Canara HSBC Life Insurance Company Ltd
CANHLIFECanara HSBC Life Insurance Company Ltd's three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it.
Biggest watch item: the price is already 41 weeks into its uptrend — timing risk, not thesis risk.
The price is in a confirmed uptrend (41 weeks in) while the P/BV sits at the 54th percentile of its own 1-year range. Underneath, the last four quarters read improving — profit +21.7% year on year, with the the net margin at 0.6%. What settles it: the next one or two quarters of delivery.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Canara HSBC Life Insurance Company Ltd trades at ₹149, in a confirmed uptrend and 41 weeks into that stage. That is +7.4% against its own 200-day average. It sits at 91% of a 52-week range of ₹111 to ₹152. On relative strength it has been ahead of the NIFTY 500 on a trailing-13-week view for 6 straight weeks.
Today the stock is in a confirmed uptrend — week 41 of stage 2, confirmed. At ₹149 it trades +7.4% versus its 200-day average and sits at 91% of its 52-week range (₹111–₹152).
Against the market, two honest reads. Cumulative: over the last 10 months the stock moved +33% while the NIFTY 500 moved −1% — ahead of the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 6 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Canara HSBC Life Insurance Company Ltd trades at 8.7× P/BV, mid-range by its own standards (54th percentile). Its long-run median P/BV is 8.6×, measured across 0.6 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 8.7× is mid-range by its own standards (54th percentile), against a long-run median of 8.6× measured over 0.6 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
The honest context for that discount: a bank earning about 8% on its equity is worth less per rupee of book, and the market has priced that in rather than overlooked it. The discount closes only if the returns themselves improve.
Put together: the multiple is unremarkable against its own past, so the story rests on the book-value line underneath it, not the multiple.
The PEG ratio, which only the second data source carries, is not drawn on this page: its two data sources disagree by up to 195% on reported income across 7 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
Stage: No read Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Canara HSBC Life Insurance Company Ltd reads as no read on its fundamental arc. Under eight usable quarters on the growth trio — not enough history for an honest trajectory read. The read is built from 4 quarters across 0 curves, on partial evidence.
Why it matters: with too little history, an honest page says so instead of guessing a trajectory.
One or more growth curves carry a base-effect spike — a large year-on-year move off a near-zero or loss-making comparable quarter. Those spikes are capped before the classifier reads the trajectory, and shown pinned on the chart, so a single distorted quarter does not drive the stage call.
Fewer than eight usable quarters on the growth curves — this page will not guess a trajectory from a stub of history.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +7.9% | +11.1% | +4.5% | — |
| Profit | +8.5% | +11.8% | +6.0% | — |
| EPS | +8.1% | +11.5% | +5.9% | — |
4-Factor Sector Score
39.4/100 — rank 8 of 8 in Finance - Insurance · 49% evidence confidence · provisional, ranked below fully-evidenced peers
Canara HSBC Life Insurance Company Ltd scores 39.4 out of 100 against the 8 companies it is compared with in Finance - Insurance, ranking 8. Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
The four contributions add to the total exactly: 18.8 + 7.2 + 3.4 + 10 = 39.4. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.
Canara HSBC Life Insurance Company Ltd reported ₹4,351 Cr of income in the Jun 26 quarter, +19.8% year on year. Over 6 years it has compounded at 24.7% a year. The last full year, FY26, came in at ₹11,556 Cr. The last four reported quarters add to ₹12,275 Cr.
FY26 revenue came in at ₹11,556 Cr (+7.9% on the year), capping 6 years at 24.7% compound. The latest quarter (Jun 26) printed ₹4,351 Cr, +19.8% year on year.
Pace check: the last four quarters averaged +29.3% growth against the decade's 24.7% — the current year is running faster than its own long-run rate.
Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.
Canara HSBC Life Insurance Company Ltd's net margin is 0.6% in the Jun 26 quarter, +0.0 percentage points against the same quarter a year ago. Across 7 fiscal years the net margin has ranged 0.1% to 3.4%. The current quarter sits inside that band.
The latest quarter's net margin is 0.6%, +0.0 pp against the same quarter a year ago. Across 7 fiscal years the net margin has ranged 0.1%–3.4%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Canara HSBC Life Insurance Company Ltd earned ₹28.0 Cr of net profit in the Jun 26 quarter, +21.7% year on year. It is the 2nd consecutive quarter of growth. Full-year FY26 profit was ₹127 Cr. The 6-year compound rate is 3.2%. That is 0.6% of the quarter's revenue. The same quarter a year earlier earned ₹23.0 Cr.
Jun 26 profit was ₹28.0 Cr, +21.7% year on year — the 2nd consecutive quarter of growth. On the full year, FY26 printed ₹127 Cr (+8.5%), and the 6-year compound rate is 3.2%.
Why profit moved: revenue contributed +19.8% and the margin +0.0 pp — the quarter was revenue-led, with the margin roughly flat.
Pace comparison, last four quarters: profit +9.6% vs revenue +29.3%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Canara HSBC Life Insurance Company Ltd, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Canara HSBC Life Insurance Company Ltd's revenue grew +7.9% in FY26 to ₹11,556 Cr, so the book is growing. The latest quarter ran +19.8% year on year. The net margin on that income is 0.6%, +0.0 percentage points against a year ago.
FY26 revenue was ₹11,556 Cr, +7.9% on the year, and the latest quarter ran +19.8% year on year. The net margin on that revenue is 0.6% this quarter (+0.0 pp YoY) — growth with a widening margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.
Returns on equity and assets Two numbers usually rate a lender: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys.
A clean annual return-on-equity ladder is not held for Canara HSBC Life Insurance Company Ltd. For an insurer especially the standard bank ratios are not the right lens, so this page does not force them onto the filings rather than estimating a series it cannot support.
We do not hold a clean annual return-on-equity series for Canara HSBC Life Insurance Company Ltd — for an insurer especially, the standard bank ratios are not the right lens, so this page does not force them. The revenue, margin and ownership sections above and below are the reads we stand behind.
The quarterly return-on-equity and return-on-assets curves, which only the second data source carries, are not drawn on this page: its two data sources disagree by up to 195% on reported income across 7 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.
No holder of Canara HSBC Life Insurance Company Ltd moved a full percentage point over the last two years — the register is quiet. The register is read on the four disclosed classes only; nothing is inferred between filings.
The register over the last two years — .
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Canara HSBC Life Insurance Company Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Life Insurance Corporation of IndiaLICI | 67.4/100Thin evidence · provisional53% evidence | ASLEEP | 22.7/35 Income 10.1% · PAT 23.3% 52% evidence | 16.4/25 ROA — · ROE 37.8% · GNPA — 34% evidence | 13.0/20 P/BV — · P/BV÷ROE — 30% evidence | 15.3/20 RS sector 3.1% · RS bench -4.2% · 1Y -9.4%2 of 12 weeks ahead 100% evidence |
| Exact sum: 22.7 + 16.4 + 13 + 15.3 = 67.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 2ICICI Prudential Life Insurance Company LtdICICIPRULI | 46.6/100Mixed-negative evidence78% evidence | BASING | 18.4/35 Income -10.5% · PAT 35.7% 75% evidence | 11.2/25 ROA 0.3% · ROE 12.6% · GNPA — 72% evidence | 11.0/20 P/BV 5.41× · P/BV÷ROE 0.43 100% evidence | 6.0/20 RS sector -9% · RS bench -13.7% · 1Y -16.5%0 of 11 weeks ahead 70% evidence |
| Exact sum: 18.4 + 11.2 + 11 + 6 = 46.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 3Go Digit General Insurance LtdGODIGIT | 45.7/100Mixed-negative evidence82% evidence | ASLEEP | 18.7/35 Income 7.3% · PAT 6.5% 86% evidence | 17.1/25 ROA 2.2% · ROE 12.2% · GNPA — 72% evidence | 9.4/20 P/BV 5.16× · P/BV÷ROE 0.42 70% evidence | 0.5/20 RS sector -16.1% · RS bench -22.1% · 1Y -27.1%0 of 12 weeks ahead 100% evidence |
| Exact sum: 18.7 + 17.1 + 9.4 + 0.5 = 45.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4SBI Life Insurance Company LtdSBILIFE | 39.2/100Mixed-negative evidence76% evidence | ASLEEP | 8.3/35 Income -1.3% · PAT 4.6% 86% evidence | 13.5/25 ROA 0.4% · ROE 13.7% · GNPA — 72% evidence | 4.9/20 P/BV 8.93× · P/BV÷ROE 0.65 70% evidence | 12.5/20 RS sector 4.4% · RS bench -7.4% · 1Y -2.1%0 of 10 weeks ahead 70% evidence |
| Exact sum: 8.3 + 13.5 + 4.9 + 12.5 = 39.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Religare Enterprises LtdRELIGARE | 37.9/100Thin evidence · provisional55% evidence | FADING | 15.4/35 Income 19% · PAT -80% 52% evidence | 8.6/25 ROA — · ROE 3.2% · GNPA — 34% evidence | 4.8/20 P/BV 2.69× · P/BV÷ROE 0.85 70% evidence | 9.1/20 RS sector -2.1% · RS bench -4.6% · 1Y -7.9%7 of 11 weeks ahead 70% evidence |
| Exact sum: 15.4 + 8.6 + 4.8 + 9.1 = 37.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 6HDFC Life Insurance Company LtdHDFCLIFE | 37.2/100Mixed-negative evidence76% evidence | ASLEEP | 13.9/35 Income 4.3% · PAT 5.1% 86% evidence | 12.6/25 ROA 0.5% · ROE 11.3% · GNPA — 72% evidence | 6.7/20 P/BV 5.96× · P/BV÷ROE 0.53 70% evidence | 4.0/20 RS sector -12.5% · RS bench -22.2% · 1Y -29.6%0 of 10 weeks ahead 70% evidence |
| Exact sum: 13.9 + 12.6 + 6.7 + 4 = 37.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Niva Bupa Health Insurance Company LtdNIVABUPA | 54.8/100Thin evidence · provisional47% evidence | ASLEEP | 17.0/35 Income 27.9% · PAT -42.6% 52% evidence | 8.9/25 ROA — · ROE 3.5% · GNPA — 34% evidence | 10.0/20 P/BV — · P/BV÷ROE — 0% evidence | 18.9/20 RS sector 10.1% · RS bench 2.4% · 1Y 3.4%10 of 12 weeks ahead 100% evidence |
| Exact sum: 17 + 8.9 + 10 + 18.9 = 54.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 8Canara HSBC Life Insurance Company Ltdthis pageCANHLIFE | 39.4/100Thin evidence · provisional49% evidence | TURNING | 18.8/35 Income 9.1% · PAT 9.1% 52% evidence | 7.2/25 ROA 0.2% · ROE 8.1% · GNPA — 68% evidence | 3.4/20 P/BV 8.66× · P/BV÷ROE 1.07 70% evidence | 10.0/20 RS sector — · RS bench — · 1Y —1 of 12 weeks ahead 0% evidence |
| Exact sum: 18.8 + 7.2 + 3.4 + 10 = 39.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led NIFTY 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Canara HSBC Life Insurance Company Ltd's share price today?
Canara HSBC Life Insurance Company Ltd trades at ₹149. The company is valued at ₹14,127 Cr. The stock sits at 91% of its 52-week range of ₹111–₹152, +7.4% versus its 200-day average. On the tape, the price is in a confirmed uptrend, 41 weeks in. — as of 14 August 2026.
What were Canara HSBC Life Insurance Company Ltd's latest quarterly results?
Canara HSBC Life Insurance Company Ltd reported total income of ₹4,351 Cr and net profit of ₹28.0 Cr for the Jun 26 quarter. Income rose 19.8% and profit rose 21.7% year on year. Earnings per share were ₹0.30. The net margin was 0.6%, 0.0 pp higher than a year earlier. — as of 14 August 2026.
What is Canara HSBC Life Insurance Company Ltd's revenue?
Canara HSBC Life Insurance Company Ltd reported revenue of ₹4,351 Cr in the Jun 26 quarter, +19.8% year on year. For the full FY26 fiscal year, revenue was ₹11,556 Cr (+7.9%). Over the last 6 years revenue compounded at 24.7% a year. — as of 14 August 2026.
What is Canara HSBC Life Insurance Company Ltd's profit?
Canara HSBC Life Insurance Company Ltd earned ₹28.0 Cr of net profit in the Jun 26 quarter, +21.7% year on year — the 2nd straight quarter of growth. Full-year FY26 profit was ₹127 Cr. The net margin ran 0.6% in the latest quarter. — as of 14 August 2026.
What is Canara HSBC Life Insurance Company Ltd's market cap?
Canara HSBC Life Insurance Company Ltd's market capitalisation is ₹14,127 Cr at a share price of ₹149. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 14 August 2026.
What is Canara HSBC Life Insurance Company Ltd's P/BV ratio?
Canara HSBC Life Insurance Company Ltd trades at a P/BV of 8.7×, at the 54th percentile of its own 1-year range, against a long-run median of 8.6×. This is a comparison with the stock's own history, not a value call — as of 14 August 2026.
Does Canara HSBC Life Insurance Company Ltd pay a dividend?
Yes — Canara HSBC Life Insurance Company Ltd's dividend payout was 30% of profit in FY26, and it recorded a payout in 5 of its last 7 reported fiscal years. This page holds the payout ratio, not a per-share amount. — as of 14 August 2026.
Is Canara HSBC Life Insurance Company Ltd overvalued?
On its own history, Canara HSBC Life Insurance Company Ltd looks mid-range: its P/BV of 8.7× sits at the 54th percentile of its 1-year range (long-run median 8.6×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 14 August 2026.
Is Canara HSBC Life Insurance Company Ltd growing?
Yes — Canara HSBC Life Insurance Company Ltd is growing: latest-quarter revenue +19.8% year on year, profit +21.7%, and the net margin +0.0 pp at 0.6%. The 6-year compound rates are 24.7% (revenue) and 3.2% (profit). The earnings engine currently reads: improving — as of 14 August 2026.
How is Canara HSBC Life Insurance Company Ltd performing?
Canara HSBC Life Insurance Company Ltd is in a confirmed uptrend, 41 weeks in. Its latest quarter's income rose 19.8% and profit rose 21.7% year on year. Against the NIFTY 500 it has been ahead on a trailing-13-week view for 6 weeks. — as of 14 August 2026.
Is Canara HSBC Life Insurance Company Ltd in an uptrend?
Yes — the price is in a confirmed uptrend (week 41 of stage 2), trading +7.4% versus its 200-day average and at 91% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 14 August 2026.
Is Canara HSBC Life Insurance Company Ltd beating the market?
On recent form, yes — Canara HSBC Life Insurance Company Ltd has been ahead of the NIFTY 500 on a trailing-13-week view for 6 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10 months the stock moved +33% against the NIFTY 500's −1% — ahead of the index over the full window. — as of 14 August 2026.
Will Canara HSBC Life Insurance Company Ltd's share price go up?
This page publishes no price forecast for Canara HSBC Life Insurance Company Ltd. What it measures instead: the share price is ₹149, the price is in a confirmed uptrend 41 weeks in. Its P/BV of 8.7× sits at the 54th percentile of its own 1-year range. — as of 14 August 2026.
Who owns Canara HSBC Life Insurance Company Ltd?
Promoters hold 62.0% of Canara HSBC Life Insurance Company Ltd, foreign institutions 5.4%, domestic institutions 29.7% and the public 2.5% (latest quarter). No holder moved a full point over the last two years — the register is quiet. — as of 14 August 2026.
Where is Canara HSBC Life Insurance Company Ltd in its business cycle?
Canara HSBC Life Insurance Company Ltd's FY26 net margin was 1.1%, against a 7-year band of 0.1%–3.4%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 0.6%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 14 August 2026.
What could break the Canara HSBC Life Insurance Company Ltd story?
Biggest watch item: the price is already 41 weeks into its uptrend — timing risk, not thesis risk. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 14 August 2026.
Is Canara HSBC Life Insurance Company Ltd a stock worth studying right now?
This is not investment advice. The machine read: Canara HSBC Life Insurance Company Ltd's three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it. The sharpest open question: the next one or two quarters of delivery. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 14 August 2026.