CreditAccess Grameen 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	57,626	55,468	49,001	33,271	25,673
Total Interest Expense	18,991	19,470	17,270	12,129	9,840
Net Interest Income	38,636	35,998	31,731	21,143	15,834
Commissions and Fees	1,359	1,016	924.2	195.1	132.2
Gain (Loss) on Sale of Investments	-	1.6	-	-	178.5
Other Revenue	1,151	785.7	1,324	1,461	775.8
Revenue Before Loan Losses	41,146	37,802	33,980	22,798	16,920
Provision for Loan Losses	-488.9	19,005	4,041	3,429	5,226
Revenue	41,635	18,797	29,939	19,369	11,694
Revenue Growth (YoY)	121.50%	-37.22%	54.57%	65.63%	51.83%
Salaries & Employee Benefits	8,791	7,304	6,694	5,152	4,377
Cost of Services Provided	32	925.5	779.1	590.7	446.6
Other Operating Expenses	4,095	2,851	2,508	2,073	1,591
Total Operating Expenses	13,549	11,702	10,493	8,315	6,886
Operating Income	28,086	7,095	19,447	11,054	4,808
EBT Excluding Unusual Items	28,086	7,089	19,392	11,054	4,808
Pretax Income	10,332	7,089	19,392	11,054	4,808
Income Tax Expense	2,556	1,775	4,933	2,794	1,277
Earnings From Continuing Ops.	7,776	5,314	14,459	8,261	3,531
Net Income	7,776	5,314	14,459	8,261	3,531
Net Income to Common	7,776	5,314	14,459	8,261	3,531
Net Income Growth	46.34%	-63.25%	75.04%	133.97%	163.45%
Shares Outstanding (Basic)	160	159	159	159	158
Shares Outstanding (Diluted)	161	160	160	159	159
Shares Change (YoY)	0.43%	-0.05%	0.32%	0.25%	5.63%
EPS (Basic)	48.63	33.32	90.88	52.04	22.29
EPS (Diluted)	48.44	33.24	90.41	51.82	22.20
EPS Growth	45.73%	-63.23%	74.47%	133.42%	149.44%
Free Cash Flow	-27,850	10,986	-47,456	-33,035	-27,336
Free Cash Flow Per Share	-173.48	68.72	-296.73	-207.22	-171.90
Dividend Per Share	-	-	10.000	-	-
Operating Margin	67.46%	37.74%	64.95%	57.07%	41.11%
Profit Margin	18.68%	28.27%	48.30%	42.65%	30.19%
Free Cash Flow Margin	-66.89%	58.45%	-158.51%	-170.55%	-233.76%
Effective Tax Rate	24.73%	25.04%	25.44%	25.27%	26.57%
Revenue as Reported	60,625	57,561	51,727	35,508	27,501

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