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HDFC Life Insurance Company Limited (HDFCLIFE) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

HDFC Life Insurance Company Limited

HDFCLIFEMarket cap $12BPrice $5.6

Country🇮🇳India

SectorFinancials

IndustryInsurance

Sells life insurance, pensions, and investment-linked policies to millions of Indians through banks, agents, and digital channels. Backed by HDFC Bank's massive customer base, it's one of India's top private insurers in a country where most people remain uninsured.

In Bastion Portfolios?

52W Return-34%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%6

Revenue Forecast

Rev CAGR (1y)+13%7

Rev CAGR (3y)+19%9

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+13%7

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin2%2

Net Income Margin2%2

Free Cash Flow Margin21%8

Debt

Net Debt/EBITDA1.16

Efficiency

ROE11%5

ROA1%2

Earnings Stability55

GEAR+AVERAGE46

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)501

P/E Ratio (Forward 3y)421

P/BV6.13

EV Multiples

EV/EBITDA Fwd191

EV/EBIT Fwd441

Yield

Free Cash Flow Yield0.0%2

Dividend Yield0.4%1

Momentum

Short term

1 month return+1%8

3 month return-6%5

YTD return-28%2

Mid term

Price vs 52wHigh69%3

1 year return-28%2

Long term

3 year return-13%2

5 year return-24%2

Risk Shield

Price Risk

Beta0.58

Volatility25%8

Free Cash Flow

Free Cash Flow Margin21%8

Free Cash Flow Yield0.0%2

Quality

ROCE1%2

Earnings Stability55

Net Debt/EBITDA1.16

02Growth

Is it actually growing, and how fast?

HDFCLIFEHDFC Life Insurance Company

Revenue FY26$10.7B

GROWTH RATING↗

STRONG79 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+19%9

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+12%7

EPS growth, FY28E+13%7

EPS growth, FY29E+11%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 79% of companies worldwide.

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 7%/yr over the last 3 years and is set to grow 19%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 12%/yr vs revenue 19%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

HDFCLIFEHDFC Life Insurance Company

Total return Current−17.7%

Price return Current−19.4%

MOMENTUM RATING↗

WEAK20 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return-6%5

YTD return-28%2

MID & LONG-TERM▾SCORE

% of 52-week high69%3

1-year return-28%2

3-year return-13%2

5-year return-24%2

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+1%).

WATCH

Returns sit at the market level over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-13% over three years and -24% over five), behind 80% of the market.

It's down 28% over the past year, now 31% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-28%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on HDFC Life. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

HDFCLIFEHDFC Life Insurance Company

Revenue FY26$10.7B

GROWTH RATING↗

STRONG79 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+19%9

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+12%7

EPS growth, FY28E+13%7

EPS growth, FY29E+11%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 79% of companies worldwide.

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 7%/yr over the last 3 years and is set to grow 19%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 12%/yr vs revenue 19%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

HDFCLIFEHDFC Life Insurance Company

Total return Current−17.7%

Price return Current−19.4%

MOMENTUM RATING↗

WEAK20 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+1%8

3-month return-6%5

YTD return-28%2

MID & LONG-TERM▾SCORE

% of 52-week high69%3

1-year return-28%2

3-year return-13%2

5-year return-24%2

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+1%).

WATCH

Returns sit at the market level over three months (-6%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-13% over three years and -24% over five), behind 80% of the market.

It's down 28% over the past year, now 31% below its 52-week high. That is lagging the market.

The stock is underperforming so far this year (-28%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on HDFC Life. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community