Arman Financial Services 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	5,680	6,189	5,931	3,867	2,206	1,856
Total Interest Expense	1,920	2,208	2,476	1,608	845.05	738.73
Net Interest Income	3,759	3,981	3,455	2,259	1,361	1,118
Commissions and Fees	263.77	256.07	233.03	164.01	69.83	50.64
Gain (Loss) on Sale of Investments	800.05	855.63	450.72	207.8	74.56	36.57
Other Revenue	-0	-	0.71	0.03	-	6.76
Revenue Before Loan Losses	4,823	5,092	4,140	2,631	1,505	1,212
Provision for Loan Losses	2,697	2,641	650.94	447.32	373.32	545.92
Revenue	2,126	2,451	3,489	2,184	1,132	665.74
Revenue Growth (YoY)	-35.74%	-29.74%	59.77%	92.95%	69.99%	-49.62%
Salaries & Employee Benefits	1,301	1,123	715.95	546.53	418.53	355.66
Cost of Services Provided	62.03	62.03	41.71	39.8	31.75	27.67
Other Operating Expenses	619.16	556.98	435.87	336.13	216.65	156.68
Total Operating Expenses	2,000	1,760	1,208	934	676.45	548.11
Operating Income	125.38	690.92	2,281	1,250	455.24	117.64
EBT Excluding Unusual Items	125.38	690.92	2,281	1,250	455.24	117.64
Pretax Income	125.38	690.92	2,281	1,250	455.18	117.64
Income Tax Expense	136.24	170.19	545.17	311.42	137.95	11.48
Net Income	-10.86	520.73	1,736	938.11	317.23	106.16
Net Income to Common	-10.86	520.73	1,736	938.11	317.23	106.16
Net Income Growth	-	-70.00%	85.02%	195.72%	198.82%	-74.43%
Shares Outstanding (Basic)	10	10	9	8	8	8
Shares Outstanding (Diluted)	10	11	9	9	8	8
Shares Change (YoY)	6.05%	17.40%	2.18%	3.77%	0.21%	13.37%
EPS (Basic)	-1.03	49.67	195.00	110.47	37.36	12.53
EPS (Diluted)	-1.03	49.26	192.76	107.28	37.35	12.53
EPS Growth	-	-74.44%	79.67%	187.24%	198.09%	-77.44%
Free Cash Flow	3,092	4,674	-3,048	-7,200	-2,816	54.7
Free Cash Flow Per Share	294.69	442.18	-338.47	-817.02	-331.54	6.45
Operating Margin	5.90%	28.19%	65.38%	57.23%	40.23%	17.67%
Profit Margin	-0.51%	21.24%	49.75%	42.96%	28.03%	15.95%
Free Cash Flow Margin	145.46%	190.70%	-87.36%	-329.75%	-248.81%	8.22%
Effective Tax Rate	108.66%	24.63%	23.90%	24.92%	30.31%	9.75%
Revenue as Reported	6,743	7,300	6,615	4,239	2,350	1,950

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