Abans Finance PLC (COSE:AFSL.N0000)

Abans Finance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	3,618	3,033	2,606	2,652	1,932	1,686
Total Interest Expense	990.56	941.16	1,394	1,231	547.03	654.61
Net Interest Income	2,628	2,091	1,212	1,421	1,385	1,032
Commissions and Fees	401.34	350.54	208.7	190.99	161.69	129.9
Other Revenue	21.18	39.15	31.42	2.65	6.44	0.32
Revenue Before Loan Losses	3,050	2,481	1,453	1,615	1,553	1,162
Provision for Loan Losses	431.32	408.34	382.42	82.16	130.5	108.27
Revenue	2,619	2,073	1,070	1,532	1,423	1,054
Revenue Growth (YoY)	74.06%	93.69%	-30.16%	7.71%	35.02%	29.31%
Salaries & Employee Benefits	675.51	569.22	383.24	399.83	335.54	273.47
Cost of Services Provided	101.91	92.84	67.22	81.54	62.81	53.16
Other Operating Expenses	779.5	626.93	435.6	450.55	343.87	242.36
Total Operating Expenses	1,643	1,369	960.73	998.27	807.41	637.84
Operating Income	976.52	703.63	109.41	534.12	615.23	415.83
EBT Excluding Unusual Items	976.52	703.63	109.41	534.12	615.23	423.62
Pretax Income	976.52	703.63	109.41	533.23	615.24	427.17
Income Tax Expense	384.12	277.87	5.07	178.17	184.93	139.98
Net Income	592.4	425.76	104.34	355.06	430.31	287.19
Net Income to Common	592.4	425.76	104.34	355.06	430.31	287.19
Net Income Growth	149.63%	308.05%	-70.61%	-17.49%	49.83%	177.68%
Shares Outstanding (Basic)	74	74	74	74	67	67
Shares Outstanding (Diluted)	74	74	74	74	67	67
Shares Change (YoY)	-0.43%	-	-	10.71%	-	-
EPS (Basic)	8.04	5.78	1.42	4.82	6.46	4.31
EPS (Diluted)	8.04	5.78	1.42	4.82	6.46	4.31
EPS Growth	150.72%	308.05%	-70.61%	-25.47%	49.83%	177.68%
Free Cash Flow	-603.1	-611.28	2,108	801.54	-598.28	232.34
Free Cash Flow Per Share	-8.19	-8.29	28.60	10.88	-8.99	3.49
Operating Margin	37.29%	33.95%	10.22%	34.86%	43.25%	39.47%
Profit Margin	22.62%	20.54%	9.75%	23.17%	30.25%	27.26%
Free Cash Flow Margin	-23.03%	-29.49%	196.97%	52.31%	-42.05%	22.05%
Effective Tax Rate	39.34%	39.49%	4.64%	33.41%	30.06%	32.77%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.