IBL Finance 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	171.43	129.57	141.22	133.05	32.71
Total Interest Expense	61.85	31.18	2.62	11.38	0.63
Net Interest Income	109.58	98.39	138.6	121.68	32.08
Gain (Loss) on Sale of Investments	-	0.06	0.03	0.24	-
Other Revenue	1.85	0.98	0.92	0	-
Revenue Before Loan Losses	111.43	99.42	139.56	121.92	32.08
Provision for Loan Losses	19.85	13.26	37.19	32.24	7.02
Revenue	91.58	86.17	102.37	89.68	25.06
Revenue Growth (YoY)	6.28%	-15.83%	14.15%	257.84%	150.09%
Salaries & Employee Benefits	26.25	20.34	29.81	25.99	10.21
Cost of Services Provided	-	4.45	10.79	16.43	4.99
Other Operating Expenses	27.43	25.69	29	18.04	3.33
Total Operating Expenses	59.59	55.65	72	60.98	19.05
Operating Income	31.99	30.52	30.37	28.7	6.01
EBT Excluding Unusual Items	31.99	30.52	30.37	28.7	6.01
Pretax Income	31.99	29.94	30.35	28.64	5.65
Income Tax Expense	7.59	6.39	7.52	8.17	1.38
Net Income	24.4	23.55	22.84	20.47	4.27
Net Income to Common	24.4	23.55	22.84	20.47	4.27
Net Income Growth	3.60%	3.15%	11.58%	378.96%	-
Shares Outstanding (Basic)	25	25	20	17	15
Shares Outstanding (Diluted)	25	25	20	17	15
Shares Change (YoY)	-0.33%	26.56%	16.45%	14.38%	-
EPS (Basic)	0.99	0.95	1.17	1.22	0.29
EPS (Diluted)	0.99	0.95	1.17	1.22	0.29
EPS Growth	4.21%	-18.70%	-4.19%	320.57%	-
Free Cash Flow	-39.67	-465.7	-321.31	-78.52	-56.66
Free Cash Flow Per Share	-1.61	-18.83	-16.44	-4.68	-3.86
Operating Margin	34.93%	35.42%	29.67%	32.01%	23.98%
Profit Margin	26.65%	27.34%	22.31%	22.82%	17.05%
Free Cash Flow Margin	-43.32%	-540.48%	-313.87%	-87.56%	-226.09%
Effective Tax Rate	23.71%	21.33%	24.77%	28.53%	24.41%
Revenue as Reported	173.27	130.61	142.18	133.31	32.71