A short and brief thread on life insurance and it's market leader in india, #hdfclife
#investors .

Was getting a lot of request to cover this sector.(1/n)
Life insurance is a legally binding contract.
For the contract to be enforceable, the life insurance application must accurately disclose the insured’s past and current health conditions and high-risk activities.
#hdfclife (2/n)
For a life insurance policy to remain in force, the policyholder must pay a single premium up front or pay regular premiums over time.
When the insured dies, the policy’s named beneficiaries will receive the policy’s face value, or death benefit.
#hdfclife (3/n)
Term life insurance policies expire after a certain number of years. Permanent life insurance policies remain active until the insured dies, stops paying premiums, or surrenders the policy.
A life insurance policy is only as good as the financial strength of the company that issues it. State guaranty funds may pay claims if the issuer can’t.

Listed INDIAN companies:

Some unlisted players:
One of the 3 listed subsidiaries of the #HDFC group, #hdfclife is the leader amongst the listed players.
It's other subscribers are #hdfcamc and #hdfcbank .

Let's have a short and quick LOOK at pros and cons of #hdfclife (6/n)
Rising Net Cash Flow and Cash from Operating activity

Company with Low Debt

Company able to generate Net Cash - Improving Net Cash Flow in last 2 years

Annual Net Profits improving for last 2 years

Book Value per share Improving for last 2 years
#invest (7/n)
Company with Zero Promoter Pledge

FII / FPI or Institutions increasing their shareholding

Brokers upgraded recommendation or target price in the past three months

Now let us see some negative and risk factors.
#nifty50 (8/n)

Company with growing costs
YoY for long term projects

Negative Breakdown First Support (LTP < S1)

Promoter holding decreased by more than -2% QoQ

MACD Crossover Below Signal Line

MFs decreased their shareholding last quarter
Inefficient use of shareholder funds - ROE declining in the last 2 years

Degrowth in Revenue and Profit

Decline in Net Profit (QoQ)

Decline in Quarterly Net Profit with falling Profit Margin (YoY)

Promoter decreasing their shareholding
#risks (10/n)
Low Piotroski Score

Companies with weak financials

Fall in Quarterly Revenue and Net Profit (YoY)

Recent Results: Declining Operating Profit Margin and Net Profits (YoY)
Thanks for your time ✍️🙏.
Not a recommendation for educational purposes only.

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Not a recommendation for educational purposes only.
BAAP hamesha BAAP hi hota hain
BAAP hamesha BAAP hi hota hain
Read 5 tweets

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