HDFC Life Financials
| HDFCLIFE | 688.20 13.80 2.05% |
Operating Margin (0.0004) | PE Ratio 87.2243 | Profit Margin 0.0153 | Payout Ratio 0.2541 | Return On Equity 0.1158 |
HDFC | Select Account or Indicator |
Understanding current and past HDFC Life Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of HDFC Life's financial statements are interrelated, with each one affecting the others. For example, an increase in HDFC Life's assets may result in an increase in income on the income statement.
HDFC Life Stock Summary
HDFC Life competes with Gangotri Textiles, Hemisphere Properties, Kingfa Science, Rico Auto, and GACM Technologies. HDFC Life is entity of India. It is traded as Stock on NSE exchange.Specialization | Financial Services, Insurance - Life |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE795G01014 |
| Business Address | Lodha Excelus, Mumbai, |
| Sector | Insurance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.hdfclife.com |
| Phone | 91 22 6751 6666 |
You should never invest in HDFC Life without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of HDFC Stock, because this is throwing your money away. Analyzing the key information contained in HDFC Life's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
HDFC Life Key Financial Ratios
There are many critical financial ratios that HDFC Life's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that HDFC Life Insurance reports annually and quarterly.| Revenue | 1.02 T | ||||
| Gross Profit | 104.23 B | ||||
| EBITDA | 11.36 B | ||||
| Net Income | 15.74 B | ||||
| Cash And Equivalents | 8.41 M |
HDFC Life Key Balance Sheet Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Assets | 1.3T | 1.8T | 2.3T | 2.5T | 3.0T | 1.5T | |
| Other Current Liab | (20.9B) | (25.6B) | (22.0B) | (15.6B) | 78.7B | 82.6B | |
| Net Debt | (12.6B) | (6.9B) | (11.6B) | (2.2B) | (12.3B) | (12.9B) | |
| Retained Earnings | 45.6B | 59.2B | 68.4B | 70.8B | 82.4B | 86.5B | |
| Accounts Payable | 20.9B | 25.6B | 22.0B | 15.6B | 16.3B | 15.6B | |
| Cash | 12.6B | 12.9B | 17.6B | 11.7B | 21.8B | 13.8B | |
| Other Assets | 1.3T | 1.8T | 2.2T | 2.5T | (49K) | (46.6K) | |
| Other Current Assets | 102.5B | 152.9B | 184.2B | 147.5B | 15.6B | 14.8B | |
| Total Liab | 1.3T | 1.7T | 2.2T | 2.3T | 2.9T | 1.5T | |
| Total Current Assets | 6.9B | 11.0B | 13.8B | 11.7B | 15.6B | 14.8B | |
| Intangible Assets | 352.2M | 421.9M | 581.7M | 579.8M | 761.5M | 475.5M | |
| Common Stock | 20.2B | 20.2B | 21.1B | 21.5B | 21.5B | 22.4B | |
| Other Liab | 1.2T | 1.6T | 2.1T | 2.3T | 2.6T | 1.3T | |
| Net Tangible Assets | 67.7B | 86.0B | 99.4B | 129.9B | 149.4B | 156.9B | |
| Net Receivables | 2.9B | 4.7B | 7.5B | 9.9B | 15.2B | 16.0B | |
| Capital Surpluse | 4.0B | 19.7M | 65.6B | 37.2B | 42.8B | 44.9B | |
| Cash And Equivalents | 5.6M | 5.6M | 8.3M | 8.4M | 7.6M | 7.2M | |
| Short Term Debt | 20.7B | 25.3B | 21.5B | 14.9B | (1.8T) | (1.7T) | |
| Net Invested Capital | 68.1B | 92.4B | 162.1B | 139.4B | 156.2B | 113.5B | |
| Capital Stock | 20.2B | 20.2B | 21.1B | 21.5B | 21.5B | 22.9B |
HDFC Life Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Interest Expense | 170.6M | 454.5M | 920.9M | 1.1B | 1.1B | 1.2B | |
| Total Revenue | 287.1B | 717.8B | 674.4B | 702.0B | 1.0T | 1.1T | |
| Gross Profit | 287.1B | 717.8B | 674.4B | 702.0B | 1.0T | 1.1T | |
| Operating Income | 14.0B | 15.3B | 13.9B | 13.0B | (6.2B) | (5.9B) | |
| Ebit | 14.0B | 16.7B | 15.5B | 13.0B | 10.6B | 12.1B | |
| Ebitda | 14.5B | 17.3B | 16.1B | 13.8B | 11.4B | 12.6B | |
| Income Before Tax | 13.1B | 13.5B | 13.0B | 12.8B | 15.7B | 11.8B | |
| Net Income | 13.0B | 13.6B | 13.3B | 13.7B | 15.7B | 11.9B | |
| Income Tax Expense | 164.8M | (65.9M) | (241.8M) | (860.7M) | (6.0B) | (5.7B) | |
| Tax Provision | 164.8M | (65.9M) | (241.8M) | (860.7M) | (44.1M) | (46.3M) | |
| Interest Income | 72.1B | 83.1B | 102.6B | 135.3B | 166.5B | 92.5B | |
| Net Interest Income | (170.6M) | (454.5M) | (656.0M) | (1.1B) | (1.1B) | (1.1B) |
HDFC Life Key Cash Accounts
Cash flow analysis captures how much money flows into and out of HDFC Life Insurance. It measures of how well HDFC is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money HDFC Life brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money HDFC had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what HDFC Life has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (3.7B) | 14.3B | 41.2B | (12.0B) | (33.0B) | (31.3B) | |
| Free Cash Flow | 73.5B | 96.4B | 58.9B | 68.0B | 105.9B | 111.1B | |
| Depreciation | 465.0M | 506.1M | 523.8M | 439.8M | 787.5M | 481.4M | |
| Other Non Cash Items | 60.0B | 82.4B | 45.4B | 54.2B | (46.5B) | (44.1B) | |
| Capital Expenditures | 385.8M | 612.1M | 566.4M | 875.7M | 1.4B | 693.0M | |
| Net Income | 13.0B | 13.6B | 13.3B | 13.7B | 15.7B | 11.9B | |
| End Period Cash Flow | 57.8B | 72.2B | 113.4B | 108.2B | 75.3B | 64.1B | |
| Investments | (138.6B) | (171.0B) | (112.2B) | (100.9B) | (136.2B) | (143.0B) | |
| Dividends Paid | 4.0B | 0.0 | 4.5B | 4.0B | 4.8B | 3.3B | |
| Change To Netincome | 60.4B | 82.9B | 45.6B | 55.1B | 63.4B | 62.7B |
HDFC Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining HDFC Life's current stock value. Our valuation model uses many indicators to compare HDFC Life value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across HDFC Life competition to find correlations between indicators driving HDFC Life's intrinsic value. More Info.HDFC Life Insurance is one of the top stocks in return on equity category among its peers. It also is one of the top stocks in return on asset category among its peers reporting about 0.02 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for HDFC Life Insurance is roughly 44.54 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the HDFC Life's earnings, one of the primary drivers of an investment's value.HDFC Life Insurance Systematic Risk
HDFC Life's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. HDFC Life volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on HDFC Life Insurance correlated with the market. If Beta is less than 0 HDFC Life generally moves in the opposite direction as compared to the market. If HDFC Life Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one HDFC Life Insurance is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of HDFC Life is generally in the same direction as the market. If Beta > 1 HDFC Life moves generally in the same direction as, but more than the movement of the benchmark.
HDFC Life Insurance Total Assets Over Time
HDFC Life Thematic Clasifications
HDFC Life Insurance is part of several thematic ideas from Banks to Insurance Providers. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic IdeasHDFC Life November 23, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of HDFC Life help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of HDFC Life Insurance. We use our internally-developed statistical techniques to arrive at the intrinsic value of HDFC Life Insurance based on widely used predictive technical indicators. In general, we focus on analyzing HDFC Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build HDFC Life's daily price indicators and compare them against related drivers.
| Information Ratio | (0.12) | |||
| Maximum Drawdown | 6.43 | |||
| Value At Risk | (2.14) | |||
| Potential Upside | 2.25 |
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When running HDFC Life's price analysis, check to measure HDFC Life's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HDFC Life is operating at the current time. Most of HDFC Life's value examination focuses on studying past and present price action to predict the probability of HDFC Life's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HDFC Life's price. Additionally, you may evaluate how the addition of HDFC Life to your portfolios can decrease your overall portfolio volatility.
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