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CANARA HSBC LIFE INSURANCE COM (CANHLIFE)

Finance · Life/Health Insurance · figures to Nov '26

Momentum scoreHow strong the recent trend is: 3-month price change, 12-month improvement in earnings and the rise in FII + DII holding, among companies above ₹500 cr.29 / 100
Price 14Earnings 44
Compare withLIFE INSURANCE CORP OF IND LICBAJAJ FINSERVSBI LIFE INSURANCE COMPANY

Share price

Closing priceAdjusted for splits and bonus issues.

₹119.63 latest close · −15.9% over the last 90 sessions

₹120₹140₹160Jul 3Jul 29Aug 24Sep 17Oct 14Nov 9 ₹120₹140₹160Jul 3Sep 4Nov 9

₹119.63 month-end · −2.8% over 12 months

₹120₹140Nov '25Jan '26Apr '26Jun '26Sep '26Nov '26 ₹120₹140Nov '25May '26Nov '26

₹119.63 month-end · +2.8% since Oct '25

₹120₹140₹160Oct '25Jan '26Mar '26Jun '26Aug '26Nov '26 ₹120₹140₹160Oct '25May '26Nov '26

52-week range ₹114.06 to ₹166.69 · 1-year volatility 28.8%

Was the rally earned?

-3%share price, 1 yearRoughly flat
  • The share price was roughly flat over 1 year (-3%).
  • The share count barely moved.
Net profit growth: +9 pts. Points of the price return explained by net profit growing (or shrinking).+9 ptsNet profit growthP/E change: −10 pts. Points of the price return explained by the market paying a higher or lower P/E multiple.−10 ptsP/E changeShare count change: −2 pts. Points of the price return explained by the share count changing. More shares count against the price.−2 ptsShare count changeShare price: −3%−3%Share priceNet profit growth: +9 pts. Points of the price return explained by net profit growing (or shrinking).+9ProfitP/E change: −10 pts. Points of the price return explained by the market paying a higher or lower P/E multiple.−10P/EShare count change: −2 pts. Points of the price return explained by the share count changing. More shares count against the price.−2SharesShare price: −3%−3%Share price
Net profit growth+9 ptsNet profit rose about 10%, which lifts the price.
P/E change-10 ptsThe P/E fell from 95.4x to 86.1x, which lowers the price.
Share count change-2 ptsShare count was little changed. More shares would count against the price.
What do "pts" mean?

"pts" are percentage points of the share price return. The parts add up to the total shown for each period. Because price = P/E × net profit ÷ share count, higher profit pushes the price up, a higher P/E pushes it up, and more shares push it down.

Example: if the price rose 34% and profit growth accounts for +58 pts while a lower P/E accounts for -24 pts, then 58 - 24 = 34. The +58 is not the profit growth rate itself: it is the part of the price move that profit growth explains.

Not shown for 3 years and 5 years: earnings were negative at one end, or there is not enough history.

Net profit is trailing twelve months as reported with a 60-day lag.

Compare this with LIFE INSURANCE CORP OF IND LIC

How rough has the ride been?

Maximum drawdown-23.9%not yet recovered
1-year volatility28.8%annualised
Volume spikes9last 90 sessions, 5x the 50-day median

Drawdown from peak

0%−10%−20%2026−23.9% 0%−10%−20%2026−23.9%
Largest drawdowns

-23.9% (2026-09 peak to 2026-11 low, not yet recovered)

Most recent volume spikes

2026-10-16: 5.2x the 50-day median, price -3.2% that day

2026-09-24: 7.6x the 50-day median, price -0.1% that day

2026-08-31: 9.9x the 50-day median, price +1.3% that day

Where does it rank among Finance peers?

Each cell is the company's percentile rank among its Finance peers (banks and financial companies) that month.
Darker is better-ranked.
Rows marked ↓ are inverted (lower debt, shorter cash cycle and a lower P/E rank higher).

Where it ranks today

  • ROE (approx.)35th▲ 9 pts vs a year ago
  • EPS growth42nd
  • P/B ↓4th▼ 3 pts vs a year ago
  • 12M momentum57th
  • FII + DII70th

Rank history

ROE (approx.)
EPS growth
P/B ↓
12M momentum
FII + DII
Dec '21Jul '22Jan '23Jul '23Jan '24Jul '24Jan '25Jul '25Jan '26Jul '26Nov '26
Lower rank Higher rank Not enough data

Percentiles use today's listed companies in the sector and need at least 5 peers with a value; grey cells have too few.
ROE is computed from net profit and book value where the source does not report it.

The Finance sector page Watch it move against Finance in the Observatory

What is the price implying?

~37%annual earnings growth implied by the price

At a P/E of 124.0x, the price would imply about 37.0%/yr earnings growth for 10 years under the same assumptions, but it is not ranked.

This model is not meaningful for insurers, asset managers and holding companies.

“Implied growth” is what the current price would require under our stated assumptions, not what we expect.

What prices imply across Finance The market-wide Expectations lists

Key figures

Share Priceclose 9 Nov
₹119.63
P/E
86.1x
ROCE
8.0%
Market Cap
₹11403 cr
Revenue (TTM)
₹12275 cr
P/S
0.9x
P/B
7.1x
ROE
8.3%
Operating Margin
0.0%
Debt / Equity
0.2x
Promoter Holding
62.0%
12M Momentum
-2.8%

52-week range

₹114.06₹166.69
11% of the way from its 52-week low to its high

Price risk

1Y volatility
28.8%
Beta vs sector
1-year daily
0.28

Balance sheet & cash

Share count, 1Y
unchanged

Are profits backed by cash?

0 of 1checks within range1 near a threshold
Tax rate10%Near threshold

Median quarterly effective tax rate over about 2.5 years: 10.0%. Bands: 15% to 35%, 5% to 15% or 35% to 50%, outside 5% to 50%.

Tap a check to see how it is measured

Cash conversion and receivable days are not meaningful for banks and NBFCs, so only the other-income and tax-rate checks are shown.

How to read this

Each check is a named rule with fixed thresholds, not a score. Annual statements are the latest restated figures, so a past year may differ from what was originally reported.

All terms explained in the glossary →

What happened next to similar setups

This comparison is not meaningful for insurers, asset managers and holding companies.

Methodology

How historical analogs are built

Data as of 2026-11-09. Outcome pool: Jan 2020 to Oct 2025.

For every company we look at the situation it is in today (valuation, return on capital, margins, debt, growth, 12-month price momentum, drawdown, size and volatility) and find past company-months that looked most like it. We then show what happened to those past situations over the following 12 months, measured against the ApnaFunda All index and against the base rate. It describes history. It does not predict anything.

What is compared

FeatureWeightNon-financialFinancial
P/E1yesyes
P/S1yes—
P/B1—yes
ROCE1yes—
operating margin1yes—
ROE1—yes
debt/equity0.75yes—
interest cover0.5yes—
revenue growth0.75yesyes
12-month momentum1yesyes
drawdown from 12-month high0.75yesyes
size0.75yesyes
volatility0.5yesyes

Weights were set by judgement before any outcome was looked at and are never tuned on results. Loss-making companies (negative P/E or net profit) are only matched with other loss-making companies. Banks, NBFCs and insurers are compared only with each other and use a different feature set. Every feature is converted, month by month, to its rank among companies in the same pool in that month, so a P/E of 30 in a hot market and a P/E of 22 in a cold one can match if both were equally expensive for their time. Only that month's data is used.

How closeness and the sample are defined

Distance is the weighted root-mean-square gap between the standardised features both companies have. A match needs at least 70% of the query's feature weight, a distance of at most 0.9, and 30 matches at minimum to be shown. We keep up to 50 matches with these exclusions: never the company itself, one match per company (its closest month), and at most 7 from any one calendar month so a single market episode cannot dominate.

Base rate

The base rate is the distribution of 12-month returns, relative to the market, of every eligible company-month in the same pool, with each month weighted to match the months the analogs came from. It answers: how did a random company do in these same months? Because matches from nearby months share the same market conditions, we also report the number of distinct 12-month windows behind a result, and a bootstrap that resamples months decides whether the analog median differs from the base rate at all. "Not meaningfully different" is the usual outcome and the page copy is written for it.

Limits you should know

  • One market period. The outcome pool covers 2020–2025 only (70 months), including the 2020 crash and the 2020–21 rally.
  • Survivorship. Only companies listed today are included. Delisted and bankrupt companies are missing, which flatters past outcomes, particularly for distressed-looking setups.
  • Price return only. Dividends are excluded, and the benchmark is an ApnaFunda market-cap-weighted index of the same listed companies, not an official index.
  • Reporting lag. Fundamentals are matched on an assumed 60-day lag after the quarter end, not on real announcement dates.
  • Pools: non-financial: 98,395 company-months from 2019 companies; financial: 5,659 company-months from 108 companies. 2349 companies currently have a result; the rest are suppressed because too few comparable situations exist.

Does it work? A walk-forward check

The walk-forward check has not been run for this build, so skill is shown as not yet measured.

Disclaimer

This is history, not a forecast. These are past situations where other companies had broadly similar reported numbers and price trends. What happened to them does not tell you what will happen to any company shown. The comparison covers only 2020–2025, a single market period, and only companies still listed today. Companies that were delisted or went bankrupt are missing, which makes past outcomes look better than they were. Returns exclude dividends and are measured against an ApnaFunda-built index, not an official benchmark. Fundamentals are matched on a 60-day assumed reporting lag, not actual announcement dates. Its historical skill has not yet been measured. Past patterns may not repeat.

What else looks like this?

Companies with the most similar financial profile today, regardless of industry.

GO DIGIT GENERAL INSURANCEGODIGIT
Finance
71%similar
ROEP/B
NIVA BUPA HEALTH INSUR COMNIVABUPA
Finance
65%similar
market capP/B
MUFIN GREEN FINANCEMUFIN
Finance
60%similar
ROEP/B

Similarity is statistical, based on reported metrics; it does not imply similar business quality or future returns.

What changed?

5 events since Dec '25

  1. OctPriceVolume reached 5.2x its 50-day median on 2026-10-16; price -3.2% that day.
  2. JulPriceVolume reached 93.4x its 50-day median on 2026-07-21; price +3.2% that day.
  3. AprPriceVolume reached 11.3x its 50-day median on 2026-04-29; price +7.2% that day.
  4. JanPriceVolume reached 15.8x its 50-day median on 2026-01-22; price +9.6% that day.
  5. DecPriceVolume reached 7.1x its 50-day median on 2025-12-23; price +5.9% that day.

Events are generated from the data by fixed rules.
The month shown is when the change became visible in the reported figures, assuming a 60-day lag after each quarter end; it is not an announcement date.

Where price and fundamentals disagree, market-wide Rewind the whole market to any month

Monthly history14 months · 2025-10 to 2026-11
MonthP/ERevenue (TTM)ROEROCEDebt / Equity
2026-1186.1x₹12275 cr8.3%8.0%0.2x
2026-1087.3x₹12275 cr8.2%8.0%0.2x
2026-09106.8x₹12275 cr8.2%8.0%0.2x
2026-08116.5x₹11556 cr7.9%8.0%0.2x
2026-07109.3x₹11556 cr7.9%8.0%0.2x
2026-06104.4x₹11556 cr7.9%8.0%0.2x
2026-05105.4x₹12965 cr8.2%9.0%0.0x
2026-04107.9x₹12965 cr8.2%9.0%0.0x
2026-03107.4x₹12965 cr8.2%9.0%0.0x
2026-02107.6x₹10279 cr8.2%9.0%0.0x
2026-01110.8x₹10279 cr8.2%9.0%0.0x
2025-12111.4x₹10279 cr8.2%9.0%0.0x
2025-1195.4x₹11254 cr8.0%9.0%0.0x
2025-1090.2x₹11254 cr8.0%9.0%0.0x

Methodology and data notes

Methodology

Methodology and data notes

All figures come from public exchange prices and screener.in financial statements. Quarterly and annual results are shown from 60 days after the period end, so a month never uses a result before it would plausibly have been published. Statements are the latest versions, which may include later restatements.

Sector medians, percentiles and indices use today's listed companies in the sector (survivorship bias). Prices are adjusted for splits and bonus issues; around a corporate action the fundamentals may lag the price by up to a month, and affected sections are hidden.

The return decomposition uses price = P/E × net profit ÷ share count. The reverse DCF uses a fixed 12% cost of equity, a 10-year horizon and a 15x terminal P/E, and is an illustration only. Events, flags and twins follow fixed rules and thresholds described next to each section.

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