Baid Finserv 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	785.45	671.81	563.47	512.72	496.01
Total Interest Expense	319.68	277.23	223.08	173.51	191.39
Net Interest Income	465.77	394.57	340.39	339.21	304.62
Commissions and Fees	20.56	25.48	19.69	7.44	2.6
Other Revenue	185.87	122.14	53.92	17.5	0.68
Revenue Before Loan Losses	672.2	542.19	414	364.14	307.89
Provision for Loan Losses	-	14.38	13.94	54.44	43.71
Revenue	672.2	527.81	400.06	309.7	264.18
Revenue Growth (YoY)	27.36%	31.93%	29.18%	17.23%	-1.17%
Salaries & Employee Benefits	101.1	94.82	68.06	54.71	49.44
Cost of Services Provided	198.85	162.73	97.69	69.78	44.08
Other Operating Expenses	162.16	85.91	42.08	51.53	47.25
Total Operating Expenses	471.47	352.08	220.11	179.29	143.63
Operating Income	200.73	175.73	179.95	130.41	120.55
EBT Excluding Unusual Items	200.73	176.84	180.47	131.21	121.01
Pretax Income	200.73	181.36	180.97	139.9	121.53
Income Tax Expense	50.98	46.91	51.73	36.11	33.65
Net Income	149.75	134.46	129.24	103.79	87.87
Net Income to Common	149.75	134.46	129.24	103.79	87.87
Net Income Growth	11.38%	4.04%	24.52%	18.12%	17.48%
Shares Outstanding (Basic)	130	120	120	107	120
Shares Outstanding (Diluted)	130	120	120	107	120
Shares Change (YoY)	8.42%	-	12.68%	-11.23%	-
EPS (Basic)	1.15	1.12	1.08	0.97	0.73
EPS (Diluted)	1.15	1.12	1.08	0.97	0.73
EPS Growth	2.72%	4.04%	10.94%	32.54%	17.48%
Free Cash Flow	-346.27	3.33	-249.62	52.27	337.02
Free Cash Flow Per Share	-2.66	0.03	-2.08	0.49	2.81
Dividend Per Share	-	0.100	0.100	0.100	0.100
Dividend Growth	-	-	-	-	100.00%
Operating Margin	29.86%	33.29%	44.98%	42.11%	45.63%
Profit Margin	22.28%	25.47%	32.30%	33.51%	33.26%
Free Cash Flow Margin	-51.51%	0.63%	-62.40%	16.88%	127.57%
Effective Tax Rate	25.40%	25.86%	28.59%	25.81%	27.69%
Revenue as Reported	991.88	825.46	663.58	557.35	500.53

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