Aavas Financiers 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	22,216	20,177	17,347	13,886	11,289	9,766
Total Interest Expense	10,861	10,075	8,284	5,910	4,775	4,582
Net Interest Income	11,355	10,102	9,063	7,976	6,514	5,183
Commissions and Fees	1,103	1,075	867.17	586.76	462.32	365.54
Other Revenue	2,750	2,327	1,986	1,630	1,305	922.96
Revenue Before Loan Losses	15,209	13,505	11,916	10,193	8,281	6,472
Provision for Loan Losses	347.1	271.24	244.74	124.22	226.05	371.39
Revenue	14,862	13,233	11,672	10,069	8,055	6,100
Revenue Growth (YoY)	16.06%	13.38%	15.92%	24.99%	32.04%	14.68%
Salaries & Employee Benefits	4,498	3,778	3,559	3,016	2,343	1,731
Cost of Services Provided	148.38	131.21	189.18	200.05	158.25	102.92
Other Operating Expenses	1,782	1,639	1,355	1,084	789.76	536.31
Total Operating Expenses	6,838	5,912	5,430	4,587	3,528	2,576
Operating Income	8,024	7,321	6,241	5,481	4,527	3,525
EBT Excluding Unusual Items	8,024	7,321	6,241	5,481	4,527	3,525
Pretax Income	8,029	7,326	6,244	5,484	4,527	3,526
Income Tax Expense	1,760	1,585	1,338	1,188	975.09	636.34
Net Income	6,269	5,741	4,907	4,296	3,552	2,889
Net Income to Common	6,269	5,741	4,907	4,296	3,552	2,889
Net Income Growth	11.34%	17.00%	14.21%	20.96%	22.93%	16.01%
Shares Outstanding (Basic)	79	79	79	79	79	78
Shares Outstanding (Diluted)	80	80	79	79	79	79
Shares Change (YoY)	0.88%	0.69%	0.06%	-0.10%	0.24%	-0.07%
EPS (Basic)	79.20	72.54	62.03	54.38	45.10	36.87
EPS (Diluted)	78.32	71.97	61.93	54.26	44.81	36.54
EPS Growth	10.37%	16.21%	14.14%	21.09%	22.63%	16.07%
Free Cash Flow	-	-16,902	-20,333	-19,631	-11,507	-10,795
Free Cash Flow Per Share	-	-211.88	-256.64	-247.93	-145.19	-136.53
Operating Margin	53.99%	55.32%	53.48%	54.44%	56.20%	57.78%
Profit Margin	42.18%	43.38%	42.04%	42.67%	44.09%	47.36%
Free Cash Flow Margin	-	-127.72%	-174.21%	-194.97%	-142.85%	-176.95%
Effective Tax Rate	21.92%	21.63%	21.42%	21.66%	21.54%	18.05%
Revenue as Reported	26,075	23,584	20,203	16,106	13,056	11,055

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