Fino Payments Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2018 - 2020
Period Ending	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	2018 - 2020
Net Income	925.3	863.01	650.87	427.41	204.74	Upgrade
Depreciation & Amortization	621.5	534.46	418.55	354.5	535.83	Upgrade
Gain (Loss) on Sale of Assets	-0.3	-0.13	0.17	3.3	6.37	Upgrade
Gain (Loss) on Sale of Investments	32.5	0.23	0.23	-	-	Upgrade
Provision for Credit Losses	-	5.6	-	-	40.22	Upgrade
Change in Other Net Operating Assets	-6,291	-5,859	-5,562	-1,283	-2,485	Upgrade
Other Operating Activities	81.1	25.41	69.83	-37.86	122.95	Upgrade
Operating Cash Flow	-4,507	-4,386	-4,346	-504.09	-1,575	Upgrade
Capital Expenditures	-1,645	-1,038	-943.41	-643.54	-690.39	Upgrade
Sale of Property, Plant and Equipment	0.6	0.26	3.06	0.43	0.92	Upgrade
Investment in Securities	-	-	-24.98	-	-	Upgrade
Investing Cash Flow	-1,645	-1,038	-965.33	-643.11	-689.46	Upgrade
Long-Term Debt Issued	1,268	2,786	1,844	688.58	700.07	Upgrade
Net Debt Issued (Repaid)	1,268	2,786	1,844	688.58	700.07	Upgrade
Issuance of Common Stock	0.9	-	-	2,834	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	5,269	4,954	4,145	2,579	1,253	Upgrade
Financing Cash Flow	6,538	7,740	5,989	6,101	1,953	Upgrade
Net Cash Flow	386.4	2,316	677.76	4,953	-311.62	Upgrade
Free Cash Flow	-6,152	-5,424	-5,289	-1,148	-2,266	Upgrade
Free Cash Flow Margin	-35.23%	-38.77%	-44.73%	-11.55%	-29.14%	Upgrade
Free Cash Flow Per Share	-73.67	-65.14	-63.56	-14.34	-29.04	Upgrade
Cash Income Tax Paid	127.7	23.2	-34.87	75.29	-95.06	Upgrade

Updated Jan 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.