Sahara Housingfina Corporation Limited (BOM:511533)

BOM:511533 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	85.81	105.77	111.4	123.44	126.44
Total Interest Expense	26.68	36.67	45.14	48.67	52.27
Net Interest Income	59.13	69.11	66.25	74.77	74.17
Gain (Loss) on Sale of Investments	-	0.02	0.05	0.03	0.1
Other Revenue	0.48	0.48	0.58	3.24	7.63
Revenue Before Loan Losses	59.6	69.6	66.88	78.03	81.9
Provision for Loan Losses	-1.39	-0.07	-4.25	6.96	5.64
Revenue	60.99	69.67	71.13	71.08	76.26
Revenue Growth (YoY)	-12.46%	-2.06%	0.08%	-6.79%	-4.77%
Salaries & Employee Benefits	29.43	30.06	29.86	29.92	30.38
Cost of Services Provided	-	3.89	3.7	3.36	2.88
Other Operating Expenses	19.71	12.78	11.82	10.6	10.57
Total Operating Expenses	52.99	51.17	50.26	48.78	49.04
Operating Income	8	18.5	20.87	22.29	27.22
EBT Excluding Unusual Items	8	18.5	20.87	21.8	25.74
Other Unusual Items	-	-	-	-	0.02
Pretax Income	8	18.5	20.87	21.8	25.76
Income Tax Expense	1.52	4.45	6.71	3.95	4.83
Net Income	6.48	14.05	14.16	17.85	20.93
Net Income to Common	6.48	14.05	14.16	17.85	20.93
Net Income Growth	-53.83%	-0.81%	-20.67%	-14.70%	0.75%
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7
Shares Change (YoY)	-0.40%	-	-	-	-
EPS (Basic)	0.93	2.01	2.02	2.55	2.99
EPS (Diluted)	0.93	2.01	2.02	2.55	2.99
EPS Growth	-53.65%	-0.81%	-20.67%	-14.70%	0.75%
Free Cash Flow	240.53	37.47	101.26	29.55	68.52
Free Cash Flow Per Share	34.50	5.35	14.47	4.22	9.79
Operating Margin	13.12%	26.55%	29.34%	31.36%	35.69%
Profit Margin	10.63%	20.16%	19.91%	25.11%	27.44%
Free Cash Flow Margin	394.38%	53.78%	142.36%	41.58%	89.85%
Effective Tax Rate	18.98%	24.06%	32.15%	18.13%	18.77%
Revenue as Reported	86.28	106.27	112.03	126.7	134.19

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