💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
HDFC Life Insurance Company Ltd is an India-based life insurance company. The Company provides a range of individual and group insurance solutions across India. The portfolio comprises of various insurance and investment products such as protection, pension, savings,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, trading cheap versus its own history.
HDFC Life Insurance is scored on the insurance framework. It keeps a thin 2.5% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -12%/yr and profit at -3%/yr. Return on equity is a modest 10.5%. In the latest quarter profit grew 15% versus the prior quarter.
At 67× earnings, the stock sits at the 8th percentile of its own 4.6-year range — the cheap end of where it has historically traded. Today's price already implies ~24%/yr earnings growth sustained for a decade — a demanding bar. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 59.92 | 29.02 | worse |
| P/B | 6.31 | 4.1 | worse |
| EV/EBITDA | 53.86 | 26.98 | worse |
| ROE | 10.52 | 12.34 | worse |
| ROCE | 0.54 | — | — |
| ROA | 0.48 | 1.8 | worse |
| Quick Ratio | 1.03 | 1.14 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| LIC | 8.0 | 2.6 | 32.7% |
| SBI Life Insurance | 67.6 | 8.7 | 12.9% |
| Icici Lombard General Insurance | 32.0 | 4.3 | 13.6% |
Not applicable for this sector.
Revenue declined 32% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window. Growth is decelerating — latest year grew slower than the year before.
Profit is growing faster than revenue (-3% vs -12%) — margin expansion is at work.
Operating margin has expanded from 0% to 2% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. EPS outpaced profit growth — possible buybacks are concentrating earnings into fewer shares. 15% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Cash conversion at 45.5× PAT — earnings are well-backed by cash; strong accrual quality. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 22% sequentially — momentum is building. Wide quarterly swings (42% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate stepping up — recent quarters average 17% above earlier ones.
Profit jumped 15% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 4.6y median.
Promoter holding at 50.5% — majority control intact. FIIs trimmed 5.5pp — foreign money is rotating out. MF holding up 4.1pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.