HDFC Life Insurance Company Limited
Financial trend (59/100) does the heavy lifting; valuation (1/100) is the drag.
ExpensiveOvervaluedStocksWizard rates HDFC Life Insurance Company Limited a Strong Sell, scoring 27/100 on our blended model. At ₹548.5 it trades above our blended DCF and relative-multiples fair value of ₹274.25, about 50% downside to that estimate — we read it as overvalued by 50%. On 60.7x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's sitting close to its 52-week low of ₹543.31. Financial health scores 40/100, with a Piotroski F-score of 2/9. The average analyst target of ₹756.03 implies about 38% upside across 35 analysts. It clears 4 of 12 investability checks, with durability 39, valuation 1 and momentum 16 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 ₹219.4.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-30.90% 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 Sell27Piotroski F-score 2/9 — 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%: 10.8%
- Pass: Low debt (D/E < 0.5): 0.16x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 15%
- Pass: Earnings growing: 12%
- Fail: Net margin ≥ 10%: 1.9%
- Fail: Current ratio > 1.5: 0.99
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: 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: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter55.6%
- Institutions27.1%
- Public & other17.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Revenue growing (15% YoY).
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About HDFC Life Insurance Company Limited
HDFC Life Insurance Company Limited provides individual and group insurance solutions in India, offering protection, pension, savings, investment, annuity, and health products alongside term, investment, life insurance, and NRI plans. The company was formerly known as HDFC Standard Life Insurance Company Limited until changing its name in January 2019.
HDFC Life Insurance Company Limited — frequently asked questions
Is HDFC Life Insurance Company Limited a buy, hold or sell?
StocksWizard currently rates HDFC Life Insurance Company Limited (HDFCLIFE) a Strong Sell, based on a blended score of 27/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is HDFC Life Insurance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates HDFC Life Insurance Company Limited's fair value at about ₹274.25, versus a current price of ₹548.5 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is HDFC Life Insurance Company Limited financially healthy?
HDFC Life Insurance Company Limited scores 40/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has HDFC Life Insurance Company Limited's share price performed?
HDFC Life Insurance Company Limited is down 7% over three months, and last traded at ₹548.5. 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.