United Credit 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	24.49	23.74	22.58	20.27	19.43	19.5
Total Interest Expense	0.11	0.09	0.09	0.07	-	-
Net Interest Income	24.38	23.65	22.49	20.2	19.43	19.5
Gain (Loss) on Sale of Investments	2.63	2.63	1.75	-	0.47	-
Other Revenue	7.63	10.74	16.71	8.96	7.71	7.62
Revenue Before Loan Losses	34.64	37.03	40.95	29.16	27.61	27.12
Provision for Loan Losses	0.04	0.03	0.03	0.02	0.01	0.01
Revenue	34.6	36.99	40.93	29.14	27.6	27.12
Revenue Growth (YoY)	-6.73%	-9.61%	40.47%	5.57%	1.78%	-8.32%
Salaries & Employee Benefits	7.78	8.11	7.4	7.39	6.88	7.31
Cost of Services Provided	4.37	4.37	4.42	4.9	3.15	-
Other Operating Expenses	11.62	11.14	7.67	7.64	4.61	7.57
Total Operating Expenses	24.69	24.31	20.17	20.49	14.83	15.15
Operating Income	9.91	12.68	20.76	8.65	12.77	11.97
EBT Excluding Unusual Items	10.01	12.78	20.76	8.65	12.77	11.97
Gain (Loss) on Sale of Investments	-	-	-	-	-0	-
Other Unusual Items	-	-	-	0.02	0.03	-
Pretax Income	10.2	12.97	20.77	8.67	12.79	11.97
Income Tax Expense	2.18	2.83	4.41	1.43	5.25	3.24
Net Income	8.02	10.14	16.36	7.24	7.54	8.74
Net Income to Common	8.02	10.14	16.36	7.24	7.54	8.74
Net Income Growth	-55.81%	-38.01%	125.85%	-3.96%	-13.70%	-2.37%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	-0.14%	-	-	-0.00%	-	0.00%
EPS (Basic)	1.50	1.90	3.07	1.36	1.42	1.64
EPS (Diluted)	1.50	1.90	3.07	1.36	1.42	1.64
EPS Growth	-55.83%	-38.11%	125.85%	-3.96%	-13.70%	-2.37%
Free Cash Flow	-8.31	-5.95	4.99	0.91	4.07	9.32
Free Cash Flow Per Share	-1.56	-1.12	0.94	0.17	0.76	1.75
Operating Margin	28.65%	34.28%	50.72%	29.69%	46.26%	44.13%
Profit Margin	23.17%	27.41%	39.96%	24.86%	27.32%	32.23%
Free Cash Flow Margin	-24.02%	-16.08%	12.20%	3.11%	14.74%	34.38%
Effective Tax Rate	21.37%	21.81%	21.24%	16.46%	41.04%	27.02%
Revenue as Reported	33.13	37.44	41.05	29.25	28.66	27.8

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