HDFC Life Insurance's Q1 FY2025-26 Quarterly Results
- 2d ago
Result Summary
- HDFC Life Insurance reported a 5.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 9.6%.
- Its expenses for the quarter were up by 5.5% QoQ and 11.4% YoY.
- The net profit increased 33.2% QoQ and increased 14.5% YoY.
- The earnings per share (EPS) of HDFC Life Insurance stood at 2.5 during Q1 FY2025-26.
Financial Statments for Q1FY26
| (₹ crores) | Q1FY26 | Q4FY25 | Q1FY25 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 29627.66 | 28215.61 | 27023.49 | 5.0% | 9.6% |
Total Expenses | 29313.17 | 27792.59 | 26323.05 | 5.5% | 11.4% |
Profit Before Tax | 320.89 | 419.75 | 697.05 | -23.6% | -54.0% |
Tax | 55.45 | 38.03 | -78.19 | 45.8% | -170.9% |
Profit After Tax | 548.35 | 411.64 | 478.97 | 33.2% | 14.5% |
Earnings Per Share | 2.50 | 1.90 | 2.20 | 31.6% | 13.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
HDFC Life Insurance Company Limited, often referred to simply as HDFC Life, is one of India's leading life insurance companies. It offers a wide range of insurance products including protection, pension, savings, investment, annuity, and health plans. As a significant player in the insurance industry, HDFC Life has established a strong presence across India through a diversified network of branches and partnerships. The company is known for its innovative product offerings and customer-centric services. While specific recent developments are not provided in this analysis, HDFC Life typically focuses on enhancing customer experience and expanding its digital footprint in the insurance market.
HDFC Life Insurance Revenue
In the first quarter of the fiscal year 2026 (Q1 FY2025-26), HDFC Life Insurance reported a total income of ₹29,627.66 crores. This marks an increase from both the previous quarter (Q4FY25) and the same quarter in the previous year (Q1FY25), with respective figures of ₹28,215.61 crores and ₹27,023.49 crores. The quarter-over-quarter (QoQ) growth is 5.0%, while the year-over-year (YoY) growth is 9.6%. These figures reflect a positive trend in revenue generation over the periods reviewed. The upward trajectory in total income suggests consistent revenue performance over both the short and longer term.
HDFC Life Insurance Profitability
During Q1 FY 2025-26, HDFC Life Insurance achieved a Profit Before Tax (PBT) of ₹320.89 crores, which is a decrease from ₹419.75 crores reported in Q4FY25 and ₹697.05 crores in Q1FY25. This results in a QoQ decline of 23.6% and a YoY decline of 54.0%. The corresponding tax expenses for Q1 FY2025-26 were ₹55.45 crores, which is an increase from the previous quarter's ₹38.03 crores and a notable contrast to a negative tax figure in Q1FY25. Despite the decrease in PBT, the Profit After Tax (PAT) for Q1 FY2025-26 was ₹548.35 crores, an increase from ₹411.64 crores in Q4FY25 and ₹478.97 crores in Q1FY25, representing QoQ growth of 33.2% and YoY growth of 14.5%. Earnings Per Share (EPS) also increased to ₹2.50, compared to ₹1.90 in the previous quarter and ₹2.20 in the same quarter last year, indicating a QoQ rise of 31.6% and a YoY increase of 13.6%.
HDFC Life Insurance Operating Metrics
The financial data indicates that total expenses for HDFC Life in Q1 FY 2025-26 amounted to ₹29,313.17 crores. This represents an increase from ₹27,792.59 crores in Q4FY25 and ₹26,323.05 crores in Q1FY25, showing a QoQ rise of 5.5% and a YoY rise of 11.4%. The company's financial performance reflects a pattern of increasing expenses alongside rising income, which is typical in the insurance industry as operational costs align with business growth. The data does not provide specific operating ratios such as the P/E ratio, debt-to-equity ratio, or current ratio, which are essential for a comprehensive analysis of operational efficiency and financial health. However, the present figures highlight the company's ability to manage its operational costs relative to its revenue growth.