HDFC Life Insurance Company Limited

NSE

HDFCLIFE

Stock

Yield per half year: +19.91%
Dividend yield: 0.6612%
Sector: Financials

Reporting HDFC Life Insurance Company Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹		756.83	898.35	963.01	1 153.12	1 401.39	1 213.8	1 284.6		1 340	1203.18	5.93
Выручка, млрд ₹	181.21	307.17	323.6	383.96	287.12	717.84	674.44	702.03	1 015.94	1 015.94	679.47	28.75
Чистая прибыль, млрд ₹	8.17	8.87	11.07	12.78	12.97	13.61	13.27	13.68	15.74	15.74	13.85	3.95
EV, млрд ₹				747.4	840.55	1 419.84	1 114.98	1 063.06	1 330.35	1 330.35	1153.76	9.62
EBIT, млрд ₹	8.33	8.47	11.36	14.58	13.99	15.32	15.53	15.24	10.57	10.57	14.13	-5.45
EBITDA, млрд ₹	8.79	8.89	11.8	15.04	14.46	15.83	16.09	16	11.36	11.36	14.75	-4.71
OIBDA, млрд ₹					24.58	17.18	16.73	15.35	11.32	11.32	17.03	-14.36
Баланс стоимость, млрд ₹	31.03	38.26	47.35	56.43	68.07	86.4	156.13	129.93	146.66	146.66	117.44	16.59
FCF, млрд ₹	7.83	8.39	10.73	98.23	73.49	96.42	58.86	67.96	105.85	105.85	80.52	7.57
Операционный денежный поток, млрд ₹	8.17	8.87	11.07	98.68	73.88	97.03	59.43	68.83	107.21	107.21	81.28	7.73
Операционная прибыль, млрд ₹	8.33	8.47	11.36	14.58	13.99	15.32	13.91	13.03	15.7	15.7	14.39	2.33
Операционные расходы, млрд ₹	29.53	36.04	-312.24	-369.73	274.57	702.68	660.99	689.64	1 000.25	1 000.25	665.63	29.51
CAPEX, млрд ₹	0.3425	0.4791	0.3388	0.4513	0.3858	0.6121	0.5664	0.8757	1.36	1.36	0.7600	28.66

	2017Q4	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹	756.83	776.61				1 203.97				1 256.51			1 392.03				1 189.46				1 387.66					1285.93	2.88
Выручка, млрд ₹																230.77	195.78	208.59	234.14	231.77	269.68	280.61	269.3	285	172.47	255.41	-8.55
Чистая прибыль, млрд ₹																3.29	3.16	3.62	4.17	3.78	3.68	4.12	4.79	4.35	4.21	4.23	2.73
EV, млрд ₹														1 047.05		1 108.55		1 070.79		1 374.19	1 373.91	1 332.23	1 248.38	1 543.76	1 340.28	1367.71	-0.49
EBIT, млрд ₹															7.73	6.91	4.99	8.6	8.97	0.7296	0.0001	4.5	5.57	4.38		3.04	43.11
EBITDA, млрд ₹															3.71	3.31	3.15	2.73	4.4	3.32	-3.67	0.0001	1.56	4.4		1.12	5.79
OIBDA, млрд ₹																					-3.65	0.3834	1.77	4.43		0.7333	-204.96
Баланс стоимость, млрд ₹																123.47	178.11	129.93	129.93	136.69	141.81	146.66	153.5	156.04	158.07	151.22	2.19
FCF, млрд ₹		2.33	-0.1128	-0.1128		2.41	-0.0965	-0.0965	-0.0965		0.526			0.2264				0.4936								0.2106	-238.60
Операционный денежный поток, млрд ₹					29.51	2.51	73.78		61.33		0.526	10.44		0.2264		-11.11		0.4936		38.34						7.68	29.72
Операционная прибыль, млрд ₹																3.31	3.15	2.73	4.4	-2.59	3.69	4.5	4.99	4.38	4.52	4.42	4.14
Операционные расходы, млрд ₹																-227.47	-192.62	-205.85	230.7	23.58	265.99	276.11	264.31	280.59	167.94	250.99	-8.79
CAPEX, млрд ₹						0.0965	0.0965	0.0965	0.0965		0.6121	0.1962		0.5664		0.3223		0.8757		0.6001						0.5121	25.06

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			11.25	8.84	13.81	16.85	12.63	12.87	17.56	11.69	21.78	21.78	15.31	11.51
Short Term Investments ₹			6.06	2.33	18.2	13.71	3.75	21.88	14.69	12.93	7.49	7.49	12.15	14.84
Long term investments ₹	9.84	17.82	18.52	361.84	471.94	601.37	692.9	990.61	1 342.58	1 596.41			1044.77	21.56
Total Receivables ₹			1.37	1.65	2.31	2.01	2.87	4.67	7.46	9.88	15.19	15.19	8.01	39.55
Total Current Assets ₹			17.32	11.18	32.01	12.44	6.91	10.99	13.75	11.69	15.59	15.59	11.79	17.67
Чистые активы, млрд ₹		3.16	3.18	3.11	2.89	2.9	2.95	2.99	3.12	3.24		3.24	3.04	2.24
Активы, млрд ₹			765.44	950.97	1 104.83	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
Short Term Debt ₹						16.76	20.73	25.32	21.5	14.95	-1 766.64	-1 766.64	-336.8280	-343.28
Long Term Debt ₹								6	6	9.5	9.5	9.5	7.75	12.17
Задолженность, млрд ₹			734.41	912.7	1 057.48	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 ₹			-11.25	-8.84	-13.81	-16.85	-12.63	-6.87	-11.56	-2.19	-12.28	-12.28	-9.1060	-0.56
Долг, млрд ₹							6	31.32	27.5	24.45	9.5	9.5	19.75	9.63
Interest income ₹			44.71	42.54	49.64	59.9	72.14	83.08	102.65	135.27			90.61	17.69
Расходы на обслуживание долга ₹			0.0811	0.0908	0.1076	0.139	0.1706	0.4545	0.9209	1.13	1.12	1.12	0.7592	45.70
Чист. проц. доходы, млрд ₹				-0.0908	-0.1076	-0.139	-0.1706	-0.4545	-0.656	-1.13	166.54	135.27	32.83	-496.19
Goodwill ₹								56.14	56.14				56.14	0.00
Амортизация, млрд ₹			0.4523	0.4123	0.4471	0.4551	0.4675	0.5089	0.5627	0.7593	0.7875	0.7875	0.6172	10.99
Себестоимость, млрд ₹	149.37	246.73	151.25	270.09	276.1	328.05				-0.4356	-0.0034	-0.0034	174.76	-110.47

	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹															6.09	17.56		6.57		11.69		5.76	10.86	21.78	5.8	12.57	6.34	11.47	-10.21
Short Term Investments ₹	18.2			7.59	13.71				3.75			21.88			14.69	14.69				12.93		0.8642		7.49				10.13	-12.60
Long term investments ₹							679.46	60.4	692.9	853.97		990.61		1 080.93		1 342.58		1 434.22		1 596.41			1 861.2					1463.07	11.48
Total Receivables ₹				1.96	2.39				2.65			4.67		4.42	5.39	7.46		5.3		9.88				15.19				8.64	23.03
Total Current Assets ₹														4.38	6.09	13.75		5.08		11.69		5.76	10.86	29.27	5.8	12.57		12.85	16.89
Чистые активы, млрд ₹											3.3	2.99	3.4	2.89	2.89	3.12	3.5	3.67		3.82		3.93						3.61	4.72
Активы, млрд ₹																2 307.34	2 011.7	2 322.28		2 478.72		2 726.18	2 881.48	3 026.87	3 200.49	3 367.55	3 393.45	3173.97	3.32
Short Term Debt ₹																21.5				14.95				-1 766.64				-576.7300	-534.75
Long Term Debt ₹														6		6		9.5		9.5		9.5	9.5	9.5	9.5	9.5	19.5	11.50	15.47
Задолженность, млрд ₹																2 151.21	9.5	2 198.8		2 348.79		2 589.5	2 741.65	2 880.21	3 046.99	3 211.51	3 235.38	3023.15	3.37
Чистый долг, млрд ₹																-11.56	9.5	2.93		-2.19		3.74	-1.36	-12.28	3.7	-3.07	13.16	0.0300	-257.45
Долг, млрд ₹														6		27.5		9.5		24.45		9.5	9.5	9.5	9.5	9.5	19.5	11.50	15.47
Расходы на обслуживание долга ₹		0.0695	0.0695	0.0695	0.0695							0.2697		0.1552	0.1593		0.1517	0.2189		0.6219								0.2614	32.00
Goodwill ₹															56.14	56.14												56.14	0.00
Амортизация, млрд ₹																	-4.02	-3.6	-1.84	-5.87	-4.57	2.59	-3.67	-4.5	-4.01	0.0275		-1.9125	-59.71
Себестоимость, млрд ₹		57	61.35	80.6	102.67	71.33	72.34	102.03														-0.9584		-0.3672		-1.58		34.29	-146.54

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			5.52	6.28	6.54	6.78	6.48	6.41	7.31		7.31	6.70	2.25
Цена акции ао		386	387.15	626.05	676.5	649.55	566.25	646.7	617.05	752.85	752.85	646.48	3.00
Число акций ао, млн	1996.42	2011.74	2021.32	2024.92	2026.46	2024.12	2046.97	2133.91	2152.17		2152.17	2076.73	1.21
FCF/акцию	3.92	4.17	5.31	48.51	36.27	47.63	28.75	31.85	49.18		49.18	38.74	6.28

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS											1.55	1.75	1.7	1.94	1.76	1.71	1.91	2.23	2.02	1.96			1.97	2.77
Цена акции ао									586.08	567.78	552.33	553.45	528.15	567.63	647.99	645.23					668.4	752.85	656.42	5.81
Число акций ао, млн	2003.41	1996.42	1996.42	2011.74	2021.32	2024.92	2026.46	2024.12				2149.18				2150.66							2075.07	1.21
FCF/акцию	7.96	9.87	-0.06	-0.0421	1.15	1.19							0.2297										0.4935	-230.80

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	26.32	23.18	23.38	22.65	19.06	15.75	10.94	9.57	11.38		11.38	16.86	13.34	-9.80
ROA, %	1.07	0.9327	1	0.9829	0.9812	0.7575	0.6467	0.5718	0.5718		0.5718	4.25	0.7058	-10.24
ROIC, %					19.66	15.37	9.4	11.95			11.95	9.97	14.09	-11.70
ROS, %		2.89	3.42	3.33	4.52	1.9	1.97	1.95	1.55	1.55	1.55	55.32	1.78	-3.99
ROCE, %		22.14	23.98	25.85	20.56	17.74	0.6795	0.6186	0.3609	7.21	7.21	8.56	5.32	-16.48
Ebit margin, %					4.87	2.33	2.3	2.17	1.04	1.04	1.04		1.78	-14.90
Рентаб EBITDA, %		2.89	3.65	3.92	5.04	2.21	2.39	2.28	1.12	1.12	1.12	61.72	1.82	-12.71
Чистая рентаб, %	4.51	2.89	3.42	3.33	4.52	1.9	1.97	1.95	1.55		1.55	55.32	2.38	-19.27
Operation Margin, %		2.76	3.51	3.8	4.87	2.13	2.06	1.86	1.55	1.55	1.55	56.13	1.83	-6.16
Доходность FCF, %		1.11	1.19	10.2	6.37	6.88	4.85	5.29					6.72	-12.31

	2017Q4	2018Q4	2019Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %						2.66	1.77	2.79	3.21	2.66	2.64	3.01	3.38	2.96	2.78		16.86	2.95	1.04
ROA, %				0.2194	0.1634	0.1417		0.146		0.2775	0.1311	0.1393	0.1538	0.1325	0.1246		4.25	0.1363	-1.01
ROS, %							1.61	1.74	1.78	1.63	1.36	1.47	1.78	1.53	2.44	1.55	55.32	1.75	1.07
ROCE, %				7.63	0.3861	5.59		6.62		0.0285	0	0.1604	0.1934	0.1442		7.21	8.56	1.55	202.43
Ebit margin, %										0.3148	3.7E-5	1.6	2.07	1.54		1.04		1.25	675.83
Рентаб EBITDA, %						1.43	1.61	1.31	1.88	1.43	-1.36	3.6E-5	0.5807	1.55		1.12	61.72	0.3781	-196.19
Чистая рентаб, %						1.43	1.61	1.74	1.78	1.63	1.36	1.47	1.78	1.53	2.44		55.32	1.72	12.40
Operation Margin, %							1.61	1.31	1.88	-1.12	1.37	1.6	1.85	1.54	2.62	1.55	56.13	1.83	-0.63
Доходность FCF, %	-0.0112	0.3004	0.2005															0.1632	-361.60

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	85.33	81.14	75.36	88.88	102.98	84.9	77.85	85.3		85.3	36.28	87.98	-0.82
P/BV	19.78	18.97	17.07	16.94	16.22	7.22	8.2	9.15		9.15	3.47	11.55	-11.59
P/S	2.46	2.78	2.51	4.02	1.95	1.67	1.52	1.32		1.32	11.12	2.10	-19.97
P/FCF	90.21	83.7	9.8	15.69	14.53	20.62	18.9	12.66	12.66	12.66	9.16	15.87	-2.72
E/P	0.0117	0.0123	0.0133	0.0113	0.0097	0.0109	0.0107	0.0117	0.0117	0.0117	0.14	0.0109	3.82
EV/EBIT				60.08	80.73	71.8	69.77	125.83	125.83	125.83		94.79	9.28
EV/EBITDA		76.71	55.35	61.01	89.68	69.29	66.46	117.1		117.1	38.04	80.71	13.93
EV/S				2.93	1.98	1.65	1.51	1.31	1.31	1.31	13.61	1.55	-7.93
EV/FCF				11.44	14.73	18.94	15.64	12.57	12.57	12.57	11.74	14.89	-3.12
Debt/EBITDA				0.4537	1.98	1.71	1.53	0.8362	0.8362	0.8362	17.17	1.38	-15.84
Netdebt/Ebitda	-0.9953	-1.17	-1.12	-0.8734	-0.4342	-0.7187	-0.1366	-1.08	-1.08	-1.08	-0.25	-0.6899	19.99
Debt/Ratio				0.0157	0.0174	0.0119	0.0099	0.0031	0.0031	0.0031	0.30	0.0091	-29.18
Debt/Equity				0.3045	0.3625	0.1761	0.1881	0.0648	19.64	19.64	3.05	4.09	122.21
Debt/Net Income				1.6	2.3	2.07	1.79	0.6035	0.6035	0.6035	13.96	1.47	-23.48
PEG									79.77	79.77		79.77	0.00
Бета						0.69	0.1652	1.76	3.32	3.32	1.20	1.48	48.11
Индекс Альтмана	1.11	1.19	1.13	1.17	1.11	0.7905	0.0406	0.7315	0.7323	0.7323	1.01	0.6810	-7.98

	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E									74.72	376.51	79.75	98.04	93.03	90.2	85.22	76.15	91.23	76.03			36.28	83.77	-3.36
P/BV							6.78		8.95	6.68	8.26		10.03	9.84	9.17	8.11	9.91	8.4			3.47	9.09	-3.11
P/S									1.75	6.08	1.52	1.6	1.57	1.46	1.32	1.19	1.4	1.32			11.12	1.34	-2.00
P/FCF	-8936.22	332.89	498.65																	12.66	9.16	-2023.0050	-119.40
E/P	0.0037	0.0031	0.0021	0.0021		0.002				0.0027				0.0026						0.0117	0.14	0.0042	40.99
EV/EBIT													1883.44	13739104	296.27	224.06	352.69			125.83		2748020.57	-90.17
EV/EBITDA					131.33		80.37		78.54		82.97		100.99	202.51	328.9	1026.88	671.67				38.04	466.19	46.07
EV/S													5.93	5.09	4.75	4.64	5.42	7.77		1.31	13.61	4.78	-22.71
EV/FCF																				12.57	11.74	12.57	0.00
Debt/EBITDA					2.16		4.59		2.87		8.94		2.86	-2.59	95000.95	6.07	2.16			0.8362	17.17	19001.49	-179.76
Netdebt/Ebitda							-1.93	2.56	0.8872		-0.7994		1.13	0.3693	-122828.3	2.37	-0.6966			-1.08	-0.25	-24565.4675	-223.94
Debt/Ratio							0.0119				0.0099		0.0035	0.0033	0.0031	0.003	0.0028	0.0057		0.0031	0.30	0.0035	0.00
Debt/Equity							0.1761				0.1881		0.0695	0.067	0.0648	0.0619	0.0609	0.1234		19.64	3.05	3.99	213.55
Debt/Net Income							5.43				6.75		2.51	2.58	2.31	1.98	2.18	4.63		0.6035	13.96	2.34	-23.54
PEG																				79.77		79.77	0.00
Бета																			1.05	3.32	1.20	2.19	77.82
Индекс Альтмана	0.7498			1.37		-18.41													0.7315	0.7323	1.01	-2.9653	-0.47

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.68	2.16	2.64	3.29	3.96	4.48	4.48	3.99	4.77			4.77		4.34	3.79
Дивиденд			1.36	1.63	1.63		2.02	1.7	1.9	2		2		1.85	4.18
Див доход, ао, %			0.3615	0.3511	0.3427	0.3452	0.2918	0.6146	0.5396	0.6612		0.6612	1.35	0.4905	13.88
Дивиденды / прибыль, %		26.46	29.82	29.7	31.02	34.57	32.96	33.8	29.18	30.31		30.31	18.71	32.16	-2.60
Dividend Coverage Ratio											3.3	3.3		3.30	0.00

	2014Q4	2015Q1	2015Q4	2016Q1	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2019Q1	2021Q2	2022Q2	2023Q2	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.6982	0.6982	0.8977	0.8977	2.2	2.73	1.37	1.37	1.37	1.37							1.64	-12.88
Дивиденд									1.36		1.63	2.02	1.7	1.9			1.72	6.92
Див доход, ао, %									0.3615		0.4371	0.2955	0.2994	0.3347		1.35	0.3456	-1.53
Дивиденды / прибыль, %	42.17	42.17	44.65	44.65	121.65	112.98	43.25	57.32	49.03	49.03						18.71	62.32	-15.38
Dividend Coverage Ratio															3.3		3.30	0.00

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.1344	0.0853	0.084	0.1247	0.1338	0.1338	-0.09
Персонал, чел			24 910	22 059	32 448		9.21

	CAGR 5

	CAGR 5