CreditAccess Grameen 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	55,915	55,468	49,001	33,271	25,673	22,900
Total Interest Expense	18,982	19,470	17,270	12,129	9,840	9,245
Net Interest Income	36,933	35,998	31,731	21,143	15,834	13,655
Commissions and Fees	1,203	1,016	924.2	195.1	132.2	87.6
Gain (Loss) on Sale of Investments	1.6	1.6	-	-	178.5	200.1
Other Revenue	1,141	785.7	1,324	1,461	775.8	1,316
Revenue Before Loan Losses	39,279	37,802	33,980	22,798	16,920	15,259
Provision for Loan Losses	19,775	19,005	4,041	3,429	5,226	7,556
Revenue	19,505	18,797	29,939	19,369	11,694	7,702
Revenue Growth (YoY)	-17.39%	-37.22%	54.57%	65.63%	51.83%	-13.47%
Salaries & Employee Benefits	8,427	7,304	6,694	5,152	4,377	3,800
Cost of Services Provided	936.6	925.5	779.1	590.7	446.6	329.7
Other Operating Expenses	3,116	2,851	2,508	2,073	1,591	1,328
Total Operating Expenses	13,106	11,702	10,493	8,315	6,886	5,898
Operating Income	6,399	7,095	19,447	11,054	4,808	1,804
Currency Exchange Gain (Loss)	-	-	-	-	-	-0.1
EBT Excluding Unusual Items	6,393	7,089	19,392	11,054	4,808	1,804
Pretax Income	6,393	7,089	19,392	11,054	4,808	1,804
Income Tax Expense	1,540	1,775	4,933	2,794	1,277	490
Earnings From Continuing Ops.	4,853	5,314	14,459	8,261	3,531	1,314
Minority Interest in Earnings	-	-	-	-	-	26.2
Net Income	4,853	5,314	14,459	8,261	3,531	1,340
Net Income to Common	4,853	5,314	14,459	8,261	3,531	1,340
Net Income Growth	-44.93%	-63.25%	75.04%	133.97%	163.45%	-59.82%
Shares Outstanding (Basic)	160	159	159	159	158	150
Shares Outstanding (Diluted)	160	160	160	159	159	151
Shares Change (YoY)	0.16%	-0.05%	0.32%	0.25%	5.63%	3.83%
EPS (Basic)	30.37	33.32	90.88	52.04	22.29	8.96
EPS (Diluted)	30.29	33.24	90.41	51.82	22.20	8.90
EPS Growth	-45.02%	-63.23%	74.47%	133.42%	149.44%	-61.30%
Free Cash Flow	-	10,986	-47,456	-33,035	-27,336	-4,594
Free Cash Flow Per Share	-	68.72	-296.73	-207.22	-171.90	-30.52
Dividend Per Share	-	-	10.000	-	-	-
Operating Margin	32.81%	37.74%	64.95%	57.07%	41.11%	23.42%
Profit Margin	24.88%	28.27%	48.30%	42.65%	30.19%	17.40%
Free Cash Flow Margin	-	58.45%	-158.51%	-170.55%	-233.76%	-59.65%
Effective Tax Rate	24.09%	25.04%	25.44%	25.27%	26.57%	27.16%
Revenue as Reported	58,717	57,561	51,727	35,508	27,501	24,661

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