Satin Creditcare Network 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	24,444	23,030	18,818	12,490	12,278	11,672
Total Interest Expense	10,881	10,452	8,972	6,129	6,288	6,367
Net Interest Income	13,563	12,578	9,845	6,361	5,990	5,304
Commissions and Fees	282.6	370.65	653.68	767.44	812.68	955.6
Gain (Loss) on Sale of Investments	220.05	220.05	121.55	37.66	26.48	-
Other Revenue	3,859	2,392	2,798	2,212	686.53	1,160
Revenue Before Loan Losses	17,924	15,560	13,418	9,378	7,516	7,420
Provision for Loan Losses	5,267	5,204	1,508	4,000	1,807	2,790
Revenue	12,658	10,356	11,910	5,379	5,708	4,630
Revenue Growth (YoY)	13.63%	-13.05%	121.44%	-5.78%	23.29%	-36.53%
Salaries & Employee Benefits	6,762	5,863	4,479	3,876	3,931	3,373
Cost of Services Provided	244.01	244.01	173.1	246.04	176.69	180.27
Other Operating Expenses	1,928	1,590	1,174	1,021	1,100	1,076
Total Operating Expenses	9,221	7,970	6,053	5,327	5,368	4,780
Operating Income	3,437	2,386	5,858	51.25	339.93	-150.03
Currency Exchange Gain (Loss)	-1,027	-	-	-	-	38.62
EBT Excluding Unusual Items	2,381	2,357	5,832	51.25	346.93	-98.57
Gain (Loss) on Sale of Investments	-	-	-	-	-	2.21
Other Unusual Items	1.25	1.25	1.56	0.76	0.78	0.32
Pretax Income	2,381	2,358	5,829	52.41	341.79	-97.54
Income Tax Expense	460.66	496.42	1,469	4.28	134.8	42.28
Earnings From Continuing Ops.	1,921	1,861	4,359	48.13	206.99	-139.82
Net Income	1,921	1,861	4,359	48.13	206.99	-139.82
Net Income to Common	1,921	1,861	4,359	48.13	206.99	-139.82
Net Income Growth	-34.33%	-57.30%	8957.32%	-76.75%	-	-
Shares Outstanding (Basic)	110	110	98	78	70	62
Shares Outstanding (Diluted)	110	110	101	82	76	62
Shares Change (YoY)	-0.06%	9.18%	23.11%	7.62%	22.66%	19.94%
EPS (Basic)	17.46	16.92	44.34	0.62	2.96	-2.26
EPS (Diluted)	17.46	16.92	43.27	0.59	2.72	-2.26
EPS Growth	-34.29%	-60.90%	7233.90%	-78.31%	-	-
Free Cash Flow	-	-5,829	-20,817	-9,660	3,302	-9,649
Free Cash Flow Per Share	-	-53.00	-206.63	-118.05	43.43	-155.64
Operating Margin	27.15%	23.04%	49.18%	0.95%	5.96%	-3.24%
Profit Margin	15.17%	17.97%	36.60%	0.90%	3.63%	-3.02%
Free Cash Flow Margin	-	-56.29%	-174.78%	-179.61%	57.85%	-208.40%
Effective Tax Rate	19.35%	21.05%	25.21%	8.16%	39.44%	-
Revenue as Reported	28,812	26,019	22,405	15,509	13,811	13,802

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.