Arman Financial Services Limited (NSE:ARMANFIN)

Arman Financial Services Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	6,189	5,931	3,867	2,206	1,856
Total Interest Expense	2,394	2,476	1,608	845.05	738.73
Net Interest Income	3,795	3,455	2,259	1,361	1,118
Commissions and Fees	256.07	233.03	164.01	69.83	50.64
Gain (Loss) on Sale of Investments	855.63	450.72	207.8	74.56	36.57
Other Revenue	0.01	-	0.03	-	6.76
Revenue Before Loan Losses	4,907	4,140	2,631	1,505	1,212
Provision for Loan Losses	2,641	650.94	447.32	373.32	545.92
Revenue	2,266	3,489	2,184	1,132	665.74
Revenue Growth (YoY)	-35.05%	59.77%	92.95%	69.99%	-49.62%
Salaries & Employee Benefits	1,123	715.95	546.53	418.53	355.66
Cost of Services Provided	-	41.71	39.8	31.75	27.67
Other Operating Expenses	433.62	435.87	336.13	216.65	156.68
Total Operating Expenses	1,575	1,208	934	676.45	548.11
Operating Income	690.92	2,281	1,250	455.24	117.64
EBT Excluding Unusual Items	690.92	2,281	1,250	455.24	117.64
Pretax Income	690.92	2,281	1,250	455.18	117.64
Income Tax Expense	170.19	545.17	311.42	137.95	11.48
Net Income	520.73	1,736	938.11	317.23	106.16
Net Income to Common	520.73	1,736	938.11	317.23	106.16
Net Income Growth	-70.00%	85.02%	195.72%	198.82%	-74.43%
Shares Outstanding (Basic)	10	9	8	8	8
Shares Outstanding (Diluted)	11	9	9	8	8
Shares Change (YoY)	17.40%	2.18%	3.77%	0.21%	13.37%
EPS (Basic)	49.67	195.00	110.47	37.36	12.53
EPS (Diluted)	49.26	192.76	107.28	37.35	12.53
EPS Growth	-74.44%	79.67%	187.24%	198.09%	-77.44%
Free Cash Flow	4,674	-3,048	-7,200	-2,816	54.7
Free Cash Flow Per Share	442.19	-338.47	-817.02	-331.54	6.45
Operating Margin	30.49%	65.38%	57.23%	40.23%	17.67%
Profit Margin	22.98%	49.75%	42.96%	28.03%	15.95%
Free Cash Flow Margin	206.30%	-87.36%	-329.75%	-248.81%	8.22%
Effective Tax Rate	24.63%	23.90%	24.92%	30.31%	9.75%
Revenue as Reported	7,300	6,615	4,239	2,350	1,950

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