Sangam Finserv 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	167.32	175.29	174.3	162.59	152.66	218.56
Total Interest Expense	24.54	23.22	34.77	39.58	38.95	94.57
Net Interest Income	142.78	152.08	139.53	123.01	113.72	123.99
Commissions and Fees	15.75	10.7	9.36	0.77	-	-
Gain (Loss) on Sale of Investments	-15.84	-15.84	2	1.58	-	-
Other Revenue	7.96	-	0.12	0.1	0.09	0.08
Revenue Before Loan Losses	150.64	146.93	151.01	125.46	113.81	124.07
Revenue	150.64	146.93	151.01	125.46	113.81	124.07
Revenue Growth (YoY)	-16.43%	-2.70%	20.37%	10.24%	-8.27%	-3.67%
Salaries & Employee Benefits	25.66	20.09	18.4	12.21	2.68	2.9
Cost of Services Provided	3.09	3.09	2.17	1.04	0.87	0.82
Other Operating Expenses	42.09	29.97	22.11	17.74	6.81	9.4
Total Operating Expenses	72.35	54.9	45.05	33.5	11.37	13.11
Operating Income	78.29	92.03	105.96	91.96	102.44	110.96
Pretax Income	78.29	92.03	105.96	91.96	102.43	110.95
Income Tax Expense	21.04	26.06	26.93	27.53	26.89	51.68
Net Income	57.25	65.97	79.04	64.43	75.55	59.28
Net Income to Common	57.25	65.97	79.04	64.43	75.55	59.28
Net Income Growth	-53.47%	-16.53%	22.68%	-14.72%	27.45%	-34.59%
Shares Outstanding (Basic)	47	47	47	47	47	47
Shares Outstanding (Diluted)	47	47	47	47	47	47
EPS (Basic)	1.23	1.42	1.70	1.38	1.62	1.27
EPS (Diluted)	1.23	1.42	1.70	1.38	1.62	1.27
EPS Growth	-44.76%	-16.53%	22.68%	-14.72%	27.45%	-34.59%
Free Cash Flow	-	287.93	103.13	204.01	241.31	-14.73
Free Cash Flow Per Share	-	6.18	2.21	4.38	5.18	-0.32
Operating Margin	51.97%	62.64%	70.17%	73.30%	90.01%	89.43%
Profit Margin	38.01%	44.90%	52.34%	51.35%	66.38%	47.78%
Free Cash Flow Margin	-	195.96%	68.29%	162.62%	212.03%	-11.87%
Effective Tax Rate	26.87%	28.32%	25.41%	29.94%	26.25%	46.58%
Revenue as Reported	175.18	170.15	185.78	165.04	152.75	218.72

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