HDFC Life Insurance Balance Sheet Health
Financial Health criteria checks 3/6
HDFC Life Insurance has a total shareholder equity of ₹170.4B and total debt of ₹29.5B, which brings its debt-to-equity ratio to 17.3%. Its total assets and total liabilities are ₹3,665.0B and ₹3,494.6B respectively. HDFC Life Insurance's EBIT is ₹16.1B making its interest coverage ratio 13.8. It has cash and short-term investments of ₹6.4B.
Key information
17.31%
Debt to equity ratio
₹29.50b
Debt
| Interest coverage ratio | 13.8x |
| Cash | ₹6.39b |
| Equity | ₹170.43b |
| Total liabilities | ₹3.49t |
| Total assets | ₹3.67t |
Recent financial health updates
No updates
Recent updates
Shareholders May Not Be So Generous With HDFC Life Insurance Company Limited's (NSE:HDFCLIFE) CEO Compensation And Here's Why
Jul 10
HDFC Life Insurance (NSE:HDFCLIFE) Has Announced That It Will Be Increasing Its Dividend To ₹2.10
Jun 11Is Now The Time To Put HDFC Life Insurance (NSE:HDFCLIFE) On Your Watchlist?
Jun 02Investors Continue Waiting On Sidelines For HDFC Life Insurance Company Limited (NSE:HDFCLIFE)
May 11Earnings Update: HDFC Life Insurance Company Limited (NSE:HDFCLIFE) Just Reported And Analysts Are Trimming Their Forecasts
Apr 20If EPS Growth Is Important To You, HDFC Life Insurance (NSE:HDFCLIFE) Presents An Opportunity
Feb 12Earnings Not Telling The Story For HDFC Life Insurance Company Limited (NSE:HDFCLIFE)
Jan 07
Unlocking New Horizons Through Critical Innovation And Market Expansion
HDFC Life's robust growth and innovative product expansion could lead to sustainable revenue and margin improvements, capitalizing on bancassurance and product mix enhancement.HDFC Life Insurance Company Limited's (NSE:HDFCLIFE) Popularity With Investors Is Under Threat From Overpricing
Sep 06Financial Position Analysis
Short Term Liabilities: HDFCLIFE's short term assets (₹73.3B) do not cover its short term liabilities (₹77.6B).
Long Term Liabilities: HDFCLIFE's short term assets (₹73.3B) do not cover its long term liabilities (₹3,417.0B).
Debt to Equity History and Analysis
Debt Level: HDFCLIFE's net debt to equity ratio (13.6%) is considered satisfactory.
Reducing Debt: HDFCLIFE's debt to equity ratio has increased from 0% to 17.3% over the past 5 years.
Debt Coverage: HDFCLIFE's debt is well covered by operating cash flow (528.7%).
Interest Coverage: HDFCLIFE's interest payments on its debt are well covered by EBIT (13.8x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/07/19 03:08 |
| End of Day Share Price | 2025/07/18 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2025/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
HDFC Life Insurance Company Limited is covered by 53 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Supratim Datta | Ambit Capital |
| Mohit Mangal | Anand Rathi Shares and Stock Brokers Limited |
| null null | Antique Stockbroking Ltd. |