Dar Credit & Capital 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	Sep '25 Sep 30, 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	431.04	403.04	322.25	247.93	244.68	273.33
Total Interest Expense	195.26	194.55	160.5	119.46	120.15	143.1
Net Interest Income	235.78	208.5	161.75	128.47	124.53	130.23
Gain (Loss) on Sale of Investments	6.56	6.56	2.36	0.76	0.03	2.49
Other Revenue	-4.28	0.18	3.05	3.36	5.88	3.25
Revenue Before Loan Losses	238.05	215.23	167.17	132.58	130.44	135.97
Revenue	238.05	215.23	167.17	132.58	130.44	135.97
Revenue Growth (YoY)	23.16%	28.76%	26.08%	1.64%	-4.07%	-26.06%
Salaries & Employee Benefits	74.78	62.12	47.54	38.5	38.56	37.72
Cost of Services Provided	5.03	5.03	4.5	3.51	4.85	5.37
Other Operating Expenses	50.08	51.45	57.61	49.43	46.34	46.2
Total Operating Expenses	138.87	127.12	117.12	98.4	95.25	94.79
Operating Income	99.18	88.12	50.04	34.19	35.19	41.18
Currency Exchange Gain (Loss)	-	-	-0	-0	-	-
EBT Excluding Unusual Items	98.33	87.3	48.88	34.18	35.19	41.18
Gain (Loss) on Sale of Investments	-	-	-	-	-0	-0
Pretax Income	101.54	90.5	48.83	36.55	35.49	42.17
Income Tax Expense	19.04	20.06	11.93	9.33	9.91	7.72
Net Income	82.5	70.44	36.9	27.22	25.58	34.45
Net Income to Common	82.5	70.44	36.9	27.22	25.58	34.45
Net Income Growth	52.05%	90.92%	35.58%	6.41%	-25.77%	-39.09%
Shares Outstanding (Basic)	12	10	10	10	10	10
Shares Outstanding (Diluted)	12	10	10	10	10	10
Shares Change (YoY)	18.16%	-	-	-	-	4.17%
EPS (Basic)	6.98	7.04	3.69	2.72	2.56	3.45
EPS (Diluted)	6.98	7.04	3.69	2.72	2.56	3.45
EPS Growth	28.62%	90.80%	35.65%	6.35%	-25.77%	-41.50%
Free Cash Flow	58.01	262.36	-211.65	-59.94	100.32	101.94
Free Cash Flow Per Share	4.91	26.24	-21.16	-5.99	10.03	10.19
Dividend Per Share	-	0.500	0.500	0.500	0.500	0.500
Operating Margin	41.66%	40.94%	29.94%	25.78%	26.98%	30.29%
Profit Margin	34.66%	32.73%	22.07%	20.53%	19.61%	25.34%
Free Cash Flow Margin	24.37%	121.89%	-126.61%	-45.21%	76.91%	74.97%
Effective Tax Rate	18.75%	22.17%	24.43%	25.53%	27.93%	18.30%
Revenue as Reported	23.53	-	-	255.29	251.65	280.49

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