Sahara Housingfina Corporation Limited (BOM:511533)

BOM:511533 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	77.59	85.81	105.77	111.4	123.44	126.44
Total Interest Expense	19.58	26.64	36.67	45.14	48.67	52.27
Net Interest Income	58.02	59.17	69.11	66.25	74.77	74.17
Gain (Loss) on Sale of Investments	-	-	0.02	0.05	0.03	0.1
Other Revenue	0.5	0.48	0.48	0.58	3.24	7.63
Revenue Before Loan Losses	58.52	59.65	69.6	66.88	78.03	81.9
Provision for Loan Losses	0.33	-1.39	-0.07	-4.25	6.96	5.64
Revenue	58.19	61.03	69.67	71.13	71.08	76.26
Revenue Growth (YoY)	-9.75%	-12.39%	-2.06%	0.08%	-6.79%	-4.77%
Salaries & Employee Benefits	28.85	29.43	30.06	29.86	29.92	30.38
Cost of Services Provided	4.31	4.31	3.89	3.7	3.36	2.88
Other Operating Expenses	15.55	15.44	12.78	11.82	10.6	10.57
Total Operating Expenses	52.46	53.03	51.17	50.26	48.78	49.04
Operating Income	5.73	8	18.5	20.87	22.29	27.22
EBT Excluding Unusual Items	5.73	8	18.5	20.87	21.8	25.74
Other Unusual Items	-	-	-	-	-	0.02
Pretax Income	5.73	8	18.5	20.87	21.8	25.76
Income Tax Expense	0.83	1.52	4.45	6.71	3.95	4.83
Net Income	4.9	6.48	14.05	14.16	17.85	20.93
Net Income to Common	4.9	6.48	14.05	14.16	17.85	20.93
Net Income Growth	-51.36%	-53.83%	-0.81%	-20.67%	-14.70%	0.75%
Shares Outstanding (Basic)	7	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7	7
EPS (Basic)	0.71	0.93	2.01	2.02	2.55	2.99
EPS (Diluted)	0.71	0.93	2.01	2.02	2.55	2.99
EPS Growth	-50.71%	-53.83%	-0.81%	-20.67%	-14.70%	0.75%
Free Cash Flow	114.28	240.53	37.47	101.26	29.55	68.52
Free Cash Flow Per Share	16.51	34.36	5.35	14.47	4.22	9.79
Operating Margin	9.84%	13.11%	26.55%	29.34%	31.36%	35.69%
Profit Margin	8.41%	10.62%	20.16%	19.91%	25.11%	27.44%
Free Cash Flow Margin	196.39%	394.09%	53.78%	142.36%	41.58%	89.85%
Effective Tax Rate	14.51%	18.98%	24.06%	32.15%	18.13%	18.77%
Revenue as Reported	78.09	86.28	106.27	112.03	126.7	134.19

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.