KIFS 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	288.57	291.19	466.39	307.2	327.13	209.24
Total Interest Expense	201.94	212.22	351.84	207.56	231.48	154.61
Net Interest Income	86.63	78.97	114.54	99.64	95.65	54.64
Commissions and Fees	-	-	-	-	-	0.08
Other Revenue	40	40	-	-	-	-
Revenue Before Loan Losses	126.63	118.97	114.54	99.64	95.65	54.71
Provision for Loan Losses	-1.3	-1.3	-1.51	0.52	3.22	-0.98
Revenue	127.94	120.27	116.05	99.13	92.43	55.7
Revenue Growth (YoY)	0.66%	3.64%	17.07%	7.24%	65.96%	-8.06%
Salaries & Employee Benefits	4.68	4.15	4.77	4.41	3.71	3.38
Cost of Services Provided	0.19	0.07	0.29	0.12	0.52	0.14
Other Operating Expenses	3.39	3.42	8.65	3.96	2.18	2.17
Total Operating Expenses	11.48	12.3	18.79	13.51	10.21	5.95
Operating Income	116.46	107.97	97.26	85.62	82.22	49.75
EBT Excluding Unusual Items	116.86	108.38	97.38	85.91	82.22	50.19
Pretax Income	116.86	108.38	97.38	85.91	82.22	50.25
Income Tax Expense	29.63	27.72	26.22	21.95	20.96	12.38
Net Income	87.23	80.65	71.16	63.96	61.26	37.87
Net Income to Common	87.23	80.65	71.16	63.96	61.26	37.87
Net Income Growth	22.41%	13.34%	11.26%	4.41%	61.76%	-3.85%
Shares Outstanding (Basic)	11	11	11	11	11	11
Shares Outstanding (Diluted)	11	11	11	11	11	11
EPS (Basic)	8.07	7.46	6.58	5.91	5.66	3.50
EPS (Diluted)	8.07	7.46	6.58	5.91	5.66	3.50
EPS Growth	22.43%	13.34%	11.30%	4.42%	61.71%	-3.85%
Free Cash Flow	-215.54	1,476	483.85	-79.87	-281.33	314.22
Free Cash Flow Per Share	-19.93	136.44	44.73	-7.38	-26.01	29.05
Dividend Per Share	1.500	1.500	1.400	1.350	1.350	1.250
Dividend Growth	7.14%	7.14%	3.70%	-	8.00%	-
Operating Margin	91.03%	89.78%	83.81%	86.37%	88.95%	89.32%
Profit Margin	68.18%	67.06%	61.32%	64.53%	66.28%	68.00%
Free Cash Flow Margin	-168.47%	1227.26%	416.93%	-80.57%	-304.37%	564.17%
Effective Tax Rate	25.36%	25.58%	26.93%	25.55%	25.49%	24.63%
Revenue as Reported	328.98	331.59	466.51	307.5	327.13	210.36

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