IBL Finance Limited (NSE:IBLFL)

IBL Finance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	129.57	141.22	133.05	32.71	11.26
Total Interest Expense	31.18	2.62	11.38	0.63	0.01
Net Interest Income	98.39	138.6	121.68	32.08	11.25
Gain (Loss) on Sale of Investments	0.06	0.03	0.24	-	-
Other Revenue	0.98	0.92	0	-	-
Revenue Before Loan Losses	99.42	139.56	121.92	32.08	11.25
Provision for Loan Losses	13.26	37.19	32.24	7.02	1.23
Revenue	86.17	102.37	89.68	25.06	10.02
Revenue Growth (YoY)	-15.83%	14.15%	257.84%	150.09%	11.35%
Salaries & Employee Benefits	20.34	29.81	25.99	10.21	4.78
Cost of Services Provided	4.45	10.79	16.43	4.99	3.7
Other Operating Expenses	25.69	29	18.04	3.33	1.76
Total Operating Expenses	55.65	72	60.98	19.05	10.88
Operating Income	30.52	30.37	28.7	6.01	-0.86
EBT Excluding Unusual Items	30.52	30.37	28.7	6.01	-0.86
Pretax Income	29.94	30.35	28.64	5.65	-0.93
Income Tax Expense	6.39	7.52	8.17	1.38	0.06
Net Income	23.55	22.84	20.47	4.27	-0.99
Net Income to Common	23.55	22.84	20.47	4.27	-0.99
Net Income Growth	3.15%	11.58%	378.96%	-	-
Shares Outstanding (Basic)	25	20	17	15	15
Shares Outstanding (Diluted)	25	20	17	15	15
Shares Change (YoY)	26.56%	16.45%	14.38%	-	1.62%
EPS (Basic)	0.95	1.17	1.22	0.29	-0.07
EPS (Diluted)	0.95	1.17	1.22	0.29	-0.07
EPS Growth	-18.70%	-4.19%	320.57%	-	-
Free Cash Flow	-465.7	-321.31	-78.52	-56.66	-8.06
Free Cash Flow Per Share	-18.83	-16.44	-4.68	-3.86	-0.55
Operating Margin	35.42%	29.67%	32.01%	23.98%	-8.59%
Profit Margin	27.34%	22.31%	22.82%	17.05%	-9.86%
Free Cash Flow Margin	-540.48%	-313.87%	-87.56%	-226.09%	-80.41%
Effective Tax Rate	21.33%	24.77%	28.53%	24.41%	-
Revenue as Reported	130.61	142.18	133.31	32.71	11.26

Updated Mar 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.