HDFC Life Insurance Co (NSE:HDFCLIFE) Margin of Safety % (DCF FCF Based): 53.96% (As of Jun. 30, 2026)


NSE:HDFCLIFE HDFC Life Insurance Co Ltd NSE:HDFCLIFE
75 GF Score
Price ₹583.25
GF Value ₹705.33
Valuation Modestly Undervalued
! 3 Warning Signs
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What is HDFC Life Insurance Co Margin of Safety % (DCF FCF Based)?

HDFC Life Insurance Co NSE:HDFCLIFE -0.38% 75 Margin of Safety % (DCF FCF Based) is 53.96% as of Jun. 30, 2026. GuruFocus rates NSE:HDFCLIFE with a GF Score™ of 75/100 and a GF Value™ of ₹705.33 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-30), HDFC Life Insurance Co's Predictability Rank is 3.5-Stars. HDFC Life Insurance Co's intrinsic value calculated from the Discounted FCF model is ₹92.37 and current share price is ₹583.25. Consequently,

HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 53.96%.

NSE:HDFCLIFE vs AFL, MET: Margin of Safety % (DCF FCF Based) Comparison

For the Insurance - Life subindustry, HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) falls into.


NSE:HDFCLIFE
75GF Score
HDFC Life Insurance Co Ltd NSE:HDFCLIFE
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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HDFC Life Insurance Co Margin of Safety % (DCF FCF Based) Calculation

HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(1266.93-583.25)/1266.93
=53.96 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 53.96% mean?
HDFC Life Insurance Co (NSE:HDFCLIFE) has a Margin of Safety % (DCF FCF Based) of 53.96% as of Jun. 30, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on HDFC Life Insurance Co.
Is HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) too high?
HDFC Life Insurance Co's current Margin of Safety % (DCF FCF Based) is 53.96%. Overall, HDFC Life Insurance Co has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) compare to AFL and MET?
HDFC Life Insurance Co's Margin of Safety % (DCF FCF Based) of 53.96% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for an Insurance company?
A good Margin of Safety % (DCF FCF Based) depends on the Insurance industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on HDFC Life Insurance Co. HDFC Life Insurance Co's current Margin of Safety % (DCF FCF Based) is 53.96%. 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 ₹705.33, compared to a current price of ₹583.25 — trading 17.3% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 53.96%. HDFC Life Insurance Co's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For HDFC Life Insurance Co (NSE:HDFCLIFE), the current Margin of Safety % (DCF FCF Based) is 53.96% as of Jun. 30, 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 ₹583.25 is trading 17.3% below its estimated GF Value™ of ₹705.33. GuruFocus considers HDFC Life Insurance Co to be Modestly Undervalued.

Key valuation signals for NSE:HDFCLIFE:

  • Margin of Safety % (DCF FCF Based): 53.96%
  • GF Value™: ₹705.33 vs. price of ₹583.25 (17.3% below fair value)
  • GF Score™: 75/100 with 3 warning signs

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 Business Description

Other Exchanges 540777:India
Address N.M. Joshi Marg, 13th Floor, Lodha Excelus, Apollo Mills Compound, Mahalaxmi, Mumbai, MH, IND, 400 011
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.
75GF Score

Get the complete analysis for NSE:HDFCLIFE

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹583.25
Price
₹705.33
GF Value