Star Housing Finance Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	110.99	88.83	69.8	6.22	15.57
Depreciation & Amortization	5.91	5.16	2.05	18.89	0.74
Other Amortization	2.26	1.51	1.51	1.43	0.72
Provision for Credit Losses	51.25	18.03	6.27	5.1	19.52
Net Decrease (Increase) in Loans Originated / Sold - Operating	-383.2	-1,558	-1,264	-99.91	-120.94
Change in Income Taxes	-12.82	-8.25	-3.15	-5.36	-4.33
Change in Other Net Operating Assets	-453.14	153.56	73.17	7.36	-0.21
Other Operating Activities	26.24	8.71	3.97	3.38	-1.16
Operating Cash Flow	-652.52	-1,290	-1,110	-62.9	-90.08
Capital Expenditures	-	-18.64	-24.66	-3.47	-5.1
Sale of Property, Plant & Equipment	0.54	-	-	-	-
Investment in Securities	39.08	-125.09	-76.76	-67	-35
Other Investing Activities	-	-0	-	0	-
Investing Cash Flow	39.62	-143.73	-101.42	-70.47	-40.1
Long-Term Debt Issued	835.13	1,578	840.22	143.37	324.14
Total Debt Issued	835.13	1,578	840.22	143.37	324.14
Net Debt Issued (Repaid)	835.13	1,578	840.22	143.37	324.14
Issuance of Common Stock	13.04	34.1	360.67	80.88	-
Common Dividends Paid	-0.02	-0.11	-	-0.11	-3.96
Other Financing Activities	-2.93	150.06	0.04	-	-
Financing Cash Flow	845.22	1,762	1,201	224.14	320.18
Net Cash Flow	232.32	328.35	-10.78	90.78	189.99
Free Cash Flow	-652.52	-1,309	-1,135	-66.37	-95.19
Free Cash Flow Margin	-163.64%	-469.02%	-517.50%	-56.28%	-107.89%
Free Cash Flow Per Share	-8.26	-16.31	-15.11	-1.04	-1.52
Cash Income Tax Paid	5.5	13.7	13	4.59	7.44

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