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	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	306.15	291.19	466.39	307.2	327.13	209.24
Total Interest Expense	212.32	212.22	351.84	207.56	231.48	154.61
Net Interest Income	93.83	78.97	114.54	99.64	95.65	54.64
Commissions and Fees	-	-	-	-	-	0.08
Other Revenue	40	40	-	-	-	-
Revenue Before Loan Losses	133.83	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	135.13	120.27	116.05	99.13	92.43	55.7
Revenue Growth (YoY)	12.06%	3.64%	17.07%	7.24%	65.96%	-8.06%
Salaries & Employee Benefits	4.99	4.15	4.77	4.41	3.71	3.38
Cost of Services Provided	0.16	0.07	0.29	0.12	0.52	0.14
Other Operating Expenses	3.44	3.42	8.65	3.96	2.18	2.17
Total Operating Expenses	10.76	12.3	18.79	13.51	10.21	5.95
Operating Income	124.37	107.97	97.26	85.62	82.22	49.75
EBT Excluding Unusual Items	124.78	108.38	97.38	85.91	82.22	50.19
Pretax Income	124.78	108.38	97.38	85.91	82.22	50.25
Income Tax Expense	32.12	27.72	26.22	21.95	20.96	12.38
Net Income	92.66	80.65	71.16	63.96	61.26	37.87
Net Income to Common	92.66	80.65	71.16	63.96	61.26	37.87
Net Income Growth	24.60%	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)	8.56	7.46	6.58	5.91	5.66	3.50
EPS (Diluted)	8.56	7.46	6.58	5.91	5.66	3.50
EPS Growth	24.51%	13.34%	11.30%	4.42%	61.71%	-3.85%
Free Cash Flow	-	1,476	483.85	-79.87	-281.33	314.22
Free Cash Flow Per Share	-	136.44	44.73	-7.38	-26.01	29.05
Dividend Per Share	-	1.500	1.400	1.350	1.350	1.250
Dividend Growth	-	7.14%	3.70%	-	8.00%	-
Operating Margin	92.04%	89.78%	83.81%	86.37%	88.95%	89.32%
Profit Margin	68.57%	67.06%	61.32%	64.53%	66.28%	68.00%
Free Cash Flow Margin	-	1227.26%	416.93%	-80.57%	-304.37%	564.17%
Effective Tax Rate	25.75%	25.58%	26.93%	25.55%	25.49%	24.63%
Revenue as Reported	346.56	331.59	466.51	307.5	327.13	210.36

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