HDFC Life Insurance Intrinsic Value
HDFC Life Insurance intrinsic value. HDFC Life Insurance (HDFCLIFE) median intrinsic value is ₹158.50 from 9 valuation models (range ₹106–₹1321), vs current price ₹528.35 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Read HDFCLIFE ex-dividend dates for the complete payout history and dividend yield track record.
HDFCLIFE Valuation Methods Summary — DCF, Graham Number & P/E
HDFC Life Insurance intrinsic value across 9 models vs current price ₹528.35 — upside/downside and value range per method. Compare with HDFCLIFE fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹158.50 | ₹126.80 - ₹190.20 | -70.0% | EPS: ₹9.64, Sector P/E: 12x |
| Book Value Method | asset | ₹105.67 | ₹95.10 - ₹116.24 | -80.0% | Book Value/Share: ₹82.25, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹327.76 | ₹294.98 - ₹360.54 | -38.0% | Revenue/Share: ₹409.69, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹1320.88 | ₹1056.70 - ₹1585.06 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹158.50 | ₹142.65 - ₹174.35 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹158.50 | ₹142.65 - ₹174.35 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹264.18 | ₹237.76 - ₹290.60 | -50.0% | ROE: 11.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹158.50 | ₹142.65 - ₹174.35 | -70.0% | EPS: ₹9.64, BVPS: ₹82.25 |
| Dividend Yield Method | dividend | ₹158.50 | ₹142.65 - ₹174.35 | -70.0% | DPS: ₹2.10, Target Yield: 3.5% |
HDFCLIFE Intrinsic Value vs Market Price — All Valuation Models
HDFC Life Insurance fair value range ₹106–₹1321 vs current market price ₹528.35 across 9 valuation models. For current market price and key ratios, visit HDFC Life Insurance share price screener.
HDFCLIFE Intrinsic Value Analysis — Undervalued or Overvalued?
HDFC Life Insurance median intrinsic value ₹158.50, current price ₹528.35 — Trading Above Calculated Value by 70.0%, margin of safety -100.0%.
What is the intrinsic value of HDFCLIFE?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of HDFC Life Insurance (HDFCLIFE) is ₹158.50 (median value). With the current market price of ₹528.35, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹105.67 to ₹1320.88, indicating ₹105.67 - ₹1320.88.
Is HDFCLIFE undervalued or overvalued?
Based on our multi-method analysis, HDFC Life Insurance (HDFCLIFE) appears to be trading above calculated value by approximately 70.0%.
HDFCLIFE Financial Health — Key Ratios vs Industry Benchmarks
HDFC Life Insurance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 11.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -10.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.23x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
HDFCLIFE Cash Flow Quality — Operating & Free Cash Flow
HDFC Life Insurance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹22,625 Cr | ₹10,701 Cr | Positive Free Cash Flow | 7/10 |
| March 2025 | ₹15,597 Cr | ₹8,781 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹10,721 Cr | ₹3,910 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹6,883 Cr | ₹1,848 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹5,943 Cr | ₹5,543 Cr | Positive Free Cash Flow | 8/10 |