HDFCLIFE
HDFC Life Insurance
Each stock's 10,000-path forecast, rendered as light.
HDFC Life Insurance (HDFCLIFE) Stock Analysis & Case Study
Is HDFCLIFE a good buy? The data-driven verdict.
HDFC Life Insurance (HDFCLIFE) trades at ₹597,on the numbers it tread carefully, a Downstox Snapshot Score of 36/100.
On the numbers, HDFC Life Insurance (HDFCLIFE) tread carefully, a Downstox Snapshot Score of 36/100, weighing expensive at 67.8× earnings, ROE of 11.3%, a 47% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
HDFCLIFE fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is HDFCLIFE overvalued? HDFCLIFE P/E vs its Insurance
HDFCLIFE's P/E of 67.8× sits above the Insurance peer median of 19.5×, so on earnings it screens richer than peers, while its 0.35% dividend yield is below the peer median of 1.05%.
HDFCLIFE share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of HDFCLIFE history (1%/yr drift, 23%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| HDFCLIFE 2027 | ₹434 | ₹582 | ₹782 | -2% |
| HDFCLIFE 2028 | ₹379 | ₹573 | ₹871 | -3% |
| HDFCLIFE 2029 | ₹338 | ₹564 | ₹946 | -5% |
| HDFCLIFE 2030 | ₹312 | ₹557 | ₹1,010 | -6% |
| HDFCLIFE 2031 | ₹284 | ₹546 | ₹1,058 | -8% |
Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability HDFCLIFE goes up, or doubles?
The bull case for HDFCLIFE
- Relatively low volatility (23%/yr), a steadier ride than the typical mid/small-cap.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹946.
The bear case & risks
- A rich 67.8× P/E leaves a thin margin of safety if growth slows.
- Return on equity is a soft 11.3%, capital efficiency trails higher-quality peers.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹338.
HDFCLIFE volatility & expected range, how bumpy is the ride?
Over the last 2.0 years HDFCLIFE compounded at 1%/year with annualized volatility of 23%. That volatility implies a 1-year 80% range of ₹434–₹782, the honest backbone behind any single price target.
HDFCLIFE price forecast, the full 60-month probability fan
HDFCLIFE price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds HDFCLIFE hits common targets within the simulated horizon?
Full multi-horizon detail on the HDFCLIFE price target & forecast page.
HDFCLIFE Piotroski F-Score: 4/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. HDFCLIFE scores 4/9,mixed financial health.
HDFCLIFE MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy HDFCLIFE with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 26.7% | 3.7× |
| Zerodha | 22.8% | 4.4× |
| DhanCHEAPEST | 22.0% | 4.5× |
Compare every broker on the HDFCLIFE MTF page.
HDFCLIFE vs peers,Insurance comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| HDFCLIFE (this stock) | 67.8× | 0.35% | ₹1.30L Cr |
| ICICIPRULI | 45.7× | 0.33% | ₹73,464 Cr |
| LICI | 9.7× | 2.26% | ₹5.60L Cr |
| RELIANCE | 23.1× | 0.45% | ₹17.95L Cr |
| TCS | 14.7× | 3.01% | ₹7.69L Cr |
| HDFCBANK | 15.9× | 1.65% | ₹12.11L Cr |
About HDFC Life Insurance: sector, index & market-cap context
HDFC Life Insurance (HDFCLIFE) is a large-cap NSE-listed company in the Insurance sector, and a constituent of the Nifty 50 index group, with a market capitalisation of ₹1.30L Cr. See more Nifty 50 stocks.
How the HDFCLIFE Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of HDFC Life Insurance's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
HDFCLIFE analysis, FAQs
Is HDFC Life Insurance (HDFCLIFE) a good buy?
On the numbers, HDFC Life Insurance (HDFCLIFE) tread carefully, a Downstox Snapshot Score of 36/100, weighing expensive at 67.8× earnings, ROE of 11.3%, a 47% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is HDFCLIFE overvalued or undervalued?
HDFCLIFE trades at 67.8× earnings versus a peer median of 19.5×, so it screens richer than its Insurance peers.
What is the HDFCLIFE share price target for 2031?
HDFCLIFE's probability-weighted 2031 median target is ₹546, with an 80% range of ₹284–₹1,058 (10,000-path Monte-Carlo).
What is the probability HDFCLIFE doubles in 5 years?
The modelled probability of HDFCLIFE reaching ₹1,184 (2×) within 5 years is 7%.
What is the bull case for HDFCLIFE?
Relatively low volatility (23%/yr), a steadier ride than the typical mid/small-cap.
What are the risks in HDFCLIFE?
A rich 67.8× P/E leaves a thin margin of safety if growth slows. Return on equity is a soft 11.3%, capital efficiency trails higher-quality peers.