Financials HDFC Life Insurance Company Limited

Equities

Market Closed - NSE India S.E. Other stock markets 05:19:41 15/07/2025 pm IST			5-day change	1st Jan Change
756.85 ^INR	-1.03%		-4.13%	+22.66%

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07:51pm	HDFC Life Insurance Company Limited, Q1 2026 Earnings Call, Jul 15, 2025

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	7,12,683	6,70,595	7,08,277	10,09,411	9,61,840	11,09,408	12,68,904	15,27,515
Change	-	-5.91%	5.62%	42.52%	-4.71%	15.34%	14.38%	20.38%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	13,543	13,028	12,822	15,697	18,779	29,571	37,140	42,572
Change	-	-3.8%	-1.58%	22.42%	19.64%	57.47%	25.59%	14.63%
Interest Paid ¹	-269.7	-400.2	-	-	-	-1	-1	-
Earnings before Tax (EBT) ¹	13,543	13,028	12,822	15,697	18,779	21,879	25,817	31,715
Change	-	-3.8%	-1.58%	22.42%	19.64%	16.51%	18%	22.85%
Net income ¹	13,609	13,269	13,683	15,741	18,108	21,124	24,853	30,880
Change	-	-2.49%	3.12%	15.04%	15.04%	16.66%	17.65%	24.25%
Announcement Date	26/04/21	26/04/22	26/04/23	18/04/24	17/04/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales	-	-	2,11,286	1,91,929	-	-	-	-	-	1,44,022	2,14,705	2,32,126	2,30,178	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-9.16%	-	-	-	-	-	-	49.08%	8.11%	-0.84%	-	-	-	-	-	-	-	-	-	-
EBITDA	-	3,520	-	-	-	-	-	3,575	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	-	-	2,622	3,102	2,742	2,781	-	-	-	3,153	2,734	4,181	3,322	3,694	4,500	4,992	4,405	4,524	4,859	7,768	6,770	6,901	8,132
Change	-	-	-	18.33%	-11.62%	1.43%	-	-	-	-	-13.29%	52.93%	-20.55%	11.21%	21.8%	10.94%	-11.76%	2.7%	7.42%	59.85%	-12.84%	1.93%	17.85%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	4,506	3,280	-	-	2,742	-	-	3,304	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-27.23%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income ¹	4,505	3,278	2,634	3,191	2,696	2,759	2,753	3,288	3,290	3,159	-	4,167	3,782	3,675	4,116	4,790	4,352	4,213	4,754	4,900	-	-	-
Change	-	-27.24%	-19.64%	21.11%	-15.52%	2.36%	-0.23%	19.44%	0.07%	-3.98%	-	-	-9.24%	-2.82%	12%	16.36%	-9.14%	-3.19%	12.83%	3.08%	-	-	-
Announcement Date	21/07/20	19/10/20	22/01/21	26/04/21	19/07/21	22/10/21	21/01/22	19/07/22	21/10/22	20/01/23	26/04/23	21/07/23	13/10/23	12/01/24	18/04/24	15/07/24	15/10/24	15/01/25	17/04/25	-	-	-	-

¹INR in Million

Estimates

¹INR in Million

Estimates

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-2,185	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	26/04/21	26/04/22	26/04/23	18/04/24	17/04/25	-	-	-

Estimates

Fiscal Period: March	2020	2021	2022	2023	2024	2025
CAPEX ¹	385.8	612.1	566.4	875.7	1,360	3,007
Change	-	58.65%	-7.47%	54.62%	55.24%	121.2%
Free Cash Flow (FCF) ¹	4,079	16,990	7,728	14,324	6,169	-16,472
Change	-	316.55%	-54.51%	85.35%	-56.93%	-367.02%
Announcement Date	26/06/20	25/06/21	08/06/22	28/06/23	22/06/24	23/06/25

¹INR in Million

Estimates

Fiscal Period: March	2020	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	1.9%	1.94%	1.81%	1.56%	1.95%	2.67%	2.93%	2.79%
EBT Margin (%)	-	1.9%	1.94%	1.81%	1.56%	1.95%	1.97%	2.03%	2.08%
Net margin (%)	-	1.91%	1.98%	1.93%	1.56%	1.88%	1.9%	1.96%	2.02%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.87%	0.65%	0.57%	0.57%	0.57%	0.6%	0.6%	0.6%
ROE	-	17.62%	10.94%	9.57%	11.38%	11.75%	12.63%	13.57%	14.75%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	0.76x	-	-	-
Debt / Free cash flow	-	-	-	-	-	-0.69x	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	11.19	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2.02	1.7	1.9	2	2.1	2.767	3.267	5.7
Change	-	-	-15.84%	11.76%	5.26%	5%	31.75%	18.07%	74.49%
Book Value Per Share ¹	-	42.75	73.3	60.42	68.19	74.9	82.3	91.5	102.4
Change	-	-	71.46%	-17.57%	12.85%	9.85%	9.88%	11.18%	11.86%
EPS ¹	-	6.73	6.48	6.41	7.31	8.41	9.775	11.46	13.53
Change	-	-	-3.71%	-1.08%	14.04%	15.05%	16.23%	17.24%	18.09%
Nbr of stocks (in thousands)	-	20,20,944	21,12,619	21,49,396	21,50,944	21,52,988	21,54,694	21,54,694	21,54,694
Announcement Date	-	26/04/21	26/04/22	26/04/23	18/04/24	17/04/25	-	-	-