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HDFC Life Insurance CoNSE:HDFCLIFE +2.73%76 Debt-to-EBITDA is 1.53 as of Jun. 2026, which is 159% above its 10-year median of 0.59. GuruFocus rates NSE:HDFCLIFE with a GF Score™ of 76/100 and a GF Value™ of ₹742.33 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 313 Insurance companies, HDFC Life Insurance Co ranks worse than 319488.5% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for HDFC Life Insurance Co's Debt-to-EBITDA or its related term are showing as below:
During the past 13 years, the highest Debt-to-EBITDA Ratio of HDFC Life Insurance Co was 1.39. The lowest was 0.41. And the median was 0.59.
NSE:HDFCLIFE's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.24 * Ranked among companies with meaningful Debt-to-EBITDA only.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
HDFC Life Insurance Co Debt-to-EBITDA Related Terms
HDFC Life Insurance Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for HDFC Life Insurance Co's Debt-to-EBITDA 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.
NSE:HDFCLIFE vs MET, AFL: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, HDFC Life Insurance Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, HDFC Life Insurance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where HDFC Life Insurance Co's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
HDFC Life Insurance Co (NSE:HDFCLIFE) has a Debt-to-EBITDA of 1.53 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on HDFC Life Insurance Co. This is 159% above median its historical median of 0.59. Over the past decade, HDFC Life Insurance Co's Debt-to-EBITDA has ranged from 0.41 to 1.39. According to the industry distribution chart, HDFC Life Insurance Co ranks #999999 out of 313 companies in the Insurance industry.
Is HDFC Life Insurance Co's Debt-to-EBITDA too high?
HDFC Life Insurance Co's current Debt-to-EBITDA of 1.53 is 159% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.39. The Insurance industry median Debt-to-EBITDA is 1.24. HDFC Life Insurance Co's value of 1.53 is 23.4% above this industry median. Based on the distribution chart, HDFC Life Insurance Co ranks #999999 out of 313 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HDFC Life Insurance Co has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HDFC Life Insurance Co's Debt-to-EBITDA compare to MET and AFL?
According to the Insurance industry distribution chart, HDFC Life Insurance Co ranks #999999 out of 313 companies for Debt-to-EBITDA. This places HDFC Life Insurance Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. HDFC Life Insurance Co's value of 1.53 is 23.4% above this benchmark. Historically, HDFC Life Insurance Co's own Debt-to-EBITDA has ranged from 0.41 to 1.39 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.24, HDFC Life Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDFC Life Insurance Co's current Debt-to-EBITDA of 1.53 is 23.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on HDFC Life Insurance Co. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDFC Life Insurance Co's current Debt-to-EBITDA is 1.53, which is 159% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDFC Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, HDFC Life Insurance Co (NSE:HDFCLIFE) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹742.33, compared to a current price of ₹530.20 — trading 28.6% below its estimated fair value. The current Debt-to-EBITDA is 1.53, which is 159% above median its 10-year median of 0.59 and 23.4% above the Insurance industry median of 1.24. HDFC Life Insurance Co's overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For HDFC Life Insurance Co (NSE:HDFCLIFE), the current Debt-to-EBITDA is 1.53 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is HDFC Life Insurance Co (NSE:HDFCLIFE) Overvalued in 2026?
Based on GuruFocus' analysis, HDFC Life Insurance Co stock appears to be undervalued.
The current stock price of ₹530.20 is trading 28.6% below its estimated GF Value™ of ₹742.33.
GuruFocus considers HDFC Life Insurance Co to be Modestly Undervalued.
Key valuation signals for NSE:HDFCLIFE:
Debt-to-EBITDA: 1.53 (159% above median its 10-year median of 0.59)
GF Value™: ₹742.33 vs. price of ₹530.20 (28.6% below fair value)
Industry Position: 23.4% above the Insurance median (#999999 of 313)
No single metric tells the full story. See the NSE:HDFCLIFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HDFC Life Insurance Co Ltd 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.
76GF Score
Get the complete analysis for NSE:HDFCLIFE
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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