Insurance · NSE: HDFCLIFE
Intrynsic's multi-model valuation estimates HDFC Life Insurance Company Limited's fair value at ₹310 per share (range ₹65–₹310) against a market price of ₹524 - a gap of -40.8% (updated 29 September 2026). This is an estimated fair value based on stated assumptions, not investment advice.
Market price
₹524
close of 29 Sept 2026
Est. fair value
₹310
₹65–₹310
Gap
-40.8%
price vs estimate
Trading ~41% above our estimated fair-value range. Assumptions and per-model workings are below.
HDFC Life Insurance is one of India's largest private life insurers, offering protection, savings and annuity products through banks, agents and online channels. Premium growth and the margin on new policies drive its value.
Insurance · Insurance
Over the last 3 years, revenue grew 12.3%/yr and profit grew 11.8%/yr.
Every ₹100 of shareholder money earned ₹10.8 in profit last year, vs a sector median of 9.9%.
Borrowing is core to a lender's business model — judge it on profitability and consistency instead.
The market price is above our estimated fair-value range (based on stated assumptions).
Returns on equity varied by about 1.0 percentage points over the last 5 years — steady.
Intrynsic values HDFC Life Insurance Company Limited with 3 independent models and blends them into one estimated fair-value range. Every number below is an estimate based on the stated assumptions - change the assumptions and the estimate changes.
| Model | Estimated value | vs price | Weight |
|---|---|---|---|
| P/B + Excess ReturnBank Net Worth Method | ₹65 | -88% | - |
| DDMDividend Discount Method | ₹23 | -96% | - |
| SOTPSum of Parts Method | ₹310 | -41% | - |
Reverse DCF: today's market price implies the company must grow free cash flow about 2.5% a year for the next decade - versus 10.3% historical revenue growth.
| Revenue | ₹99,432 Cr | |
| Net profit | ₹1,912 Cr | |
| EPS | ₹8.86 | |
| Free cash flow | ₹22,338 Cr | |
| ROE (latest) | 10.8% | |
| Revenue growth (CAGR) | 14.0% | |
| Profit growth (CAGR) | 8.9% |
Intrynsic's multi-model valuation estimates HDFC Life Insurance Company Limited's fair value at ₹310 per share (range ₹65–₹310), last updated 29 September 2026. This is an estimate based on stated assumptions, not investment advice.
HDFC Life Insurance Company Limited trades at ₹524 against Intrynsic's estimated fair value of ₹310 - the market price is 41% above the estimate, i.e. above our estimated fair-value range. Different assumptions produce different estimates; see the model breakdown above.
HDFC Life Insurance Company Limited trades at about 59.1 times its latest annual earnings per share.
HDFC Life Insurance is one of India's largest private life insurers, offering protection, savings and annuity products through banks, agents and online channels. Premium growth and the margin on new policies drive its value.
Intrynsic runs 3 valuation models for HDFC Life Insurance Company Limited (P/B + Excess Return, DDM, SOTP) and blends them into one estimated fair-value range. Every assumption - growth, discount rate, terminal value - is shown openly on this page.
Disclaimer: Intrynsic provides educational and informational analysis only. Fair-value figures are estimates based on stated assumptions - they are not investment advice, research recommendations, or an offer to transact in any security. Intrynsic is not a SEBI-registered investment adviser or research analyst. Markets carry risk; please do your own research or consult a registered adviser before making investment decisions. Prices shown may be delayed end-of-day values. Terms · Privacy