Smart Finsec 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	8.5	7.84	6.21	1.82	3.09
Total Interest Expense	0.23	-	0.01	0.02	0.04
Net Interest Income	8.27	7.84	6.2	1.8	3.05
Gain (Loss) on Sale of Investments	-	-	0.02	-0.25	0.1
Other Revenue	11.14	15.84	244.49	305.97	505.01
Revenue Before Loan Losses	19.44	23.68	250.7	307.52	508.16
Revenue	19.44	23.68	250.7	307.52	508.16
Revenue Growth (YoY)	-17.89%	-90.56%	-18.48%	-39.48%	119.75%
Salaries & Employee Benefits	4.24	4.32	2.7	1.13	1.07
Cost of Services Provided	1.84	2.13	215.49	285.8	459.72
Other Operating Expenses	-	1.53	1.09	0.85	1.18
Total Operating Expenses	6.09	8.53	219.83	288.33	462.51
Operating Income	13.35	15.15	30.88	19.19	45.65
EBT Excluding Unusual Items	13.35	15.01	30.88	19.19	45.64
Gain (Loss) on Sale of Investments	-	-	-	-	-0.15
Pretax Income	13.35	15.01	30.88	19.19	45.5
Income Tax Expense	3.58	3.27	7.22	5.07	10.91
Net Income	9.77	11.74	23.65	14.13	34.58
Net Income to Common	9.77	11.74	23.65	14.13	34.58
Net Income Growth	-16.80%	-50.37%	67.45%	-59.16%	672.88%
Shares Outstanding (Basic)	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30
Shares Change (YoY)	-1.34%	-	-	-	-
EPS (Basic)	0.33	0.39	0.79	0.47	1.15
EPS (Diluted)	0.33	0.39	0.79	0.47	1.15
EPS Growth	-15.38%	-50.53%	67.75%	-59.13%	671.01%
Free Cash Flow	-5.41	26.7	26.5	-5.05	46.75
Free Cash Flow Per Share	-0.18	0.89	0.88	-0.17	1.56
Operating Margin	68.66%	63.98%	12.31%	6.24%	8.98%
Profit Margin	50.24%	49.58%	9.44%	4.59%	6.81%
Free Cash Flow Margin	-27.82%	112.78%	10.57%	-1.64%	9.20%
Effective Tax Rate	26.82%	21.78%	23.39%	26.40%	23.98%
Revenue as Reported	19.67	23.68	250.71	307.54	508.2