HDFC Life Insurance Intrinsic Value
HDFC Life Insurance (HDFCLIFE) median intrinsic value is ₹182.88 from 9 valuation models (range ₹122–₹898), vs current price ₹609.60 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Browse HDFCLIFE income statement for revenue, profit, balance sheet and cash flow data.
HDFCLIFE Valuation Methods Summary — DCF, Graham Number & P/E
HDFC Life Insurance intrinsic value across 9 models vs current price ₹609.60 — upside/downside and value range per method. For current market price and key ratios, visit HDFC Life Insurance share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹182.88 | ₹146.30 - ₹219.46 | -70.0% | EPS: ₹9.24, Sector P/E: 12x |
| Book Value Method | asset | ₹121.92 | ₹109.73 - ₹134.11 | -80.0% | Book Value/Share: ₹82.25, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹391.87 | ₹352.68 - ₹431.06 | -35.7% | Revenue/Share: ₹489.84, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹739.02 | ₹665.12 - ₹812.92 | +21.2% | EBITDA: ₹26580.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹897.61 | ₹718.09 - ₹1077.13 | +47.2% | CF Growth: 12.6%, Discount: 15% |
| PEG Ratio Method | growth | ₹182.88 | ₹164.59 - ₹201.17 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹182.88 | ₹164.59 - ₹201.17 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹304.80 | ₹274.32 - ₹335.28 | -50.0% | ROE: 11.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹182.88 | ₹164.59 - ₹201.17 | -70.0% | EPS: ₹9.24, BVPS: ₹82.25 |
HDFCLIFE Intrinsic Value vs Market Price — All Valuation Models
HDFC Life Insurance fair value range ₹122–₹898 vs current market price ₹609.60 across 9 valuation models. Also explore HDFCLIFE share price charts to track price trends across different timeframes.
HDFCLIFE Intrinsic Value Analysis — Undervalued or Overvalued?
HDFC Life Insurance median intrinsic value ₹182.88, current price ₹609.60 — 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 ₹182.88 (median value). With the current market price of ₹609.60, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹121.92 to ₹897.61, indicating ₹121.92 - ₹897.61.
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 |
|---|---|---|---|---|
| Current Ratio | 0.03 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 11.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 24.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.27x | 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 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 |