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HDFC Life Insurance (HDFCLIFE) | Financial Analysis & Statements

HDFC Life Insurance Company Limited | Large-cap | Financial Services

₹764.75

0.42%

HDFC Life Insurance vs Life Insurance HDFC Life Insurance vs SBI Life Insurance HDFC Life Insurance vs ICICI Prudential HDFC Life Insurance vs Max Financial HDFC Life Insurance vs Niva Bupa Health HDFC Life Insurance vs NIFTY 50 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 294.7B

Net Income 5.5B 1.86%

EPS (Diluted) ₹2.54

Balance Sheet Metrics

Total Assets 3.7T

Total Liabilities 3.5T

Shareholders Equity 170.1B

Debt to Equity 20.52

Cash Flow Metrics

Revenue & Profitability Trend

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This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

HDFC Life Insurance Income Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Revenue i	900.7B	1.0T	702.5B	674.4B	717.8B
Cost of Goods Sold i	-	-	-	-	-
Gross Profit i	-	-	-	-	-
Gross Margin % i	0.0%	0.0%	0.0%	0.0%	0.0%
Operating Expenses
Research & Development i	-	-	-	-	-
Selling, General & Administrative i	18.1B	28.2B	46.9B	31.9B	24.5B
Other Operating Expenses i	-71.1B	-5.2B	-445.0M	3.4B	6.1B
Total Operating Expenses i	-53.0B	23.1B	46.5B	35.3B	30.6B
Operating Income i	-	-	-	-	-
Operating Margin % i	0.0%	0.0%	0.0%	0.0%	0.0%
Non-Operating Items
Interest Income i	-	-	-	-	-
Interest Expense i	1.4B	1.1B	1.1B	920.9M	717.8M
Other Non-Operating Income	98.1M	297.4M	332.4M	278.4M	282.8M
Pre-tax Income i	18.8B	15.7B	12.8B	13.0B	13.5B
Income Tax i	671.2M	-44.2M	-860.7M	-241.8M	-65.9M
Effective Tax Rate % i	3.6%	-0.3%	-6.7%	-1.9%	-0.5%
Net Income i	18.1B	15.7B	13.7B	13.3B	13.6B
Net Margin % i	2.0%	1.5%	1.9%	2.0%	1.9%
Key Metrics
EBITDA i	-	-	-	-	-
EPS (Basic) i	₹8.41	₹7.32	₹6.41	₹6.49	₹6.74
EPS (Diluted) i	₹8.41	₹7.31	₹6.41	₹6.48	₹6.73
Basic Shares Outstanding i	2151936684	2150125365	2133253038	2044716919	2017924622
Diluted Shares Outstanding i	2151936684	2150125365	2133253038	2044716919	2017924622

Income Statement Trend

HDFC Life Insurance Balance Sheet From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Assets
Current Assets
Cash & Equivalents i	22.8B	21.8B	19.0B	17.6B	12.9B
Short-term Investments i	53.4B	7.5B	18.6B	14.7B	21.9B
Accounts Receivable i	15.6B	15.2B	9.9B	10.1B	7.5B
Inventory i	-	-	-	-	-
Other Current Assets	-	-	-	-	-
Total Current Assets i	-	-	-	-	-
Non-Current Assets
Property, Plant & Equipment i	469.2M	399.5M	309.8M	225.2M	195.4M
Goodwill i	540.3M	761.5M	579.8M	112.9B	422.0M
Intangible Assets i	540.3M	761.5M	579.8M	581.7M	422.0M
Long-term Investments	15.4B	9.7B	0	0	0
Other Non-Current Assets	-	-	-	-	-
Total Non-Current Assets i	-	-	-	-	-
Total Assets i	3.5T	-	-	-	-
Liabilities
Current Liabilities
Accounts Payable i	13.6B	16.3B	15.6B	22.0B	25.6B
Short-term Debt i	-	-	-	-	-
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	-	-	-	-	-
Total Current Liabilities i	-	-	-	-	-
Non-Current Liabilities
Long-term Debt i	29.5B	9.5B	9.5B	6.0B	6.0B
Deferred Tax Liabilities i	33.2M	415.1M	255.8M	292.8M	292.8M
Other Non-Current Liabilities	-	-	-	-	-
Total Non-Current Liabilities i	-	-	-	-	-
Total Liabilities i	3.3T	-	-	-	-
Equity
Common Stock i	21.5B	21.5B	21.5B	21.1B	20.2B
Retained Earnings i	96.2B	82.4B	70.8B	68.4B	59.2B
Treasury Stock i	-	-	-	-	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	161.5B	146.7B	129.9B	156.1B	86.4B
Key Metrics
Total Debt i	29.5B	9.5B	9.5B	6.0B	6.0B
Working Capital i	0	0	0	0	0

Balance Sheet Composition

HDFC Life Insurance Cash Flow Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Operating Activities
Net Income i	-	-	-	-	-
Depreciation & Amortization i	-	-	-	-	-
Stock-Based Compensation i	-	-	-	-	-
Working Capital Changes i	0	0	0	0	0
Operating Cash Flow i	-	-	-	-	-
Investing Activities
Capital Expenditures i	-3.0B	-1.3B	-859.1M	-555.5M	-602.7M
Acquisitions i	0	0	0	-6.3B	0
Investment Purchases i	-1.2T	-1.3T	-1.1T	-1.0T	-940.5B
Investment Sales i	922.1B	978.5B	891.2B	933.8B	769.5B
Investing Cash Flow i	-131.6B	-133.0B	-97.7B	-5.6B	-88.2B
Financing Activities
Share Repurchases i	-	-	-	-	-
Dividends Paid i	-	-4.8B	-4.0B	-4.5B	-
Debt Issuance i	20.0B	0	3.5B	0	6.0B
Debt Repayment i	0	0	0	0	0
Financing Cash Flow i	21.1B	-4.0B	19.8B	-2.4B	6.8B
Free Cash Flow i	153.0B	105.9B	68.0B	58.9B	96.4B
Net Change in Cash i	-110.5B	-137.1B	-77.9B	-8.0B	-81.4B

Cash Flow Trend

HDFC Life Insurance Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 86.93

Forward P/E 120.88

Price to Book 9.65

Price to Sales 1.65

PEG Ratio 120.88

Profitability Ratios

Profit Margin 1.89%

Operating Margin 2.04%

Return on Equity 11.61%

Return on Assets 0.29%

Financial Health

Current Ratio 0.94

Debt to Equity 17.31

Beta 0.65

Per Share Data

EPS (TTM) ₹8.76

Book Value per Share ₹78.95

Revenue per Share ₹463.41

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
hdfclife	1.6T	86.93	9.65	11.61%	1.89%	17.31
Life Insurance	5.8T	11.82	5.08	37.90%	6.20%	0.00
SBI Life Insurance	1.8T	74.08	10.30	14.90%	2.05%	0.00
ICICI Prudential	872.5B	69.67	6.96	10.59%	1.78%	20.73
Max Financial	530.9B	195.32	10.15	5.11%	0.57%	22.45
Niva Bupa Health	147.6B	105.25	4.44	4.75%	2.01%	7.71

Financial data is updated regularly. All figures are in the company's reporting currency.