Baid Finserv Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	759.12	671.81	563.47	512.72	496.01	533.03
Total Interest Expense	298.83	277.23	223.08	173.51	191.39	234.55
Net Interest Income	460.29	394.57	340.39	339.21	304.62	298.48
Commissions and Fees	22.59	25.48	19.69	7.44	2.6	1.32
Other Revenue	161.89	122.14	53.92	17.5	0.68	0.54
Revenue Before Loan Losses	644.76	542.19	414	364.14	307.89	300.34
Provision for Loan Losses	25.62	14.38	13.94	54.44	43.71	33.03
Revenue	619.15	527.81	400.06	309.7	264.18	267.3
Revenue Growth (YoY)	36.74%	31.93%	29.18%	17.23%	-1.17%	-16.54%
Salaries & Employee Benefits	96.83	94.82	68.06	54.71	49.44	54.54
Cost of Services Provided	205.95	162.73	97.69	69.78	44.08	69.67
Other Operating Expenses	82.22	85.91	42.08	51.53	47.25	41.44
Total Operating Expenses	395.15	352.08	220.11	179.29	143.63	168.54
Operating Income	224	175.73	179.95	130.41	120.55	98.76
EBT Excluding Unusual Items	225.11	176.84	180.47	131.21	121.01	98.76
Pretax Income	229.63	181.36	180.97	139.9	121.53	102.89
Income Tax Expense	60.07	46.91	51.73	36.11	33.65	28.1
Net Income	169.56	134.46	129.24	103.79	87.87	74.8
Net Income to Common	169.56	134.46	129.24	103.79	87.87	74.8
Net Income Growth	54.81%	4.04%	24.52%	18.12%	17.48%	-1.68%
Shares Outstanding (Basic)	123	120	120	107	120	120
Shares Outstanding (Diluted)	123	120	120	107	120	120
Shares Change (YoY)	2.73%	-	12.68%	-11.23%	-	0.00%
EPS (Basic)	1.38	1.12	1.08	0.97	0.73	0.62
EPS (Diluted)	1.38	1.12	1.08	0.97	0.73	0.62
EPS Growth	50.71%	4.04%	10.94%	32.54%	17.48%	-1.68%
Free Cash Flow	-	3.33	-249.62	52.27	337.02	501.89
Free Cash Flow Per Share	-	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	36.18%	33.29%	44.98%	42.11%	45.63%	36.95%
Profit Margin	27.39%	25.47%	32.30%	33.51%	33.26%	27.98%
Free Cash Flow Margin	-	0.63%	-62.40%	16.88%	127.57%	187.76%
Effective Tax Rate	26.16%	25.86%	28.59%	25.81%	27.69%	27.31%
Revenue as Reported	957.5	825.46	663.58	557.35	500.53	541.09

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.