HDFCLIFE.NS HDFC Life Insurance Company Limited
INR·Price 587.45·Mkt cap 1.28TComputed from the latest reported financials and the current market price.
Who's the real player?
A genuine play on this theme — most of its business sits right here.
Is the business healthy?
Healthy business: it turns profit into real cash and earns solid returns on capital.
- Perfect cash flow quality
- Strong FCF conversion
- Positive forensic indicators
Are the smart people buying?
No ownership-change data for this stock. Conviction is judged from capex and buyback signals alone.
- High promoter/insider ownership
- Insider net buys
What is management saying?
No earnings-call transcript or filings found for this stock.
Is the price right?
Intrinsic value 2299.14 vs price 587.45 — screens cheap on a cash-flow DCF (291.4% to intrinsic). The base DCF growth of 15% is not believable given the reverse-DCF implied growth of -3.85%, suggesting over-optimism in long-term projections.
| Intrinsic / share | 2299.14 |
| Price | 587.45 |
| Upside to intrinsic | 291.4% |
| Reverse-DCF implied g | -3.9% |
Base FCF 160.73B · growth 15.0% · discount 12.0% · terminal 5.0%.
Sensitivity — intrinsic value / share
Each cell is the intrinsic value at that growth (across →) and discount rate (down ↓). Center ★ is the base case. Cells green = above price (cheap), red = below (expensive).
| Growth rate → | |||||
|---|---|---|---|---|---|
| Disc ↓ ╲ g | 11% | 13% | 15% | 17% | 19% |
| 10% | 2474.26 | 2889.46 | 3371.59 | 3930.39 | 4576.81 |
| 11% | 2030.01 | 2360.67 | 2743.87 | 3187.21 | 3699.22 |
| 12% | 1714.39 | 1985.53 | ★ 2299.14 | 2661.31 | 3078.88 |
| 13% | 1479.05 | 1706.24 | 1968.52 | 2270.86 | 2618.88 |
| 14% | 1297.13 | 1490.73 | 1713.78 | 1970.44 | 2265.39 |
Through the masters' eyes
Each investor's numeric rules, checked against this stock's metrics: exact math, no guesswork. Tap one to see which rules pass, fail, and what to judge yourself.
Financial statements (INR)
↗ sourceCash-flow lines highlighted — we trust cash over reported profit.
| Line | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | 994.04B | 968.27B | 958.23B | 702.46B | — |
| Operating income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net income | 19.12B | 18.11B | 15.74B | 13.68B | — |
| Operating cash flow | — | — | — | — | — |
| Capex | -2.87B | -3.01B | -1.36B | -875.73M | — |
| Free cash flow | 223.38B | 152.96B | 105.85B | 67.96B | — |
| Total assets | 3.91T | 3.49T | 3.03T | 2.48T | — |
| Total equity | 177.50B | 161.55B | 146.66B | 129.93B | — |
| Total debt | 30.99B | 29.50B | 9.50B | 9.50B | — |
| Cash & equivalents | 19.90B | 22.76B | 21.78B | 19.04B | — |