CANARA HSBC LIFE INS CO L
Momentum (61/100) does the heavy lifting; financial trend (0/100) is the drag.
ExpensiveSolvency riskCANARA HSBC LIFE INS CO L earns a Strong Sell from StocksWizard, with a blended score of 23/100. We put fair value near ₹75.35; at ₹150.7 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 106.0x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 4% below its 52-week high of ₹157.23 and 39% above the low of ₹108.33. Financial health scores 27/100, with a Piotroski F-score of 5/9. The average analyst target of ₹190.63 implies about 26% upside across 8 analysts. It clears 3 of 11 investability checks, with durability 36, valuation 0 and momentum 61 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹60.28.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-4.15% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Sell23Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 8.1%
- Pass: Low debt (D/E < 0.5): 0.16x
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -55%
- No data: Earnings growing
- Fail: Net margin ≥ 10%: 1.1%
- Fail: Current ratio > 1.5: 1.36
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter75.3%
- Institutions19.6%
- Public & other5.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Bear case
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About CANARA HSBC LIFE INS CO L
Canara HSBC Life Insurance Company Limited offers life insurance and related products in India, including term, whole life, child, disability, and accident coverage alongside ULIPs, pension plans, and investment-linked savings options for individuals and organizations. The company distributes policies through bancassurance partnerships, brokers, corporate agents, direct sales, and digital channels.
CANARA HSBC LIFE INS CO L — frequently asked questions
Is CANARA HSBC LIFE INS CO L a buy, hold or sell?
StocksWizard currently rates CANARA HSBC LIFE INS CO L (CANHLIFE) a Strong Sell, based on a blended score of 23/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is CANARA HSBC LIFE INS CO L's fair value?
Our blended DCF and relative-valuation model estimates CANARA HSBC LIFE INS CO L's fair value at about ₹75.35, versus a current price of ₹150.7 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is CANARA HSBC LIFE INS CO L financially healthy?
CANARA HSBC LIFE INS CO L scores 27/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has CANARA HSBC LIFE INS CO L's share price performed?
CANARA HSBC LIFE INS CO L is up 8% over three months, and last traded at ₹150.7. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.