Sarvodaya Development Finance PLC (COSE:SDF.N0000)

COSE:SDF.N0000 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	4,788	4,064	3,102	2,461	1,822	1,585
Total Interest Expense	1,776	1,424	1,322	1,222	562.12	623.35
Net Interest Income	3,012	2,639	1,780	1,240	1,260	961.4
Commissions and Fees	357.7	268.01	172.89	114.19	63.59	35.86
Revenue Before Loan Losses	3,370	2,907	1,952	1,354	1,324	997.25
Provision for Loan Losses	499.54	438.9	332.53	63.09	192.62	60.09
Revenue	2,870	2,469	1,620	1,291	1,131	937.16
Revenue Growth (YoY)	39.70%	52.39%	25.49%	14.11%	20.70%	11.33%
Salaries & Employee Benefits	847.9	699.47	533.7	464.03	440.42	374.1
Cost of Services Provided	99.68	99.68	62.1	50.15	44.43	34.58
Other Operating Expenses	779.57	696.85	519.06	372.57	293.68	241.4
Total Operating Expenses	1,887	1,639	1,231	987.08	879.29	760.18
Operating Income	983.47	829.36	388.52	303.73	251.88	176.98
EBT Excluding Unusual Items	983.47	829.36	388.52	303.73	251.88	176.98
Pretax Income	983.71	829.6	409.26	300.13	268.71	266.83
Income Tax Expense	385.19	355.79	159.66	78.48	53.24	83.48
Earnings From Continuing Ops.	598.52	473.81	249.6	221.65	215.47	183.36
Net Income	598.52	473.81	249.6	221.65	215.47	183.36
Net Income to Common	598.52	473.81	249.6	221.65	215.47	183.36
Net Income Growth	54.89%	89.83%	12.61%	2.87%	17.51%	80.26%
Shares Outstanding (Basic)	150	150	150	150	116	72
Shares Outstanding (Diluted)	150	150	150	150	116	72
Shares Change (YoY)	-	-	-	28.85%	61.48%	6.51%
EPS (Basic)	4.00	3.17	1.67	1.48	1.86	2.55
EPS (Diluted)	4.00	3.17	1.67	1.48	1.86	2.55
EPS Growth	54.89%	89.83%	12.61%	-20.17%	-27.23%	69.24%
Free Cash Flow	-7,454	-3,833	-1,206	1,577	-1,420	-951.92
Free Cash Flow Per Share	-49.83	-25.63	-8.06	10.54	-12.23	-13.24
Dividend Per Share	1.250	1.250	0.650	0.750	1.000	-
Dividend Growth	92.31%	92.31%	-13.33%	-25.00%	-	-
Operating Margin	34.26%	33.60%	23.98%	23.53%	22.27%	18.88%
Profit Margin	20.85%	19.19%	15.41%	17.17%	19.05%	19.56%
Free Cash Flow Margin	-259.69%	-155.29%	-74.44%	122.19%	-125.50%	-101.57%
Effective Tax Rate	39.16%	42.89%	39.01%	26.15%	19.81%	31.29%

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