Arman Financial Services 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	5,772	6,189	5,931	3,867	2,206
Total Interest Expense	2,054	2,208	2,476	1,608	845.05
Net Interest Income	3,718	3,981	3,455	2,259	1,361
Commissions and Fees	319.63	256.07	233.03	164.01	69.83
Gain (Loss) on Sale of Investments	366.99	855.63	450.72	207.8	74.56
Other Revenue	0.01	-	0.71	0.03	-
Revenue Before Loan Losses	4,404	5,092	4,140	2,631	1,505
Provision for Loan Losses	-	2,641	650.94	447.32	373.32
Revenue	4,404	2,451	3,489	2,184	1,132
Revenue Growth (YoY)	79.69%	-29.74%	59.77%	92.95%	69.99%
Salaries & Employee Benefits	1,503	1,123	715.95	546.53	418.53
Cost of Services Provided	-	62.03	41.71	39.8	31.75
Other Operating Expenses	628.87	556.98	435.87	336.13	216.65
Total Operating Expenses	2,148	1,760	1,208	934	676.45
Operating Income	2,256	690.91	2,281	1,250	455.24
EBT Excluding Unusual Items	2,256	690.91	2,281	1,250	455.24
Pretax Income	773.58	690.92	2,281	1,250	455.18
Income Tax Expense	207.53	170.19	545.17	311.42	137.95
Net Income	566.05	520.73	1,736	938.11	317.23
Net Income to Common	566.05	520.73	1,736	938.11	317.23
Net Income Growth	8.70%	-70.00%	85.02%	195.72%	198.82%
Shares Outstanding (Basic)	10	10	9	8	8
Shares Outstanding (Diluted)	11	11	9	9	8
Shares Change (YoY)	-0.04%	17.40%	2.18%	3.77%	0.21%
EPS (Basic)	53.91	49.67	195.00	110.47	37.36
EPS (Diluted)	53.57	49.26	192.76	107.28	37.35
EPS Growth	8.75%	-74.44%	79.67%	187.24%	198.09%
Free Cash Flow	-4,795	4,674	-3,048	-7,200	-2,816
Free Cash Flow Per Share	-453.80	442.18	-338.47	-817.02	-331.54
Operating Margin	51.22%	28.19%	65.38%	57.23%	40.23%
Profit Margin	12.85%	21.24%	49.75%	42.96%	28.03%
Free Cash Flow Margin	-108.87%	190.70%	-87.36%	-329.75%	-248.81%
Effective Tax Rate	26.83%	24.63%	23.90%	24.92%	30.31%
Revenue as Reported	6,459	7,300	6,615	4,239	2,350

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