HDFC Life (India) Buy Hold or Sell Recommendation
| HDFCLIFE | 618.40 3.75 0.60% |
Assuming the 90 days trading horizon and your above-average risk tolerance, our recommendation regarding HDFC Life Insurance is 'Cautious Hold'. Macroaxis provides HDFC Life buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding HDFCLIFE positions.
Check out HDFC Life Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as HDFC and provide practical buy, sell, or hold advice based on investors' constraints. HDFC Life Insurance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of economic analysis.
HDFC |
Execute HDFC Life Buy or Sell Advice
The HDFC recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on HDFC Life Insurance. Macroaxis does not own or have any residual interests in HDFC Life Insurance or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute HDFC Life's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Cautious Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Analyst Consensus | Not Available | Details | |
Reporting Quality (M-Score) | Inapplicable | Details |
HDFC Life Trading Alerts and Improvement Suggestions
| HDFC Life Insurance generated a negative expected return over the last 90 days | |
| About 56.0% of the company shares are held by company insiders | |
| Latest headline from news.google.com: HDFC Life Share Price Highlights HDFC Life Stock Price History - The Economic Times |
HDFC Life Returns Distribution Density
The distribution of HDFC Life's historical returns is an attempt to chart the uncertainty of HDFC Life's future price movements. The chart of the probability distribution of HDFC Life daily returns describes the distribution of returns around its average expected value. We use HDFC Life Insurance price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of HDFC Life returns is essential to provide solid investment advice for HDFC Life.
| Mean Return | -0.13 | Value At Risk | -2.67 | Potential Upside | 2.29 | Standard Deviation | 1.55 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of HDFC Life historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
HDFC Life Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 14.3B | 41.2B | (12.0B) | (33.0B) | (29.7B) | (28.2B) | |
| Free Cash Flow | 96.4B | 58.9B | 68.0B | 105.9B | 121.7B | 127.8B | |
| Depreciation | 506.1M | 523.8M | 439.8M | 787.5M | 905.6M | 481.4M | |
| Other Non Cash Items | 82.4B | 45.4B | 54.2B | (47.3B) | (54.4B) | (51.6B) | |
| Capital Expenditures | 612.1M | 566.4M | 875.7M | 1.4B | 1.6B | 1.6B | |
| Net Income | 13.6B | 13.3B | 13.7B | 15.7B | 18.1B | 11.9B | |
| End Period Cash Flow | 72.2B | 113.4B | 108.2B | 75.3B | 86.5B | 64.1B | |
| Investments | (171.0B) | (112.2B) | (100.9B) | (136.2B) | (122.6B) | (128.7B) | |
| Change To Netincome | 60.4B | 82.9B | 45.6B | 55.1B | 63.4B | 62.7B |
HDFC Life Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to HDFC Life or Insurance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that HDFC Life's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a HDFC stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.14 | |
β | Beta against Dow Jones | 0.20 | |
σ | Overall volatility | 1.53 | |
Ir | Information ratio | -0.09 |
HDFC Life Volatility Alert
HDFC Life Insurance exhibits very low volatility with skewness of 2.06 and kurtosis of 10.83. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure HDFC Life's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact HDFC Life's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.HDFC Life Fundamentals Vs Peers
Comparing HDFC Life's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze HDFC Life's direct or indirect competition across all of the common fundamentals between HDFC Life and the related equities. This way, we can detect undervalued stocks with similar characteristics as HDFC Life or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of HDFC Life's fundamental indicators could also be used in its relative valuation, which is a method of valuing HDFC Life by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare HDFC Life to competition |
| Fundamentals | HDFC Life | Peer Average |
| Return On Equity | 0.12 | -0.31 |
| Return On Asset | 0.0026 | -0.14 |
| Profit Margin | 0.02 % | (1.27) % |
| Operating Margin | 0.02 % | (5.51) % |
| Current Valuation | 1.35 T | 16.62 B |
| Shares Outstanding | 2.15 B | 571.82 M |
| Shares Owned By Insiders | 56.21 % | 10.09 % |
| Shares Owned By Institutions | 26.90 % | 39.21 % |
| Price To Book | 8.47 X | 9.51 X |
| Price To Sales | 1.32 X | 11.42 X |
| Revenue | 1.02 T | 9.43 B |
| Gross Profit | 81.67 B | 27.38 B |
| EBITDA | 11.36 B | 3.9 B |
| Net Income | 15.74 B | 570.98 M |
| Cash And Equivalents | 8.41 M | 2.7 B |
| Total Debt | 9.5 B | 5.32 B |
| Book Value Per Share | 73.53 X | 1.93 K |
| Cash Flow From Operations | 107.21 B | 971.22 M |
| Earnings Per Share | 8.09 X | 3.12 X |
| Target Price | 775.94 | |
| Number Of Employees | 32.49 K | 18.84 K |
| Beta | 0.84 | -0.15 |
| Market Capitalization | 1.34 T | 19.03 B |
| Total Asset | 3.03 T | 29.47 B |
| Retained Earnings | 82.41 B | 9.33 B |
| Annual Yield | 0 % | |
| Net Asset | 3.03 T |
HDFC Life Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as HDFC . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 37484.57 | |||
| Daily Balance Of Power | (0.29) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 621.42 | |||
| Day Typical Price | 620.42 | |||
| Price Action Indicator | (4.90) | |||
| Period Momentum Indicator | (3.75) | |||
| Relative Strength Index | 47.72 |
About HDFC Life Buy or Sell Advice
When is the right time to buy or sell HDFC Life Insurance? Buying financial instruments such as HDFC Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Other Information on Investing in HDFC Stock
HDFC Life financial ratios help investors to determine whether HDFC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in HDFC with respect to the benefits of owning HDFC Life security.