Baid Finserv Limited (BOM:511724)

Baid Finserv 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	671.81	563.47	512.72	496.01	533.03
Total Interest Expense	293.41	223.08	173.51	191.39	234.55
Net Interest Income	378.4	340.39	339.21	304.62	298.48
Commissions and Fees	25.48	19.69	7.44	2.6	1.32
Other Revenue	122.14	53.92	17.5	0.68	0.54
Revenue Before Loan Losses	526.02	414	364.14	307.89	300.34
Provision for Loan Losses	15.71	21.39	54.44	43.71	33.03
Revenue	510.31	392.61	309.7	264.18	267.3
Revenue Growth (YoY)	29.98%	26.77%	17.23%	-1.17%	-16.54%
Salaries & Employee Benefits	94.82	68.06	54.71	49.44	54.54
Cost of Services Provided	151.77	97.69	69.78	44.08	69.67
Other Operating Expenses	75.05	42.08	51.53	47.25	41.44
Total Operating Expenses	328.94	212.66	179.29	143.63	168.54
Operating Income	181.37	179.95	130.41	120.55	98.76
EBT Excluding Unusual Items	181.37	180.47	131.21	121.01	98.76
Pretax Income	181.37	180.97	139.9	121.53	102.89
Income Tax Expense	46.91	51.73	36.11	33.65	28.1
Net Income	134.46	129.24	103.79	87.87	74.8
Net Income to Common	134.46	129.24	103.79	87.87	74.8
Net Income Growth	4.04%	24.52%	18.12%	17.48%	-1.68%
Shares Outstanding (Basic)	120	120	107	120	120
Shares Outstanding (Diluted)	120	120	107	120	120
Shares Change (YoY)	-0.01%	12.65%	-11.23%	-	0.00%
EPS (Basic)	1.12	1.08	0.97	0.73	0.62
EPS (Diluted)	1.12	1.08	0.97	0.73	0.62
EPS Growth	4.05%	10.97%	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	0.050
Dividend Growth	-	-	-	100.00%	-
Operating Margin	35.54%	45.83%	42.11%	45.63%	36.95%
Profit Margin	26.35%	32.92%	33.51%	33.26%	27.98%
Free Cash Flow Margin	0.65%	-63.58%	16.88%	127.57%	187.76%
Effective Tax Rate	25.86%	28.59%	25.81%	27.69%	27.31%
Revenue as Reported	825.46	663.58	557.35	500.53	541.09

Updated Feb 11, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.