Star Housing Finance 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	900.23	794.34	539.54	323.49	179.74	155.3
Total Interest Expense	531.5	462.73	277.56	113.04	60.99	46.69
Net Interest Income	368.74	331.61	261.98	210.45	118.75	108.61
Commissions and Fees	15.96	22.75	19	10.64	2.42	-
Gain (Loss) on Sale of Investments	72.49	87.69	9.76	2.99	0.73	-0.86
Other Revenue	10.61	7.95	6.3	1.5	1.12	-
Revenue Before Loan Losses	467.79	449.99	297.03	225.58	123.02	107.75
Provision for Loan Losses	45.55	51.25	18.03	6.27	5.1	19.53
Revenue	422.24	398.75	279.01	219.31	117.92	88.23
Revenue Growth (YoY)	9.17%	42.92%	27.22%	85.98%	33.66%	-14.09%
Salaries & Employee Benefits	190.79	185.75	132.05	95.03	74.5	39.73
Cost of Services Provided	27.85	27.85	15.4	9.33	7.32	2
Other Operating Expenses	104.87	36.38	10.17	31.25	21.6	23.19
Total Operating Expenses	336.75	258.14	164.3	139.15	106.14	66.38
Operating Income	85.49	140.61	114.71	80.16	11.78	21.84
EBT Excluding Unusual Items	85.49	140.61	114.71	80.16	13.19	21.84
Pretax Income	86.76	141.88	114.71	80.16	13.19	21.84
Income Tax Expense	20.3	30.89	25.88	10.36	6.97	6.28
Net Income	66.46	110.99	88.83	69.8	6.22	15.57
Net Income to Common	66.46	110.99	88.83	69.8	6.22	15.57
Net Income Growth	-38.80%	24.94%	27.27%	1021.81%	-60.03%	-69.12%
Shares Outstanding (Basic)	80	79	78	72	64	63
Shares Outstanding (Diluted)	80	79	80	75	64	63
Shares Change (YoY)	-2.00%	-1.58%	6.80%	17.35%	2.13%	14.65%
EPS (Basic)	0.84	1.41	1.14	0.97	0.10	0.25
EPS (Diluted)	0.83	1.40	1.11	0.93	0.10	0.25
EPS Growth	-38.09%	26.13%	19.36%	857.04%	-60.74%	-73.15%
Free Cash Flow	-	-652.52	-1,309	-1,135	-66.37	-95.19
Free Cash Flow Per Share	-	-8.26	-16.31	-15.11	-1.04	-1.52
Dividend Per Share	-	0.100	0.075	0.050	0.050	-
Dividend Growth	-	33.33%	50.00%	-	-	-
Operating Margin	20.25%	35.26%	41.11%	36.55%	9.99%	24.76%
Profit Margin	15.74%	27.83%	31.84%	31.83%	5.28%	17.64%
Free Cash Flow Margin	-	-163.64%	-469.02%	-517.50%	-56.28%	-107.89%
Effective Tax Rate	23.40%	21.77%	22.56%	12.93%	52.83%	28.74%
Revenue as Reported	1,007	949.63	616.36	372.43	193.65	156.03

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