Sangam Finserv Limited (BOM:538714)

Sangam Finserv Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	171.04	175.29	174.3	162.59	152.66	218.56
Total Interest Expense	23.47	23.22	34.77	39.58	38.95	94.57
Net Interest Income	147.57	152.08	139.53	123.01	113.72	123.99
Commissions and Fees	14.21	10.7	9.36	0.77	-	-
Gain (Loss) on Sale of Investments	-15.84	-15.84	2	1.58	-	-
Other Revenue	30.82	-	0.12	0.1	0.09	0.08
Revenue Before Loan Losses	176.75	146.93	151.01	125.46	113.81	124.07
Revenue	176.75	146.93	151.01	125.46	113.81	124.07
Revenue Growth (YoY)	14.70%	-2.70%	20.37%	10.24%	-8.27%	-3.67%
Salaries & Employee Benefits	24.07	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	42.6	29.97	22.11	17.74	6.81	9.4
Total Operating Expenses	71.34	54.9	45.05	33.5	11.37	13.11
Operating Income	105.41	92.03	105.96	91.96	102.44	110.96
Pretax Income	105.42	92.03	105.96	91.96	102.43	110.95
Income Tax Expense	24.78	26.06	26.93	27.53	26.89	51.68
Net Income	80.64	65.97	79.04	64.43	75.55	59.28
Net Income to Common	80.64	65.97	79.04	64.43	75.55	59.28
Net Income Growth	-25.62%	-16.53%	22.68%	-14.72%	27.45%	-34.59%
Shares Outstanding (Basic)	46	47	47	47	47	47
Shares Outstanding (Diluted)	46	47	47	47	47	47
EPS (Basic)	1.73	1.42	1.70	1.38	1.62	1.27
EPS (Diluted)	1.73	1.42	1.70	1.38	1.62	1.27
EPS Growth	-25.87%	-16.53%	22.68%	-14.72%	27.45%	-34.59%
Free Cash Flow	393.29	287.93	103.13	204.01	241.31	-14.73
Free Cash Flow Per Share	8.46	6.18	2.21	4.38	5.18	-0.32
Operating Margin	59.64%	62.64%	70.17%	73.30%	90.01%	89.43%
Profit Margin	45.62%	44.90%	52.34%	51.35%	66.38%	47.78%
Free Cash Flow Margin	222.50%	195.96%	68.29%	162.62%	212.03%	-11.87%
Effective Tax Rate	23.50%	28.32%	25.41%	29.94%	26.25%	46.58%
Revenue as Reported	200.22	170.15	185.78	165.04	152.75	218.72

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