HDFC Life Insurance Co (NSE:HDFCLIFE) Scaled Net Operating Assets: 0.06 (As of Jun. 2026)

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NSE:HDFCLIFE HDFC Life Insurance Co Ltd NSE:HDFCLIFE
75 GF Score
Price ₹568.75
GF Value ₹714.07
Valuation Modestly Undervalued
! 3 Warning Signs
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What is HDFC Life Insurance Co Scaled Net Operating Assets?

HDFC Life Insurance Co NSE:HDFCLIFE +2.44% 75 Scaled Net Operating Assets is 0.06 as of Jun. 2026. GuruFocus rates NSE:HDFCLIFE with a GF Score™ of 75/100 and a GF Value™ of ₹714.07 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HDFC Life Insurance Co's operating assets for the quarter that ended in Jun. 2026 was ₹4,131,084 Mil. HDFC Life Insurance Co's operating liabilities for the quarter that ended in Jun. 2026 was ₹3,912,217 Mil. HDFC Life Insurance Co's Total Assets for the quarter that ended in Mar. 2026 was ₹3,905,025 Mil. Therefore, HDFC Life Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.06.

NSE:HDFCLIFE
75GF Score
HDFC Life Insurance Co Ltd NSE:HDFCLIFE
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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HDFC Life Insurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HDFC Life Insurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(3880974.8-3696539.4)/3494115.8
=0.05

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3905024.8 - 24050
=3880974.8

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3727529.4 - 30990 - 0
=3696539.4

HDFC Life Insurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(4131084.2-3912217.4)/3905024.8
=0.06

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4138827.8 - 7743.6
=4131084.2

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3943207.4 - 30990 - 0
=3912217.4

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
HDFC Life Insurance Co (NSE:HDFCLIFE) has a Scaled Net Operating Assets of 0.06 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HDFC Life Insurance Co and its competitors.
Is HDFC Life Insurance Co's Scaled Net Operating Assets too high?
HDFC Life Insurance Co's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to AFL and MET?
HDFC Life Insurance Co's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HDFC Life Insurance Co and its competitors. HDFC Life Insurance Co's current Scaled Net Operating Assets is 0.06. 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 ₹714.07, compared to a current price of ₹568.75 — trading 20.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For HDFC Life Insurance Co (NSE:HDFCLIFE), the current Scaled Net Operating Assets is 0.06 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 ₹568.75 is trading 20.4% below its estimated GF Value™ of ₹714.07. GuruFocus considers HDFC Life Insurance Co to be Modestly Undervalued.

Key valuation signals for NSE:HDFCLIFE:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: ₹714.07 vs. price of ₹568.75 (20.4% 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹568.75
Price
₹714.07
GF Value