HDFC Life Insurance Intrinsic Value
HDFCLIFE Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹227.44 | ₹181.95 - ₹272.93 | -70.0% | EPS: ₹8.32, Sector P/E: 12x |
| Book Value Method | asset | ₹151.63 | ₹136.47 - ₹166.79 | -80.0% | Book Value/Share: ₹75.03, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹282.81 | ₹254.53 - ₹311.09 | -62.7% | Revenue/Share: ₹353.52, P/S: 0.8x |
| Simple DCF (5Y) | dcf | ₹899.69 | ₹719.75 - ₹1079.63 | +18.7% | CF Growth: 12.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹227.44 | ₹204.70 - ₹250.18 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹227.44 | ₹204.70 - ₹250.18 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹379.07 | ₹341.16 - ₹416.98 | -50.0% | ROE: 11.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹227.44 | ₹204.70 - ₹250.18 | -70.0% | EPS: ₹8.32, BVPS: ₹75.03 |
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Valuation Comparison Chart
HDFCLIFE Intrinsic Value Analysis
What is the intrinsic value of HDFCLIFE?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of HDFC Life Insurance (HDFCLIFE) is ₹227.44 (median value). With the current market price of ₹758.15, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹151.63 to ₹899.69, indicating ₹151.63 - ₹899.69.
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%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.03 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 21.03 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 11.1% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | -8.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.22x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for HDFC Life Insurance
Additional stock information and data for HDFCLIFE
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹9,703 Cr | ₹5,227 Cr | Positive Free Cash Flow | 8/10 |