Aptus Value Housing Finance India Limited (BOM:543335)

BOM:543335 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	16,696	13,199	10,584	7,917	6,269
Total Interest Expense	5,405	3,879	2,759	2,086	2,065
Net Interest Income	11,291	9,320	7,825	5,831	4,203
Commissions and Fees	568.54	411.45	264.65	176.88	119.65
Other Revenue	719.65	479.01	429.64	302.4	193.82
Revenue Before Loan Losses	12,579	10,210	8,519	6,310	4,517
Provision for Loan Losses	283.17	291.74	387.62	344.73	58.18
Revenue	12,296	9,919	8,132	5,965	4,459
Revenue Growth (YoY)	23.96%	21.98%	36.31%	33.80%	31.75%
Salaries & Employee Benefits	1,771	1,489	1,213	843.55	713.83
Cost of Services Provided	-	8.22	8.31	6.74	4.35
Other Operating Expenses	656.09	476.12	358.86	255	232.63
Total Operating Expenses	2,547	2,067	1,652	1,171	1,008
Operating Income	9,748	7,852	6,479	4,794	3,451
EBT Excluding Unusual Items	9,748	7,932	6,537	4,800	3,451
Pretax Income	9,748	7,932	6,537	4,800	3,451
Income Tax Expense	2,236	1,813	1,507	1,099	781.47
Net Income	7,512	6,119	5,030	3,701	2,669
Net Income to Common	7,512	6,119	5,030	3,701	2,669
Net Income Growth	22.77%	21.65%	35.90%	38.66%	26.51%
Shares Outstanding (Basic)	499	499	498	488	480
Shares Outstanding (Diluted)	500	501	499	491	481
Shares Change (YoY)	-0.09%	0.40%	1.57%	2.14%	8.12%
EPS (Basic)	15.04	12.27	10.11	7.58	5.56
EPS (Diluted)	15.01	12.21	10.08	7.53	5.55
EPS Growth	22.93%	21.13%	33.87%	35.68%	17.09%
Free Cash Flow	-14,118	-13,606	-10,504	-7,272	-6,224
Free Cash Flow Per Share	-28.21	-27.16	-21.05	-14.80	-12.94
Dividend Per Share	4.500	4.500	4.000	-	-
Dividend Growth	-	12.50%	-	-	-
Operating Margin	79.28%	79.16%	79.68%	80.36%	77.40%
Profit Margin	61.10%	61.69%	61.86%	62.05%	59.87%
Free Cash Flow Margin	-114.82%	-137.17%	-129.18%	-121.90%	-139.59%
Effective Tax Rate	22.94%	22.85%	23.05%	22.89%	22.64%
Revenue as Reported	17,984	14,168	11,336	8,402	6,582

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