HDFC Life (HDFCLIFE) Stock Price, Fundamentals & Analysis

HDFC Life (HDFCLIFE) is a life insurance company listed on the National Stock Exchange of India, headquartered in Mumbai and employing around 38,921 people. Incorporated in 2000 and formerly known as HDFC Standard Life Insurance Company Limited (renamed in January 2019), it operates as a subsidiary of HDFC Bank Limited. The company provides individual and group insurance solutions in India, offering protection, pension, savings, investment, annuity, and health products, along with term, life insurance, and NRI plans. It belongs to the Financial Services sector, in the Insurance – Life industry, alongside peers such as SBI Life Insurance Company (SBILIFE).

What HDFCLIFE does

HDFC Life sells life insurance and investment-linked products to individuals and groups. Its range covers protection policies, pension and annuity plans, savings and investment products, health coverage, and dedicated plans for non-resident Indians. As part of the broader Indian financial sector — which includes large institutions like State Bank of India (SBIN) and Kotak Mahindra Bank (KOTAKBANK) — its business is closely tied to household savings behaviour, regulatory policy, and long-term interest and market conditions.

Key numbers explained

• Market capitalisation of 1.15T INR means the total market value of all shares is about 1.15 trillion rupees — a measure of the company's overall size.
• The trailing P/E ratio of 58.2 (and 44.4 on expected earnings) tells you how many rupees investors pay per rupee of annual profit; higher values usually reflect expectations of future growth.
• A dividend yield of 0.4%, with 23% of earnings paid out as dividends, indicates a modest income component; the ex-dividend date is Jun 19, 2026.
• Revenue of 1.04T INR grew 14.3% year over year, showing continued top-line expansion.
• Thin profitability — a 1.9% profit margin and 2.2% operating margin — is typical for insurers, whose revenue includes policyholder funds.
• A beta of 0.5 suggests the share has historically moved less than the overall market.
• The stock trades at 531 INR, down 30.4% over the last 52 weeks, within a 508.7 – 788.5 range; the price-to-book ratio is 5.91.

What to watch

Like most life insurers, HDFC Life's results depend on new policy sales, persistency of existing policies, claims experience, and the interest-rate and equity-market environment affecting investment returns. Regulatory changes from Indian insurance authorities, competition from peers such as Bajaj Finserv (BAJAJFINSV), and broader moves in the Nifty 50 can all influence the share. The next earnings date is Oct 15, 2026 — a natural point to review reported results. You can compare it with other National Stock Exchange of India stocks or browse the full Stocks directory.