Sangam Finserv Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	166.64	175.29	174.3	162.59	152.66
Total Interest Expense	33.22	23.22	34.77	39.58	38.95
Net Interest Income	133.42	152.08	139.53	123.01	113.72
Commissions and Fees	16.84	10.7	9.36	0.77	-
Gain (Loss) on Sale of Investments	-28.58	-15.84	2	1.58	-
Other Revenue	1.36	-	0.12	0.1	0.09
Revenue Before Loan Losses	123.04	146.93	151.01	125.46	113.81
Revenue	123.04	146.93	151.01	125.46	113.81
Revenue Growth (YoY)	-16.26%	-2.70%	20.37%	10.24%	-8.27%
Salaries & Employee Benefits	26.82	20.09	18.4	12.21	2.68
Cost of Services Provided	-	3.09	2.17	1.04	0.87
Other Operating Expenses	45.23	29.97	22.11	17.74	6.81
Total Operating Expenses	73.48	54.9	45.05	33.5	11.37
Operating Income	49.56	92.03	105.96	91.96	102.44
Pretax Income	49.56	92.03	105.96	91.96	102.43
Income Tax Expense	16.99	26.06	26.93	27.53	26.89
Net Income	32.58	65.97	79.04	64.43	75.55
Net Income to Common	32.58	65.97	79.04	64.43	75.55
Net Income Growth	-50.62%	-16.53%	22.68%	-14.72%	27.45%
Shares Outstanding (Basic)	47	47	47	47	47
Shares Outstanding (Diluted)	47	47	47	47	47
Shares Change (YoY)	-0.16%	-	-	-	-
EPS (Basic)	0.70	1.42	1.70	1.38	1.62
EPS (Diluted)	0.70	1.42	1.70	1.38	1.62
EPS Growth	-50.54%	-16.53%	22.68%	-14.72%	27.45%
Free Cash Flow	151.22	287.93	103.13	204.01	241.31
Free Cash Flow Per Share	3.25	6.18	2.21	4.38	5.18
Operating Margin	40.28%	62.64%	70.17%	73.30%	90.01%
Profit Margin	26.48%	44.90%	52.34%	51.35%	66.38%
Free Cash Flow Margin	122.90%	195.96%	68.29%	162.62%	212.03%
Effective Tax Rate	34.27%	28.32%	25.41%	29.94%	26.25%
Revenue as Reported	156.26	170.15	185.78	165.04	152.75