Smart Finsec Limited (BOM:539494)

Smart Finsec Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	7.84	6.21	1.82	3.09	5.22
Total Interest Expense	0.14	0.01	0.02	0.04	0.96
Net Interest Income	7.7	6.2	1.8	3.05	4.26
Gain (Loss) on Sale of Investments	-	0.02	-0.25	0.1	2.42
Other Revenue	15.84	244.49	305.97	505.01	224.56
Revenue Before Loan Losses	23.54	250.7	307.52	508.16	231.24
Revenue	23.54	250.7	307.52	508.16	231.24
Revenue Growth (YoY)	-90.61%	-18.48%	-39.48%	119.75%	142.91%
Salaries & Employee Benefits	4.32	2.7	1.13	1.07	0.92
Cost of Services Provided	3.66	215.49	285.8	459.72	224.74
Other Operating Expenses	-	1.09	0.85	1.18	0.59
Total Operating Expenses	8.53	219.83	288.33	462.51	226.8
Operating Income	15.01	30.88	19.19	45.65	4.44
EBT Excluding Unusual Items	15.01	30.88	19.19	45.64	4.44
Gain (Loss) on Sale of Investments	-	-	-	-0.15	-
Pretax Income	15.01	30.88	19.19	45.5	4.44
Income Tax Expense	3.27	7.22	5.07	10.91	-0.04
Net Income	11.74	23.65	14.13	34.58	4.47
Net Income to Common	11.74	23.65	14.13	34.58	4.47
Net Income Growth	-50.37%	67.45%	-59.16%	672.88%	31.45%
Shares Outstanding (Basic)	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30
Shares Change (YoY)	0.33%	-	-	-	-
EPS (Basic)	0.39	0.79	0.47	1.15	0.15
EPS (Diluted)	0.39	0.79	0.47	1.15	0.15
EPS Growth	-50.53%	67.75%	-59.13%	671.01%	32.00%
Free Cash Flow	26.7	26.53	-5.05	46.75	-48.66
Free Cash Flow Per Share	0.89	0.88	-0.17	1.56	-1.62
Operating Margin	63.77%	12.31%	6.24%	8.98%	1.92%
Profit Margin	49.88%	9.44%	4.59%	6.81%	1.93%
Free Cash Flow Margin	113.45%	10.58%	-1.64%	9.20%	-21.04%
Effective Tax Rate	21.78%	23.39%	26.40%	23.98%	-
Revenue as Reported	23.68	250.71	307.54	508.2	232.2

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