India Shelter Finance Corporation Limited (NSE:INDIASHLTR)

NSE:INDIASHLTR 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	9,434	7,026	5,029	3,736	2,746
Total Interest Expense	3,546	2,883	2,096	1,483	1,053
Net Interest Income	5,888	4,142	2,933	2,253	1,693
Commissions and Fees	1,145	377.89	315.84	200.58	99.93
Other Revenue	1,177	1,209	714.29	660.3	380.14
Revenue Before Loan Losses	8,210	5,729	3,963	3,114	2,173
Provision for Loan Losses	253.94	193.62	110.76	116.48	196.81
Revenue	7,956	5,535	3,853	2,997	1,976
Revenue Growth (YoY)	43.73%	43.68%	28.53%	51.67%	38.27%
Salaries & Employee Benefits	2,291	1,794	1,346	1,013	619.64
Cost of Services Provided	95.15	62.3	43.53	26.95	21.03
Other Operating Expenses	564.05	387.93	363.39	223.35	155.76
Total Operating Expenses	3,066	2,344	1,835	1,329	847.41
Operating Income	4,890	3,192	2,018	1,669	1,129
EBT Excluding Unusual Items	4,890	3,192	2,018	1,669	1,129
Other Unusual Items	2.85	1.17	2.71	1.02	2.2
Pretax Income	4,892	3,192	2,020	1,669	1,130
Income Tax Expense	1,113	715.85	466.1	384.54	255.68
Net Income	3,779	2,476	1,553	1,284	873.89
Net Income to Common	3,779	2,476	1,553	1,284	873.89
Net Income Growth	52.62%	59.39%	20.94%	46.98%	86.28%
Shares Outstanding (Basic)	107	94	88	87	86
Shares Outstanding (Diluted)	111	98	89	88	88
Shares Change (YoY)	13.25%	10.57%	1.32%	-0.24%	1.32%
EPS (Basic)	35.18	26.32	17.75	14.80	10.19
EPS (Diluted)	33.93	25.18	17.47	14.63	9.93
EPS Growth	34.75%	44.13%	19.41%	47.33%	83.89%
Free Cash Flow	-14,438	-12,386	-8,586	-5,004	-4,226
Free Cash Flow Per Share	-129.64	-125.94	-96.53	-57.00	-48.03
Dividend Per Share	5.000	-	-	-	-
Operating Margin	61.47%	57.66%	52.38%	55.67%	57.12%
Profit Margin	47.49%	44.73%	40.32%	42.85%	44.22%
Free Cash Flow Margin	-181.47%	-223.75%	-222.85%	-166.93%	-213.85%
Effective Tax Rate	22.75%	22.43%	23.08%	23.04%	22.63%
Revenue as Reported	11,759	8,614	6,062	4,598	3,228

Updated Feb 6, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.