HDFC Life Insurance (HDFCLIFE.NS)
Financials · NSE · India
Fundamentals
Valuation and ratings
HDFC Life Insurance trades at ₹567.60, which is 60% above the ₹227.08 our discounted cash flow model puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 34 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 64.1 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About HDFC Life Insurance
HDFC Life Insurance Company Limited engages in the provision of individual and group insurance solutions in India. It offers insurance and investment products, such as protection, pension, savings, investment, annuity, and health, as well as term, investment, life insurance, and NRI plans. The company was formerly known as HDFC Standard Life Insurance Company Limited changed its name to HDFC Life Insurance Company Limited in January 2019. HDFC Life Insurance Company Limited was incorporated in 2000 and is headquartered in Mumbai, India. HDFC Life Insurance Company Limited operates as a subsidiary of HDFC Bank Limited.
HDFCLIFE.NS passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is HDFC Life Insurance (HDFCLIFE.NS) undervalued?
Against our discounted cash flow estimate of ₹227.08, HDFCLIFE.NS at ₹567.60 is 60% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is HDFCLIFE.NS's P/E ratio?
HDFCLIFE.NS trades at 64.1 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.