Financials HDFC Life Insurance Company Limited

Equities

Delayed NSE India S.E. Other stock markets 11:17:43 16/01/2026 am IST			5-day change	1st Jan Change
734.35 ^INR	-1.19%		-2.16%	-2.15%

10:18am	HDFC Life Insurance Company's Profit Declines in Fiscal Q3	MT
15/01	Global markets live: Microsoft, Morgan Stanley, Citigroup, Disney, Spotify…

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	11,42,990	12,88,026	13,84,666
Change	-	-5.91%	5.62%	42.52%	-4.71%	18.83%	12.69%	7.5%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	13,543	13,028	12,822	15,697	18,779	26,336	34,905	39,837
Change	-	-3.8%	-1.58%	22.42%	19.64%	40.24%	32.54%	14.13%
Interest Paid ¹	-269.7	-400.2	-	-	-	-1	-1	-1
Earnings before Tax (EBT) ¹	13,543	13,028	12,822	15,697	18,779	21,441	25,032	28,942
Change	-	-3.8%	-1.58%	22.42%	19.64%	14.18%	16.75%	15.62%
Net income ¹	13,609	13,269	13,683	15,741	18,108	20,292	23,468	27,012
Change	-	-2.49%	3.12%	15.04%	15.04%	12.06%	15.65%	15.1%
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 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	-	-	-	-	-	3,575	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	5,636	4,680	4,410	11,610
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%	15.98%	-16.95%	-5.78%	163.25%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-	-	2,742	-	-	3,304	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income	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	5,484	-	-	-
Change	-	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%	15.35%	-	-	-
Announcement Date	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	15/07/25	15/10/25	-	-

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%	2.3%	2.71%	2.88%
EBT Margin (%)	-	1.9%	1.94%	1.81%	1.56%	1.95%	1.88%	1.94%	2.09%
Net margin (%)	-	1.91%	1.98%	1.93%	1.56%	1.88%	1.78%	1.82%	1.95%
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%	13.12%	13.8%	14.57%
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	2.4	2.825	3.6
Change	-	-	-15.84%	11.76%	5.26%	5%	14.29%	17.71%	27.43%
Book Value Per Share ¹	-	42.75	73.3	60.42	68.19	74.9	81.2	89.7	99.57
Change	-	-	71.46%	-17.57%	12.85%	9.85%	8.41%	10.47%	11%
EPS ¹	-	6.73	6.48	6.41	7.31	8.41	9.377	10.82	12.58
Change	-	-	-3.71%	-1.08%	14.04%	15.05%	11.5%	15.42%	16.24%
Nbr of stocks (in thousands)	-	20,20,944	21,12,619	21,49,396	21,50,944	21,52,988	21,57,616	21,57,616	21,57,616
Announcement Date	-	26/04/21	26/04/22	26/04/23	18/04/24	17/04/25	-	-	-