Canara HSBC Life Insurance Company Ltd logo

Canara HSBC Life Insurance Company Ltd

CANHLIFE NSE

Key Fundamentals

MicrocapLife InsuranceInsurance
Market Cap
₹14,142 Cr
Volatility
Moderate
P/E Ratio
107.39
EBITDA
₹161 Cr
Return on Equity
7.89%
Debt to Equity
0.16
Book Value
₹17.2
52W High
₹166.69
52W Low
₹106

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Canara HSBC Life Insurance Company Ltd insights

31 extracted metrics + investor summaries across FY20–FY26.

Log in — free

Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

2
  • Company is expected to give good quarter
  • Company has been maintaining a healthy dividend payout of 32.0%

Weaknesses

5
  • Stock is trading at 8.68 times its book value
  • The company has delivered a poor sales growth of 4.55% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 8.08% over last 3 years.
  • Earnings include an other income of Rs.85.3 Cr.

Growth Rate

Revenue Growth
7.43% ↘
Net Income Growth
8.21% ↗
Cash Flow Change
192.55% ↗
ROE
2.33% ↗
ROCE
0.00% ↗
EBITDA Margin (Avg.)
0.00% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk high

Canara HSBC Life Insurance trades at a market cap of Rs.14,000 Cr with a PE of 107x and P/B of 8.58x, reflecting premium valuations. The company has delivered 11% compounded profit growth over 3 years with an ROE of ~8%, while sales growth over 5 years remains subdued at approximately 5%.

Bull Case 7
  • 3-year compounded profit growth of 12% indicates improving earnings trajectory
  • Healthy dividend payout ratio of 32.0% demonstrates shareholder-friendly capital allocation
  • TTM sales growth of 9% shows acceleration from the 5-year CAGR of 5%
  • 3-year compounded sales growth of 11% reflects improving business momentum versus the longer-term 5% average
  • Company is expected to deliver a good upcoming quarter based on forward indicators
  • Backed by strong parentage of Canara Bank and HSBC, providing distribution reach across bank branches
  • Insurance sector in India remains underpenetrated with life insurance penetration around 3%, offering long-term structural growth runway
Bear Case 8
  • PE ratio of 107x is significantly elevated compared to listed life insurance peers, leaving limited margin of safety
  • Price-to-book of 8.58x is steep for a company generating only 8% ROE over 3 years
  • 5-year compounded sales growth of just 5% indicates historically weak top-line expansion
  • Return on equity of 8.08% over 3 years is below the cost of equity for most investors
  • Earnings include other income of Rs.85.3 Cr, raising questions about core operating profit quality
  • Dividend yield of only 0.27% provides negligible income cushion at current valuations
  • Tax rate appears low, which may not be sustainable and could compress future net profits if normalized
  • 5-year compounded profit growth of only 6% does not justify the current 107x earnings multiple

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 6h ago
Positives 3
  • Q1 net profit rises 20% Jul 20

    Net profit rose to ₹2,814 lakh for Q1FY26 driven by higher investment income. Solvency ratio improved to 198%.

  • ₹0.40 final dividend declared Jul 21

    Board recommended a final dividend of ₹0.40 per share for FY26, with 19th AGM scheduled via VC on August 20, 2026.

  • VNB margin guidance 22-23% Jul 29

    Company guided for a VNB margin of 22-23% by FY27, signaling focus on improving new business profitability and operational efficiency.

Neutral 3
  • Investor meetings in Aug Aug 5

    Canara HSBC Life will hold institutional investor meetings on August 10, 12, and 13 across Mumbai, Hong Kong, and Singapore.

  • Q4FY26 analyst meet transcript filed Jul 25

    Filed transcript of analyst meet held on July 20, 2026, discussing unaudited financial results for Q4FY26.

  • FY26 BRSR report submitted Jul 23

    Submitted Business Responsibility and Sustainability Report for FY26 to NSE and BSE detailing governance, environmental footprint, and social initiatives.

TL;DR: Canara HSBC Life is showing solid execution with 20% Q1 profit growth, healthy 198% solvency, and a clear path toward 22-23% VNB margins by FY27. No material headwinds are visible in recent news flow. Active investor engagement across Mumbai, Hong Kong, and Singapore suggests confidence in the growth story. The trend appears to be improving with profitability metrics moving in the right direction.

Quarterly Results

  Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
3,323
1,516
2,783
3,632
2,348
4,202
1,374
4,351
Expenses
3,317
1,539
2,749
3,625
2,332
4,272
1,258
4,351
Operating Profit
6
-23
34
6
16
-70
116
0
OPM %
0.2%
-1.5%
1.2%
0.2%
0.7%
-1.7%
8%
0%
Other Income
37
51
1
20
30
101
-77
32
Interest
0
0
0
0
0
0
0
0
Depreciation
0
0
0
0
0
0
0
0
PBT
43
28
35
26
45
31
39
32
Tax %
15%
-4%
8%
10%
10%
10%
10%
11%
Net Profit
37
29
32
23
41
28
35
28
EPS in Rs
0.39
0.31
0.34
0.25
0.43
0.29
0.37
0.3
Figures in ₹ Crores

Profit & Loss

  Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
3,074
9,253
8,496
8,435
11,841
10,710
11,556
12,275
Expenses
3,059
9,323
8,726
8,471
11,705
10,578
11,424
12,214
Operating Profit
15
-71
-230
-36
136
131
132
61
OPM %
0.5%
-0.8%
-2.7%
-0.4%
1.1%
1.2%
1.1%
0.5%
Other Income
104
184
256
155
11
19
29
85
Interest
6
6
0
0
0
0
0
0
Depreciation
8
13
17
19
23
22
20
0
PBT
105
95
10
100
124
128
141
146
Tax %
0%
0%
0%
9%
9%
9%
10%
—
Net Profit
105
95
10
91
113
117
127
131
EPS in Rs
1.11
1
0.11
0.96
1.19
1.23
1.33
1.39
Div. Payout %
0%
0%
278%
31%
34%
32%
30%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
950
950
950
950
950
950
950
Reserves
239
330
340
403
469
567
655
Borrowings
0
0
0
0
0
0
250
Other Liabilities
14,757
21,306
25,925
29,957
37,332
41,397
46,201
Total Liabilities
15,946
22,586
27,215
31,310
38,751
42,914
48,057
Fixed Assets
32
37
70
73
77
42
31
CWIP
4
7
4
5
2
4
6
Investments
15,374
21,871
26,266
30,179
37,357
41,166
46,118
Other Assets
536
671
875
1,053
1,314
1,702
1,901
Total Assets
15,946
22,586
27,215
31,310
38,751
42,914
48,057
Figures in ₹ Crores

Cash Flow

  Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
2,340
1,998
2,592
2,310
1,208
3,534
Investing
—
-2,236
-1,929
-2,518
-2,045
-714
-3,666
Financing
—
0
0
-28
-48
-19
212
Net Cash Flow
—
103
69
46
218
474
80
Free Cash Flow
—
2,319
1,980
2,568
2,283
1,197
3,523
CFO/OP
—
-3,306
-871
-7,284
1,708
930
2,687
Figures in ₹ Crores

Ratios

  Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
0
0
0
0
1
0
Cash Conversion Cycle
0
0
0
0
0
1
0
Working Capital Days
-4
-15
-6
-5
-3
-2
-5
ROCE %
—
8%
1%
8%
9%
9%
8%

Shareholding Pattern

As of Jun 2026
Promoters 62.00%
DIIs 29.67%
FIIs 5.43%
Public 2.24%
Others 0.67%
Total 100.01%
  Apr 2025Oct 2025Dec 2025Mar 2026Jun 2026
Promoters
77.00%
77.00%
62.00%
62.00%
62.00%
FIIs
0.00%
0.00%
4.57%
5.68%
5.43%
DIIs
0.00%
0.00%
30.85%
29.79%
29.67%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
Public
0.00%
0.00%
2.15%
2.09%
2.24%
Others
23.00%
23.00%
0.43%
0.45%
0.67%
No. of Shareholders
8
8
87,477
85,552
84,466

Documents

Frequently Asked Questions about Canara HSBC Life Insurance Company Ltd

What does Canara HSBC Life Insurance Company Ltd do?
Canara HSBC Life Insurance is an Indian life insurance company, headquartered in Gurugram. In 2008, Canara HSBC Life Insurance was a JV between Canara Bank (51%), HSBC Insurance (Asia Pacific) Holdings Limited (26%) and PNB (23%). In 2022, the company renamed itself as Canara HSBC Life Insurance...
Where is Canara HSBC Life Insurance Company Ltd (CANHLIFE) listed?
Canara HSBC Life Insurance Company Ltd is listed on the Indian stock exchanges. It is listed on NSE: CANHLIFE and BSE: 544583. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Canara HSBC Life Insurance Company Ltd belong to?
Canara HSBC Life Insurance Company Ltd operates in the Insurance sector within the Life Insurance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Canara HSBC Life Insurance Company Ltd?
Canara HSBC Life Insurance Company Ltd has a market capitalisation of approximately ₹14141.70 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Canara HSBC Life Insurance Company Ltd?
The Price-to-Earnings (PE) ratio of Canara HSBC Life Insurance Company Ltd is 107.39. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Canara HSBC Life Insurance Company Ltd?
Over the past 52 weeks, Canara HSBC Life Insurance Company Ltd has traded between a low of ₹106 and a high of ₹166.69. This range helps investors understand the stock's price volatility and recent trading levels.
Does Canara HSBC Life Insurance Company Ltd pay dividends?
Yes, Canara HSBC Life Insurance Company Ltd has a dividend yield of 0.27%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Canara HSBC Life Insurance Company Ltd?
Canara HSBC Life Insurance Company Ltd has a Return on Equity (ROE) of 7.89%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Canara HSBC Life Insurance Company Ltd on Tapetide?
On Tapetide, you can view Canara HSBC Life Insurance Company Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Canara HSBC Life Insurance is an Indian life insurance company, headquartered in Gurugram. In 2008, Canara HSBC Life Insurance was a JV between Canara Bank (51%), HSBC Insurance (Asia Pacific) Holdings Limited (26%) and PNB (23%). In 2022, the company renamed itself as Canara HSBC Life Insurance after the exit of its third partner, PNB.[1]

Website canarahsbclife.com
CEO Mr. Anuj Dayal Mathur B.Com., C.A., C.S.
Employees 7,898
Listed 2025-10-17
Face Value ₹ 10
Issued Size 95,00,00,000

Explore More

More in Insurance → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List