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	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	456.23	403.04	322.25	247.93	244.68	273.33
Total Interest Expense	200.33	194.55	160.5	119.46	120.15	143.1
Net Interest Income	255.91	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	-7.37	0.18	3.05	3.36	5.88	3.25
Revenue Before Loan Losses	255.09	215.23	167.17	132.58	130.44	135.97
Revenue	255.09	215.23	167.17	132.58	130.44	135.97
Revenue Growth (YoY)	24.80%	28.76%	26.08%	1.64%	-4.07%	-26.06%
Salaries & Employee Benefits	78.85	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	52.93	51.45	57.61	49.43	46.34	46.2
Total Operating Expenses	146.16	127.12	117.12	98.4	95.25	94.79
Operating Income	108.93	88.12	50.04	34.19	35.19	41.18
Currency Exchange Gain (Loss)	-	-	-0	-0	-	-
EBT Excluding Unusual Items	108.11	87.3	48.88	34.18	35.19	41.18
Gain (Loss) on Sale of Investments	-	-	-	-	-0	-0
Pretax Income	111.32	90.5	48.83	36.55	35.49	42.17
Income Tax Expense	21.59	20.06	11.93	9.33	9.91	7.72
Net Income	89.73	70.44	36.9	27.22	25.58	34.45
Net Income to Common	89.73	70.44	36.9	27.22	25.58	34.45
Net Income Growth	51.06%	90.92%	35.58%	6.41%	-25.77%	-39.09%
Shares Outstanding (Basic)	13	10	10	10	10	10
Shares Outstanding (Diluted)	13	10	10	10	10	10
Shares Change (YoY)	25.09%	-	-	-	-	4.17%
EPS (Basic)	7.17	7.04	3.69	2.72	2.56	3.45
EPS (Diluted)	7.17	7.04	3.69	2.72	2.56	3.45
EPS Growth	20.70%	90.80%	35.65%	6.35%	-25.77%	-41.50%
Free Cash Flow	-	262.36	-211.65	-59.94	100.32	101.94
Free Cash Flow Per Share	-	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	42.70%	40.94%	29.94%	25.78%	26.98%	30.29%
Profit Margin	35.18%	32.73%	22.07%	20.53%	19.61%	25.34%
Free Cash Flow Margin	-	121.89%	-126.61%	-45.21%	76.91%	74.97%
Effective Tax Rate	19.39%	22.17%	24.43%	25.53%	27.93%	18.30%
Revenue as Reported	45.64	-	-	255.29	251.65	280.49

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