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Swing Capital

Canara HSBC Life Insurance Company Ltd

NSE: CANHLIFE BSE: 544583Banking

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.[1]

₹133
52W: ₹106 — ₹159
PE 99.6 · Book ₹16.9 · +687% vs book
Market Cap₹12,606 Cr
Stock P/E99.6Price to Earnings
ROCE8.35%Return on Capital
ROE8.11%Return on Equity
Div. Yield0%Face Value ₹10

Weaknesses

  • −Stock is trading at 7.89 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.73.0 Cr.

Shareholding Pattern

Promoters62%
FIIs5.67%
DIIs29.79%
Public2.28%
CategoryDec 2025Mar 2026
Promoters62%62%
FIIs4.57%5.67%▲1.1
DIIs30.85%29.79%▼1.1
Public2.32%2.28%▼0.0

Financial Statements

MetricSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales3,3231,5162,7833,6322,3484,2021,374
Expenses3,3171,5392,7493,6252,3324,2721,258
Operating Profit6-2334616-70116
OPM %0%-1%1%0%1%-2%8%
Net Profit37293223412835
EPS ₹0.390.310.340.250.430.290.37

AI Insights

Revenue Trend

Mar 2026 revenue at ₹11,556Cr, up 7.9% YoY. OPM at 1%.

Debt Position

Borrowings at ₹250Cr. Debt-to-equity ratio: 0.38x. Healthy balance sheet.

Margin & Efficiency

ROCE improving from 0% (Mar 2020) to 8% (Mar 2026). Working capital days: -5.

Valuation

PE 99.6x with 8.35% ROCE. Price is 687% above book value of ₹16.9. Dividend yield: 0%.

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