HDFC Life's Q4FY25 Quarter Results
- 18 Apr 2025
Result Summary
- HDFC Life reported a 63.4% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 29.8%.
- Its expenses for the quarter were up by 62.6% QoQ and 27.5% YoY.
- The net profit decreased 2.3% QoQ and increased 13.7% YoY.
- The earnings per share (EPS) of HDFC Life stood at 1.9 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 28215.61 | 17270.97 | 21739.51 | 63.4% | 29.8% |
Total Expenses | 27792.59 | 17090.44 | 21798.91 | 62.6% | 27.5% |
Profit Before Tax | 419.75 | 127.00 | -58.04 | 230.5% | -823.2% |
Tax | 38.03 | -2.58 | 162.61 | -1574.0% | -76.6% |
Profit After Tax | 411.64 | 421.31 | 361.97 | -2.3% | 13.7% |
Earnings Per Share | 1.90 | 2.00 | 1.70 | -5.0% | 11.8% |
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, commonly referred to as HDFC Life, is a leading life insurance provider in India. It is a joint venture between HDFC Ltd., one of India's leading housing finance institutions, and Standard Life Aberdeen, a global investment company. HDFC Life offers a wide range of insurance products including life insurance plans, pension plans, savings and investment plans, health plans, and more. These products are designed to meet the needs of individuals and groups and are distributed through a multi-channel network consisting of direct sales, agency channels, bancassurance partners, and online platforms. The company is known for its strong financial performance and customer-centric approach. As of now, no recent major developments are available in the provided data.
Revenue
In the fourth quarter of the fiscal year 2025 (Q4FY25), HDFC Life reported total income of ₹28,215.61 crores, marking a significant quarter-over-quarter (QoQ) increase of 63.4% from ₹17,270.97 crores in Q3FY25. Compared to the same quarter in the previous year (Q4FY24), total income increased by 29.8% from ₹21,739.51 crores. This growth indicates a strong performance in revenue generation over the past year. The year-over-year (YoY) increase in total income reflects robust operational execution and potentially increased demand or sales of the company's insurance products.
Profitability
HDFC Life's profitability metrics reflect a complex picture. The company achieved a profit before tax (PBT) of ₹419.75 crores in Q4FY25, which is a significant turnaround from a PBT of -₹58.04 crores in Q4FY24, representing a YoY change of -823.2%. On a QoQ basis, PBT increased by 230.5% from ₹127.00 crores in Q3FY25. Profit after tax (PAT) for Q4FY25 was ₹411.64 crores, a slight decrease of 2.3% QoQ from ₹421.31 crores in Q3FY25, but an increase of 13.7% YoY from ₹361.97 crores in Q4FY24. The earnings per share (EPS) for Q4FY25 stood at ₹1.90, compared to ₹2.00 in Q3FY25, indicating a QoQ reduction of 5.0%. However, YoY, the EPS increased by 11.8% from ₹1.70 in Q4FY24.
Operating Metrics
In terms of operating expenses, the total expenses for Q4FY25 were ₹27,792.59 crores, which represents a 62.6% QoQ increase from ₹17,090.44 crores in Q3FY25. On a YoY basis, total expenses increased by 27.5% from ₹21,798.91 crores in Q4FY24. The tax paid in Q4FY25 was ₹38.03 crores, a notable change from a tax credit of -₹2.58 crores in Q3FY25, and a significant reduction from ₹162.61 crores paid in Q4FY24. These financial metrics reflect the company's operational adjustments and tax strategies over the periods in question. The significant QoQ and YoY changes in total expenses and tax indicate adjustments in operational cost structures and tax liabilities, which are important aspects of the company's financial management.
