Aavas Financiers Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	22,798	20,177	17,347	13,886	11,289
Total Interest Expense	10,948	10,075	8,284	5,910	4,775
Net Interest Income	11,849	10,102	9,063	7,976	6,514
Commissions and Fees	1,130	1,075	867.17	586.76	462.32
Other Revenue	2,921	2,327	1,986	1,630	1,305
Revenue Before Loan Losses	15,900	13,505	11,916	10,193	8,281
Provision for Loan Losses	337.24	271.24	244.74	124.22	226.05
Revenue	15,563	13,233	11,672	10,069	8,055
Revenue Growth (YoY)	17.60%	13.38%	15.92%	24.99%	32.04%
Salaries & Employee Benefits	4,704	3,778	3,559	3,016	2,343
Cost of Services Provided	102.92	131.21	189.18	200.05	158.25
Other Operating Expenses	1,921	1,639	1,355	1,084	789.76
Total Operating Expenses	7,158	5,912	5,430	4,587	3,528
Operating Income	8,404	7,321	6,241	5,481	4,527
EBT Excluding Unusual Items	8,404	7,321	6,241	5,481	4,527
Pretax Income	8,404	7,326	6,244	5,484	4,527
Income Tax Expense	1,856	1,585	1,338	1,188	975.09
Net Income	6,549	5,741	4,907	4,296	3,552
Net Income to Common	6,549	5,741	4,907	4,296	3,552
Net Income Growth	14.07%	17.00%	14.21%	20.96%	22.93%
Shares Outstanding (Basic)	79	79	79	79	79
Shares Outstanding (Diluted)	80	80	79	79	79
Shares Change (YoY)	-0.06%	0.69%	0.06%	-0.10%	0.24%
EPS (Basic)	82.72	72.54	62.03	54.38	45.10
EPS (Diluted)	82.14	71.97	61.93	54.26	44.81
EPS Growth	14.13%	16.21%	14.14%	21.09%	22.63%
Free Cash Flow	-14,192	-16,902	-20,333	-19,631	-11,507
Free Cash Flow Per Share	-178.01	-211.88	-256.64	-247.93	-145.19
Operating Margin	54.00%	55.32%	53.48%	54.44%	56.20%
Profit Margin	42.08%	43.38%	42.04%	42.67%	44.09%
Free Cash Flow Margin	-91.19%	-127.72%	-174.21%	-194.97%	-142.85%
Effective Tax Rate	22.08%	21.63%	21.42%	21.66%	21.54%
Revenue as Reported	26,848	23,584	20,203	16,106	13,056

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