Regency Fincorp 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	293.65	189.35	151.94	133.29	52.65	35.7
Total Interest Expense	92.18	78.64	88.87	93.85	26.14	22.99
Net Interest Income	201.47	110.72	63.07	39.44	26.51	12.71
Commissions and Fees	21.23	10.2	0.81	1.61	-	-
Gain (Loss) on Sale of Investments	1.49	1.49	0.69	-	-	-
Other Revenue	48.07	15.6	3.87	0.32	1.23	17.87
Revenue Before Loan Losses	272.27	138.01	68.44	41.37	27.74	30.58
Provision for Loan Losses	2.04	2.04	-	-	-	-
Revenue	270.23	135.97	68.44	41.37	27.74	30.58
Revenue Growth (YoY)	185.81%	98.66%	65.44%	49.11%	-9.27%	83.29%
Salaries & Employee Benefits	52.12	38.01	15.96	13.17	11.2	7.77
Cost of Services Provided	9.78	9.74	7.79	6.8	1.38	1.8
Other Operating Expenses	24.62	9.47	6.16	4.56	4.96	12.21
Total Operating Expenses	95.41	64.52	38.38	28.63	20.92	23.92
Operating Income	174.82	71.44	30.06	12.74	6.82	6.66
EBT Excluding Unusual Items	174.82	71.44	30.07	12.74	6.89	6.66
Gain (Loss) on Sale of Investments	-	-	-	-	-	-0.12
Pretax Income	170.31	66.93	25.59	12.74	7.2	6.02
Income Tax Expense	45.61	17.18	5.92	3.49	1.66	1.84
Net Income	124.7	49.76	19.67	9.25	5.54	4.18
Net Income to Common	124.7	49.76	19.67	9.25	5.54	4.18
Net Income Growth	297.13%	152.97%	112.66%	67.04%	32.40%	11.13%
Shares Outstanding (Basic)	88	64	38	11	8	8
Shares Outstanding (Diluted)	96	64	38	11	8	8
Shares Change (YoY)	107.60%	66.35%	257.76%	30.29%	-	-
EPS (Basic)	1.42	0.78	0.51	0.87	0.68	0.51
EPS (Diluted)	1.29	0.78	0.51	0.87	0.68	0.51
EPS Growth	92.12%	52.94%	-41.08%	28.23%	32.39%	11.13%
Free Cash Flow	-	90.16	55.78	107.27	-3.35	6.3
Free Cash Flow Per Share	-	1.42	1.46	10.04	-0.41	0.77
Operating Margin	64.69%	52.54%	43.92%	30.79%	24.59%	21.78%
Profit Margin	46.15%	36.59%	28.74%	22.36%	19.96%	13.68%
Free Cash Flow Margin	-	66.31%	81.50%	259.30%	-12.07%	20.61%
Effective Tax Rate	26.78%	25.66%	23.12%	27.38%	23.09%	30.58%
Revenue as Reported	364.45	216.64	157.33	135.22	54.65	53.67

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