SBFC Finance 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	14,612	11,974	9,184	6,542	4,731	4,632
Total Interest Expense	5,079	4,192	3,506	2,765	2,206	2,385
Net Interest Income	9,533	7,781	5,677	3,777	2,525	2,247
Commissions and Fees	1,163	699.14	709.06	412.52	272.39	241.53
Gain (Loss) on Sale of Investments	176.95	176.95	175.14	148.06	-	-
Other Revenue	-91.66	215.76	126.54	249.47	260.66	182.5
Revenue Before Loan Losses	10,781	8,873	6,688	4,587	3,058	2,671
Provision for Loan Losses	1,093	737.2	470.26	320.56	360.88	336.4
Revenue	9,688	8,136	6,218	4,266	2,697	2,335
Revenue Growth (YoY)	26.69%	30.85%	45.73%	58.17%	15.54%	37.50%
Salaries & Employee Benefits	2,782	2,532	2,171	1,601	1,095	841.83
Cost of Services Provided	91.08	91.08	72.61	50.09	22.16	10.91
Other Operating Expenses	965.75	750.46	681.43	486.99	593.96	280.12
Total Operating Expenses	4,035	3,542	3,060	2,265	1,829	1,228
Operating Income	5,653	4,594	3,158	2,001	868.2	1,106
EBT Excluding Unusual Items	5,653	4,594	3,163	2,017	868.64	1,139
Other Unusual Items	1.72	1.72	0.55	4.3	1.67	2.28
Pretax Income	5,647	4,587	3,161	2,014	866.96	1,141
Income Tax Expense	1,426	1,134	790.35	516.3	221.75	290.55
Net Income	4,220	3,453	2,371	1,497	645.21	850.1
Net Income to Common	4,220	3,453	2,371	1,497	645.21	850.1
Net Income Growth	29.84%	45.63%	58.35%	132.07%	-24.10%	139.50%
Shares Outstanding (Basic)	1,089	1,077	1,011	878	798	783
Shares Outstanding (Diluted)	1,101	1,096	1,033	926	816	801
Shares Change (YoY)	1.05%	6.13%	11.55%	13.43%	1.91%	9.25%
EPS (Basic)	3.88	3.21	2.35	1.71	0.81	1.09
EPS (Diluted)	3.83	3.15	2.30	1.62	0.79	1.06
EPS Growth	28.31%	36.96%	41.98%	105.06%	-25.47%	120.83%
Free Cash Flow	-	-14,240	-11,663	-12,524	-8,290	-2,880
Free Cash Flow Per Share	-	-12.99	-11.29	-13.53	-10.15	-3.60
Operating Margin	58.35%	56.47%	50.79%	46.90%	32.19%	47.39%
Profit Margin	43.56%	42.44%	38.13%	35.10%	23.92%	36.41%
Free Cash Flow Margin	-	-175.03%	-187.57%	-293.54%	-307.32%	-123.35%
Effective Tax Rate	25.26%	24.73%	25.00%	25.64%	25.58%	25.47%
Revenue as Reported	15,863	13,067	10,199	7,404	5,307	5,115

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