HDFC Life Insurance Co (NSE:HDFCLIFE) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:HDFCLIFE HDFC Life Insurance Co Ltd NSE:HDFCLIFE
75 GF Score
Price ₹573.40
GF Value ₹713.63
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is HDFC Life Insurance Co Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

NSE:HDFCLIFE
75GF Score
HDFC Life Insurance Co Ltd NSE:HDFCLIFE
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 ₹573.40 is trading 19.7% below its estimated GF Value™ of ₹713.63. GuruFocus considers HDFC Life Insurance Co to be Modestly Undervalued.

Key valuation signals for NSE:HDFCLIFE:

  • Altman Z-Score:
  • GF Value™: ₹713.63 vs. price of ₹573.40 (19.7% 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

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹573.40
Price
₹713.63
GF Value