Manba 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	2,852	2,369	1,684	1,250	939.8	966.53
Total Interest Expense	1,305	1,000	775.7	541.27	438.05	482.37
Net Interest Income	1,547	1,369	907.88	708.35	501.75	484.16
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.99
Other Revenue	86.82	49.78	50.89	39.32	19.71	8.89
Revenue Before Loan Losses	1,634	1,419	958.77	747.67	521.46	494.03
Provision for Loan Losses	225.51	169.61	113.6	83.13	100.36	77.03
Revenue	1,408	1,249	845.17	664.54	421.1	417.01
Revenue Growth (YoY)	18.79%	47.83%	27.18%	57.81%	0.98%	-40.40%
Salaries & Employee Benefits	566.77	500.24	384.24	279.99	228.71	190.74
Cost of Services Provided	10.62	10.62	9.25	12.32	13.13	26.37
Other Operating Expenses	245.04	191.64	133.12	94.81	14.73	35.15
Total Operating Expenses	870.1	748.43	571.52	431.59	294.5	288.54
Operating Income	538.18	500.95	273.66	232.95	126.6	128.47
EBT Excluding Unusual Items	557.47	500.95	273.66	232.95	126.6	128.47
Gain (Loss) on Sale of Investments	-	-	112.54	-5.09	-	-
Pretax Income	557.53	501.02	386.52	227.87	126.63	128.57
Income Tax Expense	134.99	122.99	74.74	62.06	29.23	34.94
Net Income	422.55	378.03	311.78	165.8	97.4	93.63
Net Income to Common	422.55	378.03	311.78	165.8	97.4	93.63
Net Income Growth	6.15%	21.25%	88.05%	70.22%	4.03%	-48.55%
Shares Outstanding (Basic)	50	50	50	38	38	38
Shares Outstanding (Diluted)	50	50	50	38	38	38
Shares Change (YoY)	33.46%	-	33.37%	-	-	33.03%
EPS (Basic)	8.40	7.52	6.21	4.40	2.59	2.49
EPS (Diluted)	8.40	7.52	6.21	4.40	2.59	2.49
EPS Growth	-20.50%	21.18%	41.04%	70.17%	4.03%	-61.32%
Free Cash Flow	-	-3,262	-1,433	-1,247	465.79	-83.93
Free Cash Flow Per Share	-	-64.92	-28.52	-33.11	12.37	-2.23
Dividend Per Share	1.000	0.750	-	-	-	-
Operating Margin	38.21%	40.10%	32.38%	35.05%	30.06%	30.81%
Profit Margin	30.00%	30.26%	36.89%	24.95%	23.13%	22.45%
Free Cash Flow Margin	-	-261.07%	-169.54%	-187.66%	110.61%	-20.13%
Effective Tax Rate	24.21%	24.55%	19.34%	27.24%	23.08%	27.18%
Revenue as Reported	3,043	2,504	1,916	1,333	1,066	1,058

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.