ScoreWhy is HDFC Life Insurance Company Ltd ?
1
Company has a low Debt to Equity ratio (avg) at 0.08 times
2
Flat results in Sep 25
- NET SALES(Q) At Rs 20,650.68 cr has Fallen at -27.53%
- DPR(Y) Lowest at 24.97%
- NON-OPERATING INCOME(Q) is 33.26 % of Profit Before Tax (PBT)
3
With ROE of 11.2, it has a Fair valuation with a 9.6 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.20%, its profits have risen by 11.8% ; the PEG ratio of the company is 7.4
4
High Institutional Holdings at 39.41%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 16.20% in the last 1 year, much higher than market (BSE500) returns of 2.33%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is HDFC Life Insur. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
HDFC Life Insur.
16.04%
0.79
20.55%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.51%
EBIT Growth (5y)
3.12%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
1.25
Net Debt to Equity (avg)
0.14
Sales to Capital Employed (avg)
5.73
Tax Ratio
5.54%
Dividend Payout Ratio
24.97%
Pledged Shares
0
Institutional Holding
39.50%
ROCE (avg)
3.29%
ROE (avg)
11.47%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
82
Industry P/E
22
Price to Book Value
8.83
EV to EBIT
112.65
EV to EBITDA
112.65
EV to Capital Employed
7.85
EV to Sales
1.52
PEG Ratio
10.29
Dividend Yield
0.29%
ROCE (Latest)
6.97%
ROE (Latest)
10.74%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NET SALES(Q)
At Rs 29,427.61 cr has Grown at 70.10%
-10What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 588.41 cr
PBDIT(Q)
Lowest at Rs 270.78 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 0.92%
PBT LESS OI(Q)
Lowest at Rs 270.78 cr.
NON-OPERATING INCOME(Q)
is 39.18 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 1.94
Loading Valuation Snapshot...
Here's what is working for HDFC Life Insur.
Net Sales - Quarterly
At Rs 29,427.61 cr has Grown at 70.10%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Here's what is not working for HDFC Life Insur.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 270.78 cr has Fallen at -39.56%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 270.78 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 0.92%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 270.78 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 39.18 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 1.94
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 588.41 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income - Quarterly
Highest at Rs 174.42 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
