Shalibhadra Finance 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	Sep '25 Sep 30, 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	364.94	348.64	325.66	273.97	220.5	206.14
Total Interest Expense	40.5	52.8	65	71.62	68.8	83
Net Interest Income	324.44	295.84	260.66	202.35	151.7	123.14
Gain (Loss) on Sale of Investments	14.3	14.3	-	-	-	-
Other Revenue	1.86	1.86	2.01	3.16	2.6	2.85
Revenue Before Loan Losses	342	312	262.7	205.57	154.3	125.99
Provision for Loan Losses	14.37	14.37	11.84	9.15	6.8	5.53
Revenue	327.63	297.63	250.86	196.43	147.5	120.46
Revenue Growth (YoY)	21.05%	18.64%	27.71%	33.17%	22.45%	-15.35%
Salaries & Employee Benefits	43.2	40.8	38.4	31.66	28.8	25.83
Cost of Services Provided	1.59	3.39	2.33	1.09	0.8	1.17
Other Operating Expenses	34.71	34.71	32.87	32.65	23.4	21.85
Total Operating Expenses	92.33	91.53	89.96	83.45	66	70.67
Operating Income	235.3	206.1	160.9	112.98	81.5	49.79
EBT Excluding Unusual Items	235.3	206.1	161	113.02	81.5	52.53
Gain (Loss) on Sale of Investments	-	-	-	-	-	-2.62
Pretax Income	235.3	206.1	161	113.02	81.5	49.9
Income Tax Expense	50.6	46.1	41.3	29.21	21.3	14.76
Net Income	184.7	160	119.7	83.81	60.2	35.15
Preferred Dividends & Other Adjustments	-	-	-	-	2.5	-
Net Income to Common	184.7	160	119.7	83.81	57.7	35.15
Net Income Growth	38.66%	33.67%	42.82%	39.22%	71.28%	-39.47%
Shares Outstanding (Basic)	32	31	28	25	20	20
Shares Outstanding (Diluted)	32	31	28	25	20	20
Shares Change (YoY)	9.40%	10.00%	12.90%	23.92%	-	-
EPS (Basic)	5.73	5.19	4.28	3.38	2.88	1.76
EPS (Diluted)	4.90	4.32	4.28	3.38	2.88	1.76
EPS Growth	8.30%	1.11%	26.50%	17.21%	64.17%	-39.47%
Free Cash Flow	-324.9	-278.6	24.09	-48.12	18.3	71.84
Free Cash Flow Per Share	-10.08	-9.05	0.86	-1.94	0.91	3.59
Dividend Per Share	-	0.400	0.300	0.250	0.200	0.125
Dividend Growth	-	33.33%	20.00%	25.00%	60.00%	-
Operating Margin	71.82%	69.25%	64.14%	57.52%	55.25%	41.33%
Profit Margin	56.38%	53.76%	47.72%	42.67%	39.12%	29.18%
Free Cash Flow Margin	-99.17%	-93.61%	9.60%	-24.50%	12.41%	59.64%
Effective Tax Rate	21.50%	22.37%	25.65%	25.85%	26.14%	29.57%
Revenue as Reported	382.6	364.9	327.8	277.2	223.1	211.72

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