HDFC Life Insurance Company PE ratio history and valuation
NSE: HDFCLIFEBSE: 540777InsuranceLarge Cap
HDFC Life Insurance Company Limited · Formerly HDFC Standard Life Insurance Company · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Nov 2017 · Issue price ₹290
Last close ₹513.60down ₹5.40 (1.04%)BSE ₹516.10
Share price at the NSE close on 27 Oct 2026. Previous close ₹519.00.
27 Oct: open ₹518.60, high ₹521.70, low ₹512.00
52-week range of traded prices to 27 Oct 2026
₹508.70Low, 10 Sep 2026₹788.50High, 26 Nov 2025
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹1,11,584 Cr65th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 54.47
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 5.73
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 0.41%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 11.2%
- SolvencySolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company. Solvency ratio in the glossary
- 1.80times the capital required
- Gross premiumGross premium. Premium on the policies sold and renewed in the period, before the part passed on to reinsurers: a general insurer's gross premiums written, a life insurer's gross premium income. For the year to Mar 2026. For the whole group. Gross premium in the glossary
- ₹79,493 Cr
- First-year premiumFirst-year premium. Premium from the first year of new regular-premium policies, for the period. For the year to Mar 2026. For the whole group. First-year premium in the glossary
- ₹13,959 Cr
- Expense ratioExpense ratio. The costs of running the insurance business, commission included, as a percentage of premium, as the insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026. For the whole group. Expense ratio in the glossary
- 21.18%
- Persistency, 13 monthsPersistency, 13 months. The share of what was sold that is still being paid for 13 months after the sale, by premium or by number of policies, which the filing does not say, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. For the year to Mar 2026. For the whole group. Persistency, 13 months in the glossary
- 84.85%
- ConservationConservation ratio. This year's renewal premium as a percentage of last year's first-year and renewal premium, as the life insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where it is 0, or where it is outside 10% to 150%. For the year to Mar 2026. For the whole group. Conservation ratio in the glossary
- 85.50%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 29,46,94156.4% delivered
HDFC Life Insurance Company's P/E, price to book, dividend yield and earnings yield on 27 Oct 2026, each against its own history of up to 10 years. The P/E is the market cap over the profit of the twelve months to Sep 2026. The ratios use standalone accounts to Mar 2020 and consolidated from Mar 2021.
HDFC Life Insurance Company PE ratio and valuation against its own history
- Price to earnings54.47today
1 year
Median 68.28Today is at or above 0.4% of the 247 days
3 years
Median 84.84Today is at or above 0.2% of the 605 days
5 years
Median 87.28Today is at or above 0.1% of the 1,101 days
- Price to book5.73today
1 year
Median 7.35Today is at or above 1% of the 247 days
3 years
Median 9.43Today is at or above 0.5% of the 609 days
5 years
Median 9.51Today is at or above 0.3% of the 1,105 days
10 years, since Feb 2018
Median 10.90Today is at or above 0.2% of the 1,928 days
- Price to salesPrice to sales, trailing. Market cap divided by the revenue of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly): what investors pay for each rupee of a year's sales.Not used for a lender or an insurer
- EV to EBITDAEnterprise value to EBITDA. Market cap plus borrowings less cash and bank balances, divided by operating profit before depreciation (revenue less operating expenses, without other income and one-off items) over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly): what the whole business costs against the profit its operations make. Lease liabilities are not counted: the results filings do not state them.Not used for a lender or an insurer
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.0.41%today
1 year
Median 0.35%Today is at or above 100% of the 247 days
3 years
Median 0.30%Today is at or above 100% of the 740 days
5 years
Median 0.30%Today is at or above 100% of the 1,224 days
10 years, since Jan 2018
Median 0.29%Today is at or above 99% of the 2,157 days
- Earnings yieldEarnings yield. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) as a percentage of market cap, the P/E turned upside down.1.84%today
1 year
Median 1.46%Today is at or above 100% of the 247 days
3 years
Median 1.18%Today is at or above 100% of the 605 days
5 years
Median 1.15%Today is at or above 100% of the 1,101 days
Each track ranks every trading day in the window from the day the ratio was lowest to the day it was highest; the dot is today. The share under it is how many of those days the ratio was at or below today's level, so a high share means today is higher than on most days in the window. A window is shown only when the ratio is held on most of its trading days; a day after a loss-making year has no P/E. Dividend yield is in per cent. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
How each ratio is worked out, with today's figures
- Price to earnings =Market cap÷Net profit, last twelve monthsNet profit, last twelve months. Net profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly).₹2,048 Cr
- Price to book =Market cap÷Net worthNet worth. Shareholders' equity in the latest balance sheet. Net worth in the glossary₹19,467 Cr
- Market cap =Close×Shares in issueShares in issue. The shares in issue in the latest shareholding filing.2,17,25,88,981at 30 Sep 2026
- Revenue, last twelve monthsRevenue, last twelve months. Revenue from operations over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly).
- ₹1,06,830 Cr
- BorrowingsBorrowings. Total borrowings in the latest balance sheet. Borrowings in the glossary
- ₹3,099 Cr
Consolidated accounts, the twelve months to Sep 2026, ₹ crore.HDFC Life Insurance Company financials ›
HDFC Life Insurance Company valuation at each year end
On the last trading day of each March, the month the company's year ends.HDFC Life Insurance Company dividend history
| Ratio | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Market cap (₹ crore)Market capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. | 91,298 | 76,353 | 89,091 | 1,40,664 | 1,13,658 | 1,07,287 | 1,36,212 | 1,47,618 | 1,27,429 |
| Price to earnings | No full year | No full year | 66.1 | 103.9 | 99.7 | 72.5 | No recent results | 84.5 | 67.4 |
| Price to book | 20.5 | 13.4 | 13.4 | 16.9 | 12.4 | 8.4 | No recent results | 9.3 | 7.2 |
| Price to sales | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer |
| EV to EBITDA | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer | Lender or insurer |
| Dividend yield | 0.30% | 0.43% | 0.00% | 0.00% | 0.38% | 0.34% | 0.30% | 0.29% | 0.36% |
| Earnings yield | No full year | No full year | 1.5% | 1.0% | 1.0% | 1.4% | No recent results | 1.2% | 1.5% |
A ratio that does not exist on the day says why in its cell. The ratios are on standalone accounts to Mar 2020 and consolidated from Mar 2021.
HDFC Life Insurance Company market cap, since Jan 2018
The last trading day of each month.
Market cap, ₹ crore
- Market cap
Earnings per share and book value
From the close on 27 Oct 2026, with the last twelve months' results.
- P/E to growthPrice to earnings to growth. The P/E divided by how fast profit grew, the last twelve months' profit against the twelve months before as a percentage, shown only when both are positive.
- 6.65
- Earnings per shareEarnings per share, trailing. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) divided by the number of shares in issue.
- ₹9.43
- Book value per shareBook value per share. Net worth, the company's assets less everything it owes, divided by the number of shares in issue.
- ₹89.60
- Dividends, last 12 monthsDividends per share, last 12 months. Dividends per share with an ex-date in the last twelve months, restated for any split or bonus since.
- ₹2.10
- Public's market capPublic's market cap. The market value of the shares held by everyone other than the promoters, the group that set up or controls the company.
- ₹55,201 Cr
Against Insurance
13 listed companies in Insurance, each priced on its last trading day; HDFC Life Insurance Company is 3rd among them by market cap. Each median leaves out HDFC Life Insurance Company itself and takes the other companies that have the figure.
- Industry median P/EIndustry median trailing P/E. The middle trailing P/E of the listed companies in the same industry that have one, leaving out the company itself and any P/E above 200.
- 32.3Across 10 other companies
- Listed companies with this P/E or lowerP/E among all listed companies. The share of the 3,398 listed companies with a trailing P/E on 27 Oct 2026 whose P/E is at or below HDFC Life Insurance Company's.
- 83%Of 3,398 companies with a P/E
- Industry median P/BIndustry median P/B. The middle P/B of the listed companies in the same industry that have one, leaving out the company itself.
- 4.2Across 11 other companies
- Industry median dividend yieldIndustry median dividend yield. The middle dividend yield of the listed companies in the same industry that paid a dividend in the last twelve months, leaving out the company itself.
- 0.79%Across 8 other companies
| Company | |||||
|---|---|---|---|---|---|
 Life Insurance Corporation of IndiaLICI | 4,90,440 | 8.16 | 2.56 | – | 2.58% |
 SBI Life Insurance CompanySBILIFE | 1,63,856 | 61.70 | 7.98 | – | 0.17% |
| HDFC Life Insurance CompanyHDFCLIFE | 1,11,584 | 54.47 | 5.73 | – | 0.41% |
 ICICI Lombard General Insurance CompanyICICIGI | 78,749 | 30.82 | 4.38 | – | 0.89% |
 ICICI Life InsuranceICICILIFE | 59,435 | 33.78 | 4.06 | – | 0.40% |
 General Insurance Corporation of IndiaGICRE | 56,579 | 6.36 | 0.93 | – | 4.11% |
 Max Financial ServicesMFSL | 42,494 | – | 7.43 | 117.5 | 0.00% |
 Star Health and Allied Insurance CompanySTARHEALTH | 32,183 | 30.53 | 4.24 | – | 0.00% |
 The New India Assurance CompanyNIACL | 26,960 | 37.59 | 1.10 | – | 0.92% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Stakes in other listed companies
At market prices on 27 Oct 2026. The discount is not shown: 1 of the companies held has no market cap that day, so the stakes' total leaves it out.
- Its own market capIts own market cap. Closing price × shares in issue.
- ₹1,11,584 Cr
- Its stakes, at marketIts stakes, at market. Each stake's per cent × that company's market cap, added up.
- ₹22,686 Cr
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