Skip to content
Canara HSBC Life Insurance Company logo

Canara HSBC Life Insurance Company

CANHLIFE NSE
₹122.89 No trade today
P/E
87.16
View as Markdown
MCP
Close 4 Nov 2026 ₹122.89 +1.38 +1.14% 1Y
Start ₹121.51

Key Fundamentals

MicrocapInsuranceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

ROCE
8.35%
Debt to Equity
0.15
EPS (TTM)
₹1.41
Book Value
₹17.25
Market Cap
—
P/E (TTM)
87.16
P/B
7.12
ROE
8.11%
Dividend Yield
0.33%
EBITDA
₹161 Cr
52W High
₹166.69
52W Low
₹115.53
Volume
0

Peer Comparison

Financial Services › Insurance › Life Insurance

Canara HSBC Life Insurance Company peer comparison
LIC of India
₹408.008.59₹5,11,882 Cr2.912.53%37.80%35.10%₹9,94,088 Cr₹60,055 Cr
SBI Life Insurance
₹1,710.2064.61₹1,69,937 Cr8.360.16%13.70%15.00%₹1,21,160 Cr₹2,656 Cr
HDFC Life Insurance
₹532.5056.29₹1,15,614 Cr5.940.40%11.30%10.30%₹1,07,513 Cr₹2,048 Cr
Max Financial Services
₹1,244.30390.06₹41,931 Cr7.510.00%1.52%2.87%₹49,822 Cr₹137 Cr
Canara HSBC Life Insurance Company (this company)
₹122.8987.16₹11,515 Cr7.120.33%8.11%8.35%₹12,482 Cr₹134 Cr
Median 5 companies₹532.5064.61₹1,15,614 Cr7.120.33%11.30%10.30%₹1,07,513 Cr₹2,048 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company. 1 company is not shown because they are not listed on an exchange we cover.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

36 Poor

Data confidence 97/100

Category scores

Quality
42
Weak
Returns, margins, earnings quality 22% weight
Valuation
32
Poor
Cheap vs sector & own history 24% weight
Growth
69
Strong
Sales & profit trajectory 9% weight
Financial Health
3
Poor
Solvency, leverage, coverage 9% weight
Momentum
10
Poor
Trend strength, vol-adjusted 12% weight
Ownership
52
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company is expected to give good quarter
  • Company has been maintaining a healthy dividend payout of 32.0%

Weaknesses

5
  • Stock is trading at 7.23 times its book value
  • The company has delivered a poor sales growth of 4.55% over past five years.
  • Tax rate seems low
  • Company has a low return on equity of 8.08% over last 3 years.
  • Earnings include an other income of Rs.45.8 Cr.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1324
OscillatorsBullish324
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
28.55
Bullish
MACD (12,26,9)
−6.47
Bearish
SMA (50)
142.95
Bearish
SMA (200)
144.05
Bearish

As of

Analyst Rating

Based on 9 analysts
BUY100%

9 of 9 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
9
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
5Y+4.55%
3Y+11.06%
1Y+7.90%
TTM+21.43%

Net profit

Net profit growth by window
5Y+5.98%
3Y+11.75%
1Y+8.55%
TTM+7.20%

Operating cash flow

Operating cash flow growth by window
5Y+8.60%
3Y+10.89%
1Y+192.55%
TTM—

TTM: Reported once a year, so there is no trailing-twelve-month figure.

Operating margin· change in pp

Operating margin growth by window
5Y+1.91 pp
3Y+1.57 pp
1Y−0.08 pp
TTM+0.51 pp

Revenue by year

Revenue by year, ₹ crore
Mar 2020₹3,074 Cr
Mar 2021₹9,253 Cr
Mar 2022₹8,496 Cr
Mar 2023₹8,435 Cr
Mar 2024₹11,841 Cr
Mar 2025₹10,710 Cr
Mar 2026₹11,556 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2020₹105 Cr
Mar 2021₹95.00 Cr
Mar 2022₹10.00 Cr
Mar 2023₹91.00 Cr
Mar 2024₹113 Cr
Mar 2025₹117 Cr
Mar 2026₹127 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹1.80 +35.3% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 1 Oct 2026
AI opinion · based on fundamentals
Risk high

As of the 2026-10-01 close, Canara HSBC Life Insurance traded at Rs 143.85, giving a market capitalisation of Rs 13,665.75 Cr. That price is about 13.7% below its 52-week high of Rs 166.69 and about 35.7% above its 52-week low of Rs 106. Revenue has compounded at 11% over 3 years and 9% TTM, and profit at 12% over 3 years and 8% TTM. Against that, the stock trades at a TTM P/E of 103.49 and a P/B of 8.36, while ROE is 7.89% and other income of Rs 85.3 Cr makes up a large share of reported earnings.

Bull Case 7
  • Growth has picked up recently. Revenue compounded at 11% over 3 years versus 5% over 5 years, and profit compounded at 12% over 3 years versus 6% over 5 years, so the last few years have been stronger than the longer history.
  • Leverage is low, with a debt-to-equity ratio of 0.16. That leaves a capital cushion for a regulated life insurer and limits interest-cost risk on the balance sheet.
  • The company has kept a dividend payout ratio of 32.0% while still growing 3-year profit at 12%. That points to some cash generation alongside reinvestment for growth.
  • ROE has been fairly steady: 7% over 5 years, 8% over 3 years and 8% last year (7.89% currently). That suggests stable, if modest, profitability without sharp swings.
  • Growth is still positive on a TTM basis, with revenue up 9% and profit up 8%. The company is also expected to report a good quarter, which could support the earnings trend.
  • The stock trades 35.7% above its 52-week low of Rs 106, which shows sustained market demand over the past year. It is also 13.7% below its 52-week high of Rs 166.69, a narrower gap than at the peak.
  • India's life insurance market is under-penetrated, and the company's bancassurance links to its bank promoters give it a large distribution base. A market cap of Rs 13,665.75 Cr reflects expectations of long-run premium growth beyond the 11% 3-year sales CAGR.
Bear Case 8
  • Valuation is demanding, with a TTM P/E of 103.49 on EPS of Rs 1.39. Compared with TTM profit growth of 8%, this implies a PEG ratio of about 13, which prices in a strong acceleration in earnings.
  • The stock trades at 8.36 times book value while generating an ROE of only 7.89%. A high price-to-book multiple combined with single-digit ROE leaves little room for error if returns do not improve.
  • Earnings quality is a concern. Other income of Rs 85.3 Cr compares with an implied TTM net profit of about Rs 132 Cr (EPS of Rs 1.39 on about 95 crore shares), so roughly 65% of profit comes from non-core income.
  • Long-term growth has been weak, with 5-year revenue growth at a CAGR of only 4.55% to 5% and 5-year profit growth at 6%. The recent 3-year pickup has not yet held up over a full cycle.
  • Return ratios are low. ROE has averaged 8.08% over 3 years and 7% over 5 years, and the reported ROCE is 0.31%. Both are below typical cost-of-equity estimates for Indian equities.
  • The tax rate looks low. If it normalises, reported profit and the Rs 1.39 EPS could shrink, which would raise the already high P/E of 103.49 further.
  • Shareholders get little cash return at this price: the dividend yield is 0.27% despite a 32.0% payout ratio, so total return depends almost entirely on price appreciation.
  • Growth is slowing. TTM revenue growth of 9% and profit growth of 8% are both below the 3-year CAGRs of 11% and 12%, which works against the expectations built into a P/E above 100.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

27d ago

TL;DR: Recent news flow for Canara HSBC Life is thin and has no clear positive catalysts. Only routine governance items and an upcoming earnings call were reported. The main risk is the ₹1 crore IRDAI penalty for policy misselling. The amount is small, but it raises questions about sales practices through bancassurance channels. Whether the trend improves or worsens will depend on the H1FY27 results and management commentary on October 9, 2026, especially on growth, margins and steps to fix compliance.

Headwinds 1
  • IRDAI ₹1 crore misselling penalty Sep 10

    IRDAI fined Canara HSBC Life ₹1 crore for policy misselling, citing breaches of policyholder interest regulations. The amount is small, but it points to weak points in distribution conduct and compliance, and could invite closer regulatory scrutiny.

Neutral 2
  • H1FY27 earnings call on Oct 9 Oct 6

    The company will hold a conference call on October 9, 2026, to discuss unaudited results for the quarter and half-year ended September 30, 2026. Updates on VNB margins, APE growth and persistency will be the main triggers.

  • Two independent directors reappointed Sep 9

    On September 9, 2026, the board reappointed Dr Kishore Kumar Sansi and Mr Supratim Bandyopadhyay as independent directors for three-year terms, subject to shareholder approval. This keeps board governance continuous.

Quarterly Results

₹ Cr
CANHLIFE quarterly results, ₹ crore
Particulars Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Sales
3,323
1,516
2,783
3,632
2,348
4,202
1,374
4,351
2,555
Expenses
3,317
1,539
2,749
3,625
2,332
4,272
1,258
4,351
2,497
Operating Profit
6
−23
34
6
16
−70
116
0
58
OPM %
0.2%
−1.5%
1.2%
0.2%
0.7%
−1.7%
8%
0%
2.3%
Other Income
37
51
1
20
30
101
−77
32
−10
Interest
0
0
0
0
0
0
0
0
0
Depreciation
0
0
0
0
0
0
0
0
0
PBT
43
28
35
26
45
31
39
32
48
Tax %
15%
−4%
8%
10%
10%
10%
10%
11%
11%
Net Profit
37
29
32
23
41
28
35
28
43
EPS (₹)
0.39
0.31
0.34
0.25
0.43
0.29
0.37
0.3
0.45

Profit & Loss

₹ Cr
CANHLIFE profit and loss, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
3,074
9,253
8,496
8,435
11,841
10,710
11,556
12,482
Expenses
3,059
9,323
8,726
8,471
11,705
10,578
11,424
12,379
Operating Profit
15
−71
−230
−36
136
131
132
103
OPM %
0.5%
−0.8%
−2.7%
−0.4%
1.1%
1.2%
1.1%
0.8%
Other Income
104
184
256
155
11
19
29
46
Interest
6
6
0
0
0
0
0
0
Depreciation
8
13
17
19
23
22
20
0
PBT
105
95
10
100
124
128
141
149
Tax %
0%
0%
0%
9%
9%
9%
10%
—
Net Profit
105
95
10
91
113
117
127
134
EPS (₹)
1.11
1
0.11
0.96
1.19
1.23
1.33
1.41
Div. Payout %
0%
0%
278%
31%
34%
32%
30%
—

Balance Sheet

₹ Cr
CANHLIFE balance sheet, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital
950
950
950
950
950
950
950
950
Reserves
239
330
340
403
469
567
655
689
Borrowings
0
0
0
0
0
0
250
250
Other Liabilities
14,757
21,306
25,925
29,957
37,332
41,397
46,201
49,956
Total Liabilities
15,946
22,586
27,215
31,310
38,751
42,914
48,057
51,845
Fixed Assets
32
37
70
73
77
42
31
34
CWIP
4
7
4
5
2
4
6
0
Investments
15,374
21,871
26,266
30,179
37,357
41,166
46,118
50,200
Other Assets
536
671
875
1,053
1,314
1,702
1,901
1,611
Total Assets
15,946
22,586
27,215
31,310
38,751
42,914
48,057
51,845

Cash Flow

₹ Cr
CANHLIFE cash flow, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
2,340
1,998
2,592
2,310
1,208
3,534
Investing
—
−2,236
−1,929
−2,518
−2,045
−714
−3,666
Financing
—
0
0
−28
−48
−19
212
Net Cash Flow
—
103
69
46
218
474
80
Free Cash Flow
—
2,319
1,980
2,568
2,283
1,197
3,523
CFO/EBITDA
—
−3,306
−871
−7,284
1,708
930
2,687

Ratios

CANHLIFE financial ratios, annual
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
0
0
0
0
1
0
Cash Conversion Cycle
0
0
0
0
0
1
0
Working Capital Days
−4
−15
−6
−5
−3
−2
−5
ROCE %
—
8%
1%
8%
9%
9%
8%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Canara HSBC Life Insurance Company insights

33 extracted metrics across FY20–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 62.00%
  • DIIs 30.16%
  • FIIs 4.92%
  • Public 2.23%
  • Others 0.69%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Canara HSBC Life Insurance Company

What does Canara HSBC Life Insurance Company Ltd do?
Canara HSBC Life Insurance is an Indian life insurance company, headquartered in Gurugram. In 2008, Canara HSBC Life Insurance was a JV between Canara Bank (51%), HSBC Insurance (Asia Pacific) Holdings Limited (26%) and PNB (23%).
Where is Canara HSBC Life Insurance Company Ltd (CANHLIFE) listed?
Canara HSBC Life Insurance Company Ltd trades as CANHLIFE on the NSE and under code 544583 on the BSE.
Which sector does Canara HSBC Life Insurance Company Ltd belong to?
Canara HSBC Life Insurance Company Ltd is classified under the Insurance sector, in the Life Insurance industry.
What is the PE ratio of Canara HSBC Life Insurance Company Ltd?
Canara HSBC Life Insurance Company Ltd trades at a PE ratio of 87.16 as of 4 Nov 2026, on earnings per share of ₹1.41, against a book value of ₹17.25 per share.
What is the 52-week high and low of Canara HSBC Life Insurance Company Ltd?
Over the last 52 weeks Canara HSBC Life Insurance Company Ltd has traded between ₹115.53 and ₹166.69 as of 4 Nov 2026.
Does Canara HSBC Life Insurance Company Ltd pay dividends?
Canara HSBC Life Insurance Company Ltd has a dividend yield of 0.33%.
What is the Return on Equity (ROE) of Canara HSBC Life Insurance Company Ltd?
Canara HSBC Life Insurance Company Ltd reported a return on equity of 8.11%. Its debt-to-equity ratio is 0.15.

Company Information

Canara HSBC Life Insurance is an Indian life insurance company, headquartered in Gurugram. In 2008, Canara HSBC Life Insurance was a JV between Canara Bank (51%), HSBC Insurance (Asia Pacific) Holdings Limited (26%) and PNB (23%). In 2022, the company renamed itself as Canara HSBC Life Insurance after the exit of its third partner, PNB.

Website canarahsbclife.com
CEO Mr. Anuj Dayal Mathur B.Com., C.A., C.S.
Employees 7,898
Listed 17 Oct 2025
Face Value ₹10

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/CANHLIFE.md for Canara HSBC Life Insurance Company Ltd: dated key facts, then this page's sections in order: latest price, key fundamentals, peer comparison, the Tapetide Score, technical indicators, analyst ratings, growth rates, analyst forecasts, the AI analysis and news digest (labelled as AI-generated), financial statements, shareholding pattern, documents and the FAQ.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our Indian stock market MCP server.

Explore More

More Insurance stocks → FII DII DataStock ScreenerNifty 50 HeatmapF&O Ban ListFII and DII flows, month by monthHow Tapetide Scores changed, month by monthStocks mutual funds are buying, month by month