HDFC Life Insurance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Strong year-on-year growth in premium income, reflecting increasing customer trust and market penetration.
Improved expense ratio, showcasing better cost management and operational efficiency compared to previous quarters.
Higher net profit margin in the latest quarter indicates enhanced profitability and effective financial management.

NEGATIVES

Slight decline in new policy sales could signal a potential slowdown in market demand.
Increased claims ratio impacting profitability suggests rising risk factors in the insurance sector.
Volatility in investment income reflects market uncertainties, potentially affecting future earnings stability.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	11,507.90	14,797.20	15,273.25	20,533.71	12,548.42	16,613.72	16,831.84	23,842.99	14,539.42	18,871.23
Expenses	23,045.40	23,557	26,663.32	27,777.37	26,622.71	28,806.63	16,852.24	23,813.78	29,023.86	20,336.02
Operating Profit	-11,537.50	-8,759.80	-11,390.07	-7,243.66	-14,074.29	-12,192.91	-20.40	29.21	-14,484.44	-1,464.79
Other Income	11,977.40	8,480.52	11,757.10	7,693.33	14,475.07	12,162.71	439.13	471.22	15,088.24	1,936.27
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	439.86	-279.27	367.03	449.67	400.78	-30.20	418.73	500.43	603.80	471.48
Tax	23.15	-657.47	-0.51	38.03	-78.19	-465.38	-2.58	25.07	55.45	23.19
Net Profit	416.71	378.20	367.54	411.64	478.97	435.18	421.31	475.36	548.35	448.29
Eps in Rs	1.94	1.76	1.71	1.91	2.23	2.02	1.96	2.21	2.55	2.08