India Shelter Finance Corporation Limited (BOM:544044)

BOM:544044 Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	8,813	7,026	5,029	3,736	2,746	2,121
Total Interest Expense	3,278	2,883	2,096	1,483	1,053	752.47
Net Interest Income	5,535	4,142	2,933	2,253	1,693	1,369
Commissions and Fees	864.86	377.89	315.84	200.58	99.93	95.73
Other Revenue	1,250	1,209	714.29	660.3	380.14	82.01
Revenue Before Loan Losses	7,650	5,729	3,963	3,114	2,173	1,547
Provision for Loan Losses	291.52	193.62	110.76	116.48	196.81	117.33
Revenue	7,359	5,535	3,853	2,997	1,976	1,429
Revenue Growth (YoY)	44.49%	43.68%	28.53%	51.67%	38.27%	19.54%
Salaries & Employee Benefits	2,168	1,794	1,346	1,013	619.64	503.76
Cost of Services Provided	57.33	57.33	43.53	26.95	21.03	23.48
Other Operating Expenses	523.73	392.9	363.39	223.35	155.76	201.24
Total Operating Expenses	2,866	2,344	1,835	1,329	847.41	787.17
Operating Income	4,493	3,192	2,018	1,669	1,129	642.14
EBT Excluding Unusual Items	4,493	3,192	2,018	1,669	1,129	642.14
Other Unusual Items	1.17	1.17	2.71	1.02	2.2	-
Pretax Income	4,493	3,192	2,020	1,669	1,130	638.39
Income Tax Expense	1,016	715.85	466.1	384.54	255.68	169.27
Net Income	3,477	2,476	1,553	1,284	873.89	469.11
Net Income to Common	3,477	2,476	1,553	1,284	873.89	469.11
Net Income Growth	56.09%	59.39%	20.94%	46.98%	86.28%	54.37%
Shares Outstanding (Basic)	107	94	88	87	86	85
Shares Outstanding (Diluted)	110	98	89	88	88	87
Shares Change (YoY)	16.92%	10.57%	1.32%	-0.24%	1.32%	9.80%
EPS (Basic)	32.42	26.32	17.75	14.80	10.19	5.49
EPS (Diluted)	31.63	25.18	17.47	14.63	9.93	5.40
EPS Growth	33.50%	44.13%	19.41%	47.33%	83.89%	40.63%
Free Cash Flow	-	-12,386	-8,586	-5,004	-4,226	-2,930
Free Cash Flow Per Share	-	-125.94	-96.53	-57.00	-48.03	-33.74
Operating Margin	61.05%	57.66%	52.38%	55.67%	57.12%	44.93%
Profit Margin	47.25%	44.73%	40.32%	42.85%	44.22%	32.82%
Free Cash Flow Margin	-	-223.75%	-222.85%	-166.93%	-213.85%	-205.00%
Effective Tax Rate	22.61%	22.43%	23.08%	23.04%	22.63%	26.52%
Revenue as Reported	10,929	8,614	6,062	4,598	3,228	2,299

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