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HDFC Life Insurance Co (BOM:540777) Cyclically Adjusted PB Ratio : 14.15 (As of May. 06, 2025)


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What is HDFC Life Insurance Co Cyclically Adjusted PB Ratio?

As of today (2025-05-06), HDFC Life Insurance Co's current share price is ₹722.35. HDFC Life Insurance Co's Cyclically Adjusted Book per Share for the fiscal year that ended in Mar25 was ₹51.05. HDFC Life Insurance Co's Cyclically Adjusted PB Ratio for today is 14.15.

The historical rank and industry rank for HDFC Life Insurance Co's Cyclically Adjusted PB Ratio or its related term are showing as below:

BOM:540777' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 12.38   Med: 14.21   Max: 18.51
Current: 14.25

During the past 13 years, HDFC Life Insurance Co's highest Cyclically Adjusted PB Ratio was 18.51. The lowest was 12.38. And the median was 14.21.

BOM:540777's Cyclically Adjusted PB Ratio is ranked worse than
98.27% of 405 companies
in the Insurance industry
Industry Median: 1.21 vs BOM:540777: 14.25

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

HDFC Life Insurance Co's adjusted book value per share data of for the fiscal year that ended in Mar25 was ₹75.052. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₹51.05 for the trailing ten years ended in Mar25.

Shiller PE for Stocks: The True Measure of Stock Valuation


HDFC Life Insurance Co Cyclically Adjusted PB Ratio Historical Data

The historical data trend for HDFC Life Insurance Co's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

HDFC Life Insurance Co Cyclically Adjusted PB Ratio Chart

HDFC Life Insurance Co Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 16.52 13.17 14.27 13.43

HDFC Life Insurance Co Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.27 - - - 13.43

Competitive Comparison of HDFC Life Insurance Co's Cyclically Adjusted PB Ratio

For the Insurance - Life subindustry, HDFC Life Insurance Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


HDFC Life Insurance Co's Cyclically Adjusted PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, HDFC Life Insurance Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where HDFC Life Insurance Co's Cyclically Adjusted PB Ratio falls into.


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HDFC Life Insurance Co Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

HDFC Life Insurance Co's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=722.35/51.05
=14.15

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

HDFC Life Insurance Co's Cyclically Adjusted Book per Share for the fiscal year that ended in Mar25 is calculated as:

For example, HDFC Life Insurance Co's adjusted Book Value per Share data for the fiscal year that ended in Mar25 was:

Adj_Book=Book Value per Share/CPI of Mar25 (Change)*Current CPI (Mar25)
=75.052/157.3313*157.3313
=75.052

Current CPI (Mar25) = 157.3313.

HDFC Life Insurance Co Annual Data

Book Value per Share CPI Adj_Book
201603 15.448 102.518 23.708
201703 19.046 105.196 28.485
201803 23.538 109.786 33.732
201903 27.970 118.202 37.229
202003 33.716 124.705 42.537
202103 42.751 131.771 51.044
202203 73.924 138.822 83.780
202303 60.465 146.865 64.774
202403 68.203 153.035 70.118
202503 75.052 157.331 75.052

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


HDFC Life Insurance Co  (BOM:540777) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


HDFC Life Insurance Co Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of HDFC Life Insurance Co's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


HDFC Life Insurance Co Business Description

Traded in Other Exchanges
Address
N.M. Joshi Marg, 13th Floor, Lodha Excelus, Apollo Mills Compound, Mahalaxmi, Mumbai, MH, IND, 400 011
HDFC Life Insurance Company Limited is a long-term life insurance company. It offers individual and group insurance solutions such as Protection, Pension, Savings and Investment, and Health, along with Children's and Women's Plans. The company operates through segments namely, Participating Life (Individual & Group), Participating Pension (Individual & Group), Non-Participating Life (Individual & Group), Non-Participating Pension (Individual & Group), Non-Participating Life Group Variable, Non-Participating Pension Group Variable, Non-Participating - Annuity, Non Participating - Individual & Group Health, Unit Linked - Individual Life, Unit Linked - Individual Pension, Unit Linked - Group Life and Unit Linked - Group Pension.

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