Baid Finserv Limited (BOM:511724)

Baid Finserv 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	745.02	671.81	563.47	512.72	496.01	533.03
Total Interest Expense	289.57	277.23	223.08	173.51	191.39	234.55
Net Interest Income	455.45	394.57	340.39	339.21	304.62	298.48
Commissions and Fees	23.34	25.48	19.69	7.44	2.6	1.32
Other Revenue	142.36	122.14	53.92	17.5	0.68	0.54
Revenue Before Loan Losses	621.15	542.19	414	364.14	307.89	300.34
Provision for Loan Losses	15.13	14.38	13.94	54.44	43.71	33.03
Revenue	606.02	527.81	400.06	309.7	264.18	267.3
Revenue Growth (YoY)	41.53%	31.93%	29.18%	17.23%	-1.17%	-16.54%
Salaries & Employee Benefits	98.47	94.82	68.06	54.71	49.44	54.54
Cost of Services Provided	187.91	162.73	97.69	69.78	44.08	69.67
Other Operating Expenses	85.01	85.91	42.08	51.53	47.25	41.44
Total Operating Expenses	380.73	352.08	220.11	179.29	143.63	168.54
Operating Income	225.29	175.73	179.95	130.41	120.55	98.76
EBT Excluding Unusual Items	223.76	176.84	180.47	131.21	121.01	98.76
Pretax Income	228.28	181.36	180.97	139.9	121.53	102.89
Income Tax Expense	58.92	46.91	51.73	36.11	33.65	28.1
Net Income	169.36	134.46	129.24	103.79	87.87	74.8
Net Income to Common	169.36	134.46	129.24	103.79	87.87	74.8
Net Income Growth	72.35%	4.04%	24.52%	18.12%	17.48%	-1.68%
Shares Outstanding (Basic)	120	120	120	107	120	120
Shares Outstanding (Diluted)	120	120	120	107	120	120
Shares Change (YoY)	-0.33%	-	12.68%	-11.23%	-	0.00%
EPS (Basic)	1.41	1.12	1.08	0.97	0.73	0.62
EPS (Diluted)	1.41	1.12	1.08	0.97	0.73	0.62
EPS Growth	72.92%	4.04%	10.94%	32.54%	17.48%	-1.68%
Free Cash Flow	-50.43	3.33	-249.62	52.27	337.02	501.89
Free Cash Flow Per Share	-0.42	0.03	-2.08	0.49	2.81	4.18
Dividend Per Share	-	0.100	0.100	0.100	0.100	0.050
Dividend Growth	-	-	-	-	100.00%	-
Operating Margin	37.18%	33.29%	44.98%	42.11%	45.63%	36.95%
Profit Margin	27.95%	25.47%	32.30%	33.51%	33.26%	27.98%
Free Cash Flow Margin	-8.32%	0.63%	-62.40%	16.88%	127.57%	187.76%
Effective Tax Rate	25.81%	25.86%	28.59%	25.81%	27.69%	27.31%
Revenue as Reported	913.77	825.46	663.58	557.35	500.53	541.09

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.