Arman Financial Services 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	5,613	6,189	5,931	3,867	2,206	1,856
Total Interest Expense	1,858	2,208	2,476	1,608	845.05	738.73
Net Interest Income	3,755	3,981	3,455	2,259	1,361	1,118
Commissions and Fees	302.7	256.07	233.03	164.01	69.83	50.64
Gain (Loss) on Sale of Investments	780.62	855.63	450.72	207.8	74.56	36.57
Other Revenue	-0	-	0.71	0.03	-	6.76
Revenue Before Loan Losses	4,838	5,092	4,140	2,631	1,505	1,212
Provision for Loan Losses	2,200	2,641	650.94	447.32	373.32	545.92
Revenue	2,638	2,451	3,489	2,184	1,132	665.74
Revenue Growth (YoY)	-6.56%	-29.74%	59.77%	92.95%	69.99%	-49.62%
Salaries & Employee Benefits	1,410	1,123	715.95	546.53	418.53	355.66
Cost of Services Provided	62.03	62.03	41.71	39.8	31.75	27.67
Other Operating Expenses	668.59	556.98	435.87	336.13	216.65	156.68
Total Operating Expenses	2,159	1,760	1,208	934	676.45	548.11
Operating Income	479.31	690.92	2,281	1,250	455.24	117.64
EBT Excluding Unusual Items	479.31	690.92	2,281	1,250	455.24	117.64
Pretax Income	479.31	690.92	2,281	1,250	455.18	117.64
Income Tax Expense	195.74	170.19	545.17	311.42	137.95	11.48
Net Income	283.56	520.73	1,736	938.11	317.23	106.16
Net Income to Common	283.56	520.73	1,736	938.11	317.23	106.16
Net Income Growth	-68.54%	-70.00%	85.02%	195.72%	198.82%	-74.43%
Shares Outstanding (Basic)	10	10	9	8	8	8
Shares Outstanding (Diluted)	11	11	9	9	8	8
Shares Change (YoY)	2.50%	17.40%	2.18%	3.77%	0.21%	13.37%
EPS (Basic)	27.01	49.67	195.00	110.47	37.36	12.53
EPS (Diluted)	26.82	49.26	192.76	107.28	37.35	12.53
EPS Growth	-69.30%	-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	-	442.18	-338.47	-817.02	-331.54	6.45
Operating Margin	18.17%	28.19%	65.38%	57.23%	40.23%	17.67%
Profit Margin	10.75%	21.24%	49.75%	42.96%	28.03%	15.95%
Free Cash Flow Margin	-	190.70%	-87.36%	-329.75%	-248.81%	8.22%
Effective Tax Rate	40.84%	24.63%	23.90%	24.92%	30.31%	9.75%
Revenue as Reported	6,696	7,300	6,615	4,239	2,350	1,950

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