Paragon Finance Limited (BOM:531255)

Paragon Finance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	15.03	14.19	15.58	23.47	22.26
Total Interest Expense	0	0.33	0.28	0.24	0.59
Net Interest Income	15.03	13.86	15.31	23.24	21.67
Gain (Loss) on Sale of Investments	-	21.19	1.5	3.17	8.22
Other Revenue	6.95	-	0.41	2.4	0.31
Revenue Before Loan Losses	21.97	35.05	17.22	28.8	30.2
Provision for Loan Losses	-0.95	0.82	-2.92	1.42	3.43
Revenue	22.92	34.23	20.15	27.38	26.77
Revenue Growth (YoY)	-33.04%	69.92%	-26.43%	2.29%	-35.68%
Salaries & Employee Benefits	16.42	17.58	16.29	16.33	12.74
Cost of Services Provided	-	0.54	0.49	0.15	0.19
Other Operating Expenses	0.72	5.12	3.02	1.73	9.85
Total Operating Expenses	17.55	24.34	21.3	19.06	23.34
Operating Income	5.37	9.89	-1.15	8.32	3.43
EBT Excluding Unusual Items	5.37	10.42	-1.15	8.32	3.48
Pretax Income	5.37	10.42	-0.96	8.87	3.6
Income Tax Expense	2.22	1.83	0.34	2.08	0.64
Net Income	3.15	8.59	-1.3	6.79	2.97
Net Income to Common	3.15	8.59	-1.3	6.79	2.97
Net Income Growth	-63.38%	-	-	129.06%	-81.19%
Shares Outstanding (Basic)	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4
Shares Change (YoY)	0.03%	-	-	-	-
EPS (Basic)	0.74	2.02	-0.31	1.60	0.70
EPS (Diluted)	0.74	2.02	-0.31	1.60	0.70
EPS Growth	-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	23.43%	28.90%	-5.72%	30.39%	12.82%
Profit Margin	13.73%	25.09%	-6.45%	24.81%	11.08%
Free Cash Flow Margin	53.34%	-158.47%	245.07%	67.39%	169.61%
Effective Tax Rate	41.40%	17.58%	-	23.43%	17.66%
Revenue as Reported	27.99	36.32	18.26	30.54	31.12

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