United Credit Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	25.27	23.74	22.58	20.27	19.43
Total Interest Expense	0.18	0.09	0.09	0.07	-
Net Interest Income	25.09	23.65	22.49	20.2	19.43
Gain (Loss) on Sale of Investments	-	2.63	1.75	-	0.47
Other Revenue	5.79	10.74	16.71	8.96	7.71
Revenue Before Loan Losses	30.88	37.03	40.95	29.16	27.61
Provision for Loan Losses	0.04	0.03	0.03	0.02	0.01
Revenue	30.85	36.99	40.93	29.14	27.6
Revenue Growth (YoY)	-16.62%	-9.61%	40.47%	5.57%	1.78%
Salaries & Employee Benefits	7.41	8.11	7.4	7.39	6.88
Cost of Services Provided	-	4.37	4.42	4.9	3.15
Other Operating Expenses	11.24	11.14	7.67	7.64	4.61
Total Operating Expenses	19.97	24.31	20.17	20.49	14.83
Operating Income	10.88	12.68	20.76	8.65	12.77
EBT Excluding Unusual Items	10.88	12.78	20.76	8.65	12.77
Gain (Loss) on Sale of Investments	-	-	-	-	-0
Other Unusual Items	-	-	-	0.02	0.03
Pretax Income	10.88	12.97	20.77	8.67	12.79
Income Tax Expense	2.32	2.83	4.41	1.43	5.25
Net Income	8.57	10.14	16.36	7.24	7.54
Net Income to Common	8.57	10.14	16.36	7.24	7.54
Net Income Growth	-15.50%	-38.01%	125.85%	-3.96%	-13.70%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change (YoY)	-0.13%	-	-	-0.00%	-
EPS (Basic)	1.61	1.90	3.07	1.36	1.42
EPS (Diluted)	1.61	1.90	3.07	1.36	1.42
EPS Growth	-15.26%	-38.11%	125.85%	-3.96%	-13.70%
Free Cash Flow	-5.35	-5.95	4.99	0.91	4.07
Free Cash Flow Per Share	-1.01	-1.12	0.94	0.17	0.76
Operating Margin	35.28%	34.28%	50.72%	29.69%	46.26%
Profit Margin	27.77%	27.41%	39.96%	24.86%	27.32%
Free Cash Flow Margin	-17.36%	-16.08%	12.20%	3.11%	14.74%
Effective Tax Rate	21.27%	21.81%	21.24%	16.46%	41.04%
Revenue as Reported	32.3	37.44	41.05	29.25	28.66