HDFC Life Insurance Fair Value

Average Fair Value
₹286.93
Current Market Price: ₹609.6
-52.93% Price Difference

HDFC Life Insurance (HDFCLIFE) average fair value is ₹286.93 across 9 valuation models — P/E Based Valuation, P/B Based Valuation, Dividend Discount Model, Price-to-Sales Valuation, Asset-Based Valuation, Earnings Growth Model (PEG), Peter Lynch Fair Value, Benjamin Graham Number, Discounted Cash Flow (DCF), vs a current market price of ₹609.6 (-52.93%), fair value range ₹10.71–₹1559.61. Examine HDFCLIFE quarterly trends for recent quarterly revenue, profit and EPS trends.

Fair Value Analysis Export

HDFCLIFE Fair Value vs Current Price — Valuation Summary

HDFCLIFE average fair value, fair value range, price gap and valuation status across 9 models: P/E Based Valuation, P/B Based Valuation, Dividend Discount Model, Price-to-Sales Valuation, Asset-Based Valuation, Earnings Growth Model (PEG), Peter Lynch Fair Value, Benjamin Graham Number, Discounted Cash Flow (DCF). For live price and a broader fundamental view, visit HDFC Life Insurance share price today.

Average Fair Value
₹286.93
Current Market Price
₹609.6
Price Difference
₹-322.67
Percentage Difference
-52.93%
Fair Value Range
₹10.71 - ₹1559.61
Methods Used
9
Analysis based on 9 valuation methods: P/E Based Valuation, P/B Based Valuation, Dividend Discount Model, Price-to-Sales Valuation, Asset-Based Valuation, Earnings Growth Model (PEG), Peter Lynch Fair Value, Benjamin Graham Number, Discounted Cash Flow (DCF)

P/E Based Valuation

Current EPS ₹2.31
Sector Avg P/E 93.32
Historical Avg P/E N/A
Average Fair Value
₹98.81

P/B Based Valuation

Book Value/Share ₹82.25
Sector Avg P/B 5.18
Historical Avg P/B N/A
Average Fair Value
₹274.73

Dividend Discount Model

Current Dividend ₹2.1
Growth Rate 7.3%
Required Return 10.0%
Fair Value
₹83.38

Price-to-Sales Valuation

Revenue/Share ₹120.65
Sector Avg P/S 3.0
Fair Value
₹361.95

Asset-Based Valuation

Book Value/Share ₹82.25
Liquidation Value/Share ₹1266.69
Fair Value
₹82.25

Earnings Growth Model (PEG)

Current EPS ₹2.31
Growth Rate 4.64%
Fair P/E Ratio 4.64
Fair Value
₹10.71

Peter Lynch Fair Value

Current EPS ₹9.15
Growth Rate 4.64%
Dividend Yield 0.34%
Lynch Factor 4.98
Fair P/E Ratio 4.98
Data Source Quarterly Data (8 years)
Fair Value (Lynch Factor Adjusted)
₹45.52

Benjamin Graham Number

Current EPS ₹2.31
Book Value/Share ₹82.25
Graham Multiplier 22.5
Current P/E 69.59
Graham Criteria 0/3
Graham Number
₹65.38

Discounted Cash Flow (DCF)

Current FCF ₹15597.0 Cr
FCF Growth Rate 12.6%
Discount Rate 10.0%
Terminal Growth 3.0%
Enterprise Value ₹341609.88 Cr
DCF Fair Value
₹1559.61

HDFCLIFE Fair Value Analysis — Data Sources & Coverage

HDFC Life Insurance financial data sources, valuation methods applied and sector benchmarks used — 2026 financial year. See HDFCLIFE price to book ratio to compare market price against book value per share.

Methods Used
9
Data Year
2026
Sector
Insurance

Available Data Sources: Financial statements, dividend history, balance sheet data , sector comparisons.

Data Currency: Financial data is from the current year (2026).

HDFCLIFE vs Insurance Sector Peers — P/E, P/B & Market Cap

HDFC Life Insurance P/E ratio, P/B ratio and market capitalisation vs Insurance sector peers — relative valuation comparison.

Company Symbol P/E Ratio P/B Ratio Market Cap (₹ Cr)
Go Digit General Insuran… GODIGIT 51.99 6.07 ₹28,262
Canara HSBC Life Insuran… CANHLIFE 105.3 8.29 ₹13,305
Niva Bupa Health Insuran… NIVABUPA 119.65 4.15 ₹15,533
ICICI Prudential Life In… ICICIPRULI 46.9 5.62 ₹75,469
LIC of India LICI 8.95 3.0 ₹540,724

Important Disclaimer

This fair value analysis is for informational and educational purposes only. The calculations are based on publicly available financial data and various valuation methodologies.

This analysis does not constitute investment advice, recommendations, or suggestions to buy, sell, or hold any securities. Past performance and financial data do not guarantee future results.

Please conduct your own research and consult with qualified financial advisors before making any investment decisions. Market conditions, company fundamentals, and other factors can significantly impact actual stock performance.