Aavas Financiers Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	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	2016 - 2020
Interest and Dividend Income	20,177	17,350	13,886	11,289	9,766	Upgrade
Total Interest Expense	10,075	8,284	5,910	4,775	4,582	Upgrade
Net Interest Income	10,102	9,067	7,976	6,514	5,183	Upgrade
Commissions and Fees	1,075	867.17	586.76	462.32	365.54	Upgrade
Other Revenue	2,332	1,986	1,630	1,305	922.96	Upgrade
Revenue Before Loan Losses	13,509	11,920	10,193	8,281	6,472	Upgrade
Provision for Loan Losses	271.24	236.25	124.22	226.05	371.39	Upgrade
Revenue	13,238	11,684	10,069	8,055	6,100	Upgrade
Revenue Growth (YoY)	13.30%	16.05%	24.99%	32.04%	14.68%	Upgrade
Salaries & Employee Benefits	3,778	3,559	3,016	2,343	1,731	Upgrade
Cost of Services Provided	83.25	211.14	200.05	158.25	102.92	Upgrade
Other Operating Expenses	1,687	1,336	1,084	789.76	536.31	Upgrade
Total Operating Expenses	5,912	5,433	4,587	3,528	2,576	Upgrade
Operating Income	7,326	6,251	5,481	4,527	3,525	Upgrade
EBT Excluding Unusual Items	7,326	6,251	5,481	4,527	3,525	Upgrade
Pretax Income	7,326	6,254	5,484	4,527	3,526	Upgrade
Income Tax Expense	1,585	1,347	1,188	975.09	636.34	Upgrade
Net Income	5,741	4,907	4,296	3,552	2,889	Upgrade
Net Income to Common	5,741	4,907	4,296	3,552	2,889	Upgrade
Net Income Growth	17.00%	14.21%	20.96%	22.93%	16.01%	Upgrade
Shares Outstanding (Basic)	79	79	79	79	78	Upgrade
Shares Outstanding (Diluted)	80	79	79	79	79	Upgrade
Shares Change (YoY)	0.69%	0.06%	-0.10%	0.24%	-0.07%	Upgrade
EPS (Basic)	72.54	62.03	54.38	45.10	36.87	Upgrade
EPS (Diluted)	71.97	61.93	54.26	44.81	36.54	Upgrade
EPS Growth	16.21%	14.14%	21.09%	22.63%	16.07%	Upgrade
Free Cash Flow	-16,902	-20,193	-19,631	-11,507	-10,795	Upgrade
Free Cash Flow Per Share	-211.88	-254.88	-247.93	-145.19	-136.53	Upgrade
Operating Margin	55.34%	53.50%	54.44%	56.20%	57.78%	Upgrade
Profit Margin	43.37%	42.00%	42.67%	44.09%	47.36%	Upgrade
Free Cash Flow Margin	-127.68%	-172.83%	-194.97%	-142.85%	-176.95%	Upgrade
Effective Tax Rate	21.63%	21.54%	21.66%	21.54%	18.05%	Upgrade
Revenue as Reported	23,584	20,207	16,106	13,056	11,055	Upgrade

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