Regency Fincorp Limited (BOM:540175)

Regency Fincorp 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	189.4	151.94	133.29	52.65	35.7
Total Interest Expense	80.1	89.73	93.85	26.14	22.99
Net Interest Income	109.3	62.21	39.44	26.51	12.71
Commissions and Fees	10.2	0.81	1.61	-	-
Gain (Loss) on Sale of Investments	-	0.69	-	-	-
Other Revenue	17	3.87	0.32	1.23	17.87
Revenue Before Loan Losses	136.5	67.58	41.37	27.74	30.58
Provision for Loan Losses	2	-	-	-	-
Revenue	134.5	67.58	41.37	27.74	30.58
Revenue Growth (YoY)	99.02%	63.36%	49.11%	-9.27%	83.29%
Salaries & Employee Benefits	38	15.96	13.17	11.2	7.77
Cost of Services Provided	7.1	7.79	6.8	1.38	1.8
Other Operating Expenses	15.2	5.3	4.56	4.96	12.21
Total Operating Expenses	67.6	37.52	28.63	20.92	23.92
Operating Income	66.9	30.06	12.74	6.82	6.66
EBT Excluding Unusual Items	67	30.07	12.74	6.89	6.66
Gain (Loss) on Sale of Investments	-	-	-	-	-0.12
Pretax Income	67	25.59	12.74	7.2	6.02
Income Tax Expense	17.2	5.92	3.49	1.66	1.84
Net Income	49.8	19.67	9.25	5.54	4.18
Net Income to Common	49.8	19.67	9.25	5.54	4.18
Net Income Growth	153.19%	112.66%	67.04%	32.40%	11.13%
Shares Outstanding (Basic)	64	38	11	8	8
Shares Outstanding (Diluted)	64	38	11	8	8
Shares Change (YoY)	67.01%	257.76%	30.29%	-	-
EPS (Basic)	0.78	0.51	0.87	0.68	0.51
EPS (Diluted)	0.78	0.51	0.87	0.68	0.51
EPS Growth	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	1.41	1.46	10.04	-0.41	0.77
Operating Margin	49.74%	44.48%	30.79%	24.59%	21.78%
Profit Margin	37.03%	29.10%	22.36%	19.96%	13.68%
Free Cash Flow Margin	67.03%	82.54%	259.30%	-12.07%	20.61%
Effective Tax Rate	25.67%	23.12%	27.38%	23.09%	30.58%
Revenue as Reported	216.6	157.33	135.22	54.65	53.67

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