Aadhar Housing 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	31,149	27,190	22,752	17,763	15,383	14,269
Total Interest Expense	13,201	11,581	9,715	7,836	7,382	7,941
Net Interest Income	17,948	15,609	13,037	9,927	8,001	6,329
Commissions and Fees	2,060	1,994	1,684	1,047	735.6	758
Gain (Loss) on Sale of Investments	222.4	222.4	223.7	317.9	234.6	87.8
Other Revenue	1,851	1,683	1,211	1,306	932.5	640.3
Revenue Before Loan Losses	22,081	19,508	16,155	12,599	9,904	7,815
Provision for Loan Losses	638	570.7	412.3	492.1	487.1	552.3
Revenue	21,443	18,938	15,743	12,107	9,417	7,263
Revenue Growth (YoY)	18.17%	20.29%	30.03%	28.56%	29.67%	42.39%
Salaries & Employee Benefits	5,231	4,645	4,035	3,220	2,482	1,888
Cost of Services Provided	822.9	822.9	622.1	460.9	254.7	233
Other Operating Expenses	1,714	1,482	1,277	1,053	872.6	703.5
Total Operating Expenses	8,046	7,202	6,143	4,899	3,742	2,937
Operating Income	13,398	11,735	9,599	7,207	5,675	4,326
EBT Excluding Unusual Items	13,398	11,735	9,599	7,207	5,675	4,326
Other Unusual Items	-159.2	-	-	-250	-	-
Pretax Income	13,236	11,733	9,596	6,958	5,674	4,325
Income Tax Expense	2,938	2,614	2,100	1,511	1,225	923.8
Net Income	10,298	9,118	7,496	5,448	4,449	3,401
Net Income to Common	10,298	9,118	7,496	5,448	4,449	3,401
Net Income Growth	18.54%	21.64%	37.61%	22.46%	30.79%	79.60%
Shares Outstanding (Basic)	432	425	395	395	395	395
Shares Outstanding (Diluted)	442	437	409	407	407	407
Shares Change (YoY)	2.65%	7.04%	0.41%	-0.06%	0.15%	25.12%
EPS (Basic)	23.83	21.43	18.99	13.80	11.27	8.62
EPS (Diluted)	23.32	20.85	18.35	13.39	10.93	8.37
EPS Growth	15.46%	13.62%	37.04%	22.51%	30.59%	43.57%
Free Cash Flow	-	-30,415	-25,655	-11,661	-9,186	-12,074
Free Cash Flow Per Share	-	-69.54	-62.79	-28.66	-22.56	-29.70
Operating Margin	62.48%	61.97%	60.98%	59.53%	60.27%	59.57%
Profit Margin	48.02%	48.15%	47.62%	45.00%	47.24%	46.83%
Free Cash Flow Margin	-	-160.60%	-162.97%	-96.32%	-97.54%	-166.25%
Effective Tax Rate	22.20%	22.28%	21.88%	21.71%	21.59%	21.36%
Revenue as Reported	35,282	31,089	25,870	20,435	17,286	15,756

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