HDFC Life Insurance Company Ltd

NSE: HDFCLIFE LIVE

Financial Services • • ISIN: N/A

₹550.95

▼ 20.95 (-1.09%)

Data updated: Just now (NSE India Live Feed)

52W Low: ₹508.70

Today High / Low: ₹564.95 / ₹550.95

52W High: ₹796.90

Volume: 5,599,030

⚖️ Compare vs Peers

🎯 TickerPulse Confluence Engine Institutional 360°

360° Quantitative Confluence Radar HIGH CONFLUENCE BULLISH SETUP

Exceptional confluence: Institutional accumulation aligned with trend moving averages and asymmetric >2.0 R:R payoff.

Confluence Score

Top Decile Edge

Valuation & Multiples 35/100

P/E, P/B, FCF yield vs historical levels

Trend & Moving Averages 96/100

20/50 EMA structure, RSI momentum, 52W range

Institutional Sponsorship 85/100

FII & DII holdings, delivery turnover backing

Balance Sheet Solvency 97/100

Debt-to-equity ratio, Altman Z score, operating margin

Asymmetric Reward-to-Risk 85/100

Calculated 7.99:1 potential target vs swing low stop

📐 Institutional Trade Setup 1% Risk Aligned

Entry Reference

₹550.95

Structural Stop Loss

₹518.17

Max Risk: -5.95%

Technical Target 1

₹812.84

Payoff Profile

7.99 : 1.0

Reward-to-Risk

🎯 Size This Trade (1% Risk Lab) → 🎮 Paper Trade Virtual Setup →

Transparent Business & Valuation Scoring

Methodology v1.0 • Every metric is deterministic and verifiable.

How we calculate scores →

Overall Quality Score

59 / 100

Moderate

Financial Health

85 / 100

Exceptional

Profitability & Margins

56 / 100

Moderate

Growth Trajectory

40 / 100

Subdued

Valuation Attractiveness

42 / 100

Subdued

Interactive Price Performance & Trend

Live exchange closing feeds from NSE/BSE

50-Day DMA: ₹531.67

200-Day DMA: ₹493.10

14-Day RSI: 48.2 (Neutral)

Trend: Strong Bullish

Key Fundamentals & Ratios (Data as of 2026-08-30)

Market Cap ₹15,900,000.00L Cr Large_cap Category

P/E Ratio (TTM) 84.2x Sector Mean: ~28.5x

Price to Book (P/B) — Book Val: ₹0.0

Return on Equity (ROE) 11.2% Net Profit / Net Worth

ROCE — Capital Efficiency

Debt / Equity 0.02 Virtually Debt-Free

EPS (TTM) ₹0.00 Earnings Per Share

Dividend Yield 0.28% Annual Cash Payout

Operating Margin — Core Operational Spread

Annual Free Cash Flow ₹0.00 Cr Operating CF minus Capex

Algorithmic Analysis (Pros & Cons)

⚡ Computed from Balance Sheet & Valuation Metrics

✓

Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.

⚠

Key Limitations & Risks (Cons)

• Commanding an elevated valuation multiple with P/E at 84.2x.

Fundamental Health

Piotroski F-Score

5 / 9

Balance Sheet Score: Stable Financials

Positive Return on Equity (ROE) ✓ PASS

High Capital Efficiency (ROCE > 12%) ✗ FAIL

Strong Operating Spread (Margin > 15%) ✗ FAIL

Positive Free Cash Flow Generation ✓ PASS

9-Point Stanford University fundamental screening model.

Solvency & Credit Risk

Altman Z-Score

5.43

Solvency Classification: Safe Zone (Low Distress)

Firm exhibits exceptionally robust balance sheet solvency with near-zero short-term distress risk.

Safe Zone (>2.99) • Grey Zone (1.81–2.99) • Distress (<1.81)

Valuation Model

Intrinsic Fair Value

DCF + Graham

Estimated Fair Value

₹123.47

Premium / Overvalued (-77.6%)

Graham Value

₹152.23

DCF Model

₹99.93

DuPont ROE: 14.4% NPM × 0.85 Turn × 1.02x Lev

Quarterly Financial Performance (Consolidated ₹ Cr)

Past 4 Reported Quarters

Metric (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹16,635.38 Cr	₹17,350.88 Cr	₹18,245.25 Cr	₹18,960.75 Cr
Operating Profit	₹2,977.73 Cr	₹3,175.21 Cr	₹3,411.86 Cr	₹3,621.50 Cr
OPM % (Operating Margin)	17.9%	18.3%	18.7%	19.1%
Profit before Tax (PBT)	₹2,382.19 Cr	₹2,540.17 Cr	₹2,729.49 Cr	₹2,897.20 Cr
Net Profit (PAT)	₹1,786.64 Cr	₹1,905.13 Cr	₹2,047.12 Cr	₹2,172.90 Cr
Quarterly EPS (₹)	₹1.52	₹1.59	₹1.67	₹1.73

Shareholding Pattern & Institutional Ownership

Latest Disclosed Quarter

Promoters

52.40%

Foreign Institutions (FIIs)

19.80%

Domestic Institutions (DIIs)

15.60%

Retail & Public

12.20%

Technical Levels & Intraday Pivot Matrix

Institutional support, resistance, moving averages & momentum indicators

⚡ Signal: Strong Bullish RSI (14): 48.2

📈 Key Moving Averages

20 EMA (Short Term)

₹544.34

50 SMA (Medium Term)

₹531.67

100 SMA (Structural)

₹516.79

200 SMA (Long Trend)

₹493.10

🎯 52-Week Range Alignment

Distance from 52W High (₹796.90) -30.9%

Distance from 52W Low (₹508.70) +8.3%

Pivot Model	Support 3	Support 2	Support 1	Central Pivot (P)	Resistance 1	Resistance 2	Resistance 3
Classic Floor	₹532.29	₹541.62	₹546.29	₹555.62	₹560.29	₹569.62	₹574.29
Camarilla Intraday	—	L4: ₹543.25	L3: ₹547.10	₹550.95	H3: ₹554.80	H4: ₹558.65	—
Fibonacci	—	61.8%: ₹542.30	38.2%: ₹545.60	₹555.62	38.2%: ₹556.30	61.8%: ₹559.60	—

Sector Peers Comparison (Financial Services)

Peer Company	Price	Today Change	Market Cap	P/E Ratio	ROE (%)	Compare
HDFCBANK — HDFC Bank Ltd	₹731.00	▲ +0.00 (+2.53%)	₹125,400,000.00L Cr	18.2x	16.4%	Compare →
ICICIBANK — ICICI Bank Ltd	₹1,338.90	▼ 0.00 (-0.65%)	₹85,600,000.00L Cr	17.5x	18.9%	Compare →
SBIN — State Bank of India	₹996.20	▲ +0.00 (+0.76%)	₹72,500,000.00L Cr	10.4x	17.2%	Compare →
BAJFINANCE — Bajaj Finance Ltd	₹1,040.30	▲ +0.00 (+2.49%)	₹45,400,000.00L Cr	28.6x	22.4%	Compare →
AXISBANK — Axis Bank Ltd	₹1,257.00	▲ +0.00 (+1.37%)	₹36,500,000.00L Cr	12.8x	17.5%	Compare →

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