BSE: HDFCLIFE - HDFC Life Insurance Company Limited

Yield per half year: -8.52%
Dividend yield: +0.66%
Sector: Financials

Reporting HDFC Life Insurance Company Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				1 369.96	1 297.14	1 120	1 220		1 340	1251.78	-2.86
Выручка, млрд ₹			383.96	287.12	717.84	674.44	702.03	1 015.94	1 015.94	679.47	28.75
Чистая прибыль, млрд ₹	8.87	11.07	12.78	12.97	13.61	13.27	13.68	15.74	15.74	13.85	3.95
EV, млрд ₹					1 268.39	1 130	1 220		1 340	1206.13	-1.29
EBIT, млрд ₹	10.7	13.11	15.32	14.8	16.74	15.53	14.46		14.46	15.37	-1.15
EBITDA, млрд ₹									16.07
Баланс стоимость, млрд ₹		23.84	56.43	68.07	86.4	156.13	129.93	146.66	146.66	117.44	16.59
FCF, млрд ₹			98.23	73.4	96.42	58.86	67.96	105.85	105.85	80.50	7.60
Операционный денежный поток, млрд ₹	62.3	67.39	98.68	73.88	97.03	59.43	68.83		68.83	79.57	-6.95
Операционные расходы, млрд ₹			371.05	273.98	704.3	661.41	689.21	1 000.25	1 000.25	665.83	29.56
CAPEX, млрд ₹	0.4791	0.3388	0.4513	0.3858	0.6121	0.5664	0.8757	1.36	1.36	0.7600	28.66

	2019Q4	2020Q1	2020Q2	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹						143.32	175.08	66.89	230.77	195.78	208.59	234.14		269.68	280.61	269.3	252.46	5.24
Чистая прибыль, млрд ₹							5.06	3.29	3.29	3.16	3.62	4.17	3.77	3.68	4.12	4.79	4.11	2.81
EV, млрд ₹					1 477.09				1 122.94							1 250.42	1283.48	-5.40
EBIT, млрд ₹	4.95	2.4	4.82	3.49						1.84	5.25	3.97	-2.79				2.35	-195.62
Баланс стоимость, млрд ₹			50.2		88.9		156.13		123.47		129.93			141.81	146.66	153.5	139.07	4.45
Операционные расходы, млрд ₹						140.54	170.35	63.59	227.47	192.62	205.85	229.96		265.99	276.11	264.31	248.44	5.13

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			16.85	12.63	12.87	17.56	11.69	21.78	21.78	15.31	11.51
Short Term Investments ₹			13.71	3.75	21.88	14.69	12.93	7.49	7.49	12.15	14.84
Long term investments ₹			601.37	692.9	938.51	1 267.95	1 596.41			1019.43	21.56
Total Receivables ₹	1.65	2.31	2.01	2.76	7.49	10.1	9.88	15.19	15.19	9.08	40.65
Total Current Assets ₹	33.2	39.18	48.28	47.05	60.21	68.86	70.62		70.62	59.00	7.90
Чистые активы, млрд ₹	3.11	2.89	2.9	2.95	2.99	3.12	3.82		3.82	3.16	5.67
Активы, млрд ₹			1 300.16	1 322.24	1 796.41	2 307.34	2 478.72	3 026.87	3 026.87	2186.32	18.01
Long Term Debt ₹					6	6	9.5	9.5	9.5	7.75	12.17
Задолженность, млрд ₹			1 243.73	1 254.17	1 710.01	2 151.21	2 348.79	2 880.21	2 880.21	2068.88	18.09
Чистый долг, млрд ₹						2.93			2.93	2.93	0.00
Долг, млрд ₹					6				9.5	6.00	0.00
Interest income ₹			59.9	72.14	83.08	102.65	135.27			90.61	17.69
Расходы на обслуживание долга ₹			0.139	0.1706	0.4545	0.9209	1.13	1.12	1.12	0.7592	45.70
Чист. проц. доходы, млрд ₹			-0.139	-0.1706	-0.4545	-0.9209	-1.13	166.54	135.27	32.77	-496.19
Goodwill ₹						56.14				56.14	0.00

	2019Q4	2020Q1	2020Q2	2020Q3	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹					4.59	17.56	6.57	11.69		10.86	21.78	5.8	11.34	-2.46
Short Term Investments ₹						14.69		12.93			7.49		11.70	-20.11
Long term investments ₹					1 080.93	1 267.95	1 434.22	1 596.41		1 861.2			1448.14	11.48
Total Receivables ₹		2.65				10.1		9.88			15.19		9.46	54.73
Total Current Assets ₹		47.18		42.15				70.62	55.45				53.85	4.12
Чистые активы, млрд ₹	3.4	2.95	3.3	3.28	88.9	156.13	123.47	3.82	3.93				75.25	-46.41
Активы, млрд ₹					1 977.2	2 307.34	2 322.28	2 478.72		2 883.46	3 026.87	3 200.49	2782.36	6.63
Long Term Debt ₹					6	6	9.5	9.5		9.5	9.5	9.5	9.50	0.00
Задолженность, млрд ₹					1 888.3	2 151.21	2 198.8	2 348.79		2 741.65	2 880.21	3 046.99	2643.29	6.74
Чистый долг, млрд ₹					1.41		2.93					3.7	2.68	37.93
Goodwill ₹						56.14							56.14	0.00

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			6.33	6.43	6.74	6.28	6.37	7.32		7.32	6.63	2.63
Цена акции ао	386.1	387.55	625.9	676.3	648.8	566.45	647.05	616.9	668.5	668.5	629.54	0.60
Число акций ао, млн			2017.38	2020	2020	2112.62	2149.4	2150.4		2150.4	2090.48	1.26
FCF/акцию			48.69	36.36	47.71	27.86	31.62	49.23		49.23	38.56	6.25

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 quarters average	CAGR 5
EPS		2.47	1.56	1.55	1.47	1.68	1.94	1.76	1.71	1.91	2.23		1.91	2.83
Цена акции ао	687.45	586.1	567.75	552.36	553.58	528.11	567.54	647.85	645.13			668.5	611.43	4.83

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	22.65	19.06	15.75	10.94	9.57	11.38		11.38	13.90	13.34	-9.80
ROA, %	0.9829	0.9812	0.7575	0.6467	0.5718	0.5718		0.5718	2.81	0.7058	-10.24
ROS, %	3.33	4.52	1.9	1.97	1.95	1.55	1.55	1.55	59.51	1.78	-3.99
ROCE, %	27.15	21.74	19.38	0.6939	0.6031		9.86	9.86	2.58	10.46	-14.63
Ebit margin, %		5.15	2.33	2.3	2.06		1.42	1.42		2.65	-22.71
Рентаб EBITDA, %							1.58	1.58	10.51	1.58	0.00
Чистая рентаб, %	3.33	4.52	1.9	1.97	1.95	1.55		1.55	59.51	2.38	-19.27
Operation Margin, %					0	0	0	0	13.65

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	3.1		3.24		2.66		3.32		5.41	4.41	3.93	13.90	3.95	8.12
ROA, %	0.1395		0.2194		0.1417		0.2921		0.2549	0.1393	0.1538	2.81	0.1964	1.65
ROS, %		1.92	2.89	4.92	1.43	1.61	1.74	1.78	1.36	1.47	1.78	59.51	1.63	0.46
ROCE, %							0.224					2.58	0.2240	0.00
Ebit margin, %								1.7					1.70	0.00
Чистая рентаб, %		1.92	2.89	4.92	1.43	1.61	1.74	1.78	1.36	1.47	1.78	59.51	1.63	0.46

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	59.75	65.7	102.59	81.58	77.37	85.26		85.26	29.43	82.50	5.35
P/BV	13.53	12.52	16.16	6.93	8.15	9.15		9.15	3.11	10.58	-6.08
P/S	1.99	2.97	1.94	1.61	1.51	1.32		1.32	12.16	1.87	-14.97
P/FCF					19.72	12.66	12.66	12.66	5.80	15.01	-13.73
E/P					0.0102	0.0117	0.0117	0.0117	0.10	0.0112	4.68
EV/EBIT						92.69	92.69	92.69		92.69	0.00
EV/S					1.91	1.32	1.32	1.32	8.38	1.52	-11.59
EV/FCF						12.66	12.66	12.66	-6.20	12.66	0.00
Debt/EBITDA					0.5912	0.5912	0.5912	0.5912	1.02	0.5912	0.00
Netdebt/Ebitda					0.1825	0.1825	0.1825	0.1825	0.86	0.1825	0.00
Debt/Ratio					0.0038	0.0031	0.0031	0.0031	0.24	0.0033	-6.56
Debt/Equity					0.0731	2.48	2.48	2.48	238.79	1.68	223.73
Debt/Net Income					0.6944	0.6035	0.6035	0.6035	12.31	0.6338	-4.57
peg							78.65	78.65		78.65	0.00
Бета				0	0.1594	1.79	1.04	1.04	1.47	0.9965	86.86
Индекс Альтмана				0	27.54	1.67	1.67	1.67	1.07	10.29	-60.71

	2021Q3	2022Q1	2022Q3	2023Q1	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	534.84	139.13	98.5	153.19	188.54	117.58	99.09		29.43	131.38	0.12
P/BV	16.6	7.08	9.07	8.15	9.7	9.15	8.12		3.11	8.84	-2.19
P/S	7.16	2.83	1.78	2.41	2.88	1.77	1.52		12.16	2.07	-3.11
EV/S							4.64		8.38	4.64	0.00
Бета								1.04	1.47	1.04	0.00
Индекс Альтмана								1.67	1.07	1.67	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.2	2.73	3.29		4.48	3.99	4.77		4.77		3.85	11.81
Дивиденд	1.36	1.63	1.63		2.02	1.7	1.9	2	2		1.85	4.18
Див доход, ао, %	0.3617	0.3499	0.3438	0.3458	0.2918	0.6154	0.5392	0.6609	0.6609	1.41	0.4906	13.83
Дивиденды / прибыль, %	24.78	24.68	25.73		32.96	33.8	29.18	30.31	30.31	17.81	30.40	3.33

	2017Q4	2019Q1	2021Q2	2022Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	1.36	1.63	2.02	1.7	1.9		1.72	6.92
Див доход, ао, %	0.3617	0.4373	0.2955	0.2994	0.3348	1.41	0.3457	-1.53

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	31517	32448	1.47

	CAGR 5

	CAGR 5