Paragon 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	Dec '25 Dec 31, 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	13.15	15.03	14.19	15.58	23.47	22.26
Total Interest Expense	0.01	0	0.33	0.28	0.24	0.59
Net Interest Income	13.14	15.03	13.86	15.31	23.24	21.67
Gain (Loss) on Sale of Investments	6.95	6.95	21.19	1.5	3.17	8.22
Other Revenue	9.31	5.12	-	0.41	2.4	0.31
Revenue Before Loan Losses	29.4	27.09	35.05	17.22	28.8	30.2
Provision for Loan Losses	-1.38	-0.95	0.82	-2.92	1.42	3.43
Revenue	30.78	28.04	34.23	20.15	27.38	26.77
Revenue Growth (YoY)	13.08%	-18.09%	69.92%	-26.43%	2.29%	-35.68%
Salaries & Employee Benefits	14.74	16.42	17.58	16.29	16.33	12.74
Cost of Services Provided	0.84	0.84	0.54	0.49	0.15	0.19
Other Operating Expenses	7.84	5.04	5.12	3.02	1.73	9.85
Total Operating Expenses	25.25	22.71	24.34	21.3	19.06	23.34
Operating Income	5.53	5.32	9.89	-1.15	8.32	3.43
EBT Excluding Unusual Items	38.75	5.37	10.42	-1.15	8.32	3.48
Pretax Income	38.75	5.37	10.42	-0.96	8.87	3.6
Income Tax Expense	9.27	2.22	1.83	0.34	2.08	0.64
Net Income	29.48	3.15	8.59	-1.3	6.79	2.97
Net Income to Common	29.48	3.15	8.59	-1.3	6.79	2.97
Net Income Growth	86.84%	-63.38%	-	-	129.06%	-81.19%
Shares Outstanding (Basic)	4	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4	4
EPS (Basic)	6.94	0.74	2.02	-0.31	1.60	0.70
EPS (Diluted)	6.94	0.74	2.02	-0.31	1.60	0.70
EPS Growth	87.13%	-63.37%	-	-	129.06%	-81.19%
Free Cash Flow	-	12.23	-54.25	49.37	18.45	45.4
Free Cash Flow Per Share	-	2.88	-12.76	11.62	4.34	10.68
Operating Margin	17.97%	18.99%	28.90%	-5.72%	30.39%	12.82%
Profit Margin	95.77%	11.22%	25.09%	-6.45%	24.81%	11.08%
Free Cash Flow Margin	-	43.60%	-158.47%	245.07%	67.39%	169.61%
Effective Tax Rate	23.92%	41.40%	17.58%	-	23.43%	17.66%
Revenue as Reported	63.47	27.99	36.32	18.26	30.54	31.12

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