Paisalo Digital 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	8,343	6,964	5,890	4,650	3,922	3,460
Total Interest Expense	3,726	3,283	2,701	2,087	1,841	1,620
Net Interest Income	4,617	3,681	3,189	2,564	2,081	1,841
Commissions and Fees	414.49	711.32	624.16	81.61	-	-
Gain (Loss) on Sale of Investments	2.67	2.67	9.56	-	-	-
Other Revenue	5.78	33.25	63.84	-	-	-
Revenue Before Loan Losses	5,040	4,428	3,887	2,645	2,081	1,841
Provision for Loan Losses	351.18	255.12	117.79	539.01	546.4	537.16
Revenue	4,689	4,173	3,769	2,106	1,535	1,304
Revenue Growth (YoY)	16.20%	10.72%	78.95%	37.23%	17.74%	-2.18%
Salaries & Employee Benefits	744.9	628.61	490.28	346.71	257.55	233.18
Cost of Services Provided	134.31	134.31	288.11	166.5	31.38	93.5
Other Operating Expenses	833.2	648.08	550.11	253.7	142.01	165.99
Total Operating Expenses	1,810	1,466	1,362	799.81	463.27	530.08
Operating Income	2,879	2,707	2,406	1,306	1,071	773.44
Currency Exchange Gain (Loss)	-28.98	-28.98	-	-	-	-
EBT Excluding Unusual Items	2,850	2,678	2,406	1,306	1,071	773.44
Other Unusual Items	-0	7.84	4.76	-45.29	-0.33	4.23
Pretax Income	2,845	2,684	2,412	1,262	1,071	777.68
Income Tax Expense	732.52	682.35	622.11	326.19	278.71	197.87
Net Income	2,113	2,001	1,790	936.19	792.51	579.8
Preferred Dividends & Other Adjustments	-	-	-	-0	-	-
Net Income to Common	2,113	2,001	1,790	936.19	792.51	579.8
Net Income Growth	10.93%	11.82%	91.17%	18.13%	36.69%	7.11%
Shares Outstanding (Basic)	904	899	463	890	847	846
Shares Outstanding (Diluted)	904	899	463	890	847	846
Shares Change (YoY)	-2.40%	94.32%	-48.00%	5.03%	0.13%	-0.00%
EPS (Basic)	2.34	2.23	3.87	1.05	0.94	0.69
EPS (Diluted)	2.34	2.23	3.87	1.05	0.94	0.69
EPS Growth	13.66%	-42.46%	268.50%	12.30%	36.40%	7.11%
Free Cash Flow	-	-8,543	-5,735	-4,584	-3,977	-979.59
Free Cash Flow Per Share	-	-9.51	-12.40	-5.15	-4.70	-1.16
Dividend Per Share	-	0.100	0.100	0.050	0.050	0.050
Dividend Growth	-	-	100.00%	-	-	-
Operating Margin	61.40%	64.88%	63.85%	62.03%	69.81%	59.34%
Profit Margin	45.06%	47.96%	47.49%	44.45%	51.64%	44.48%
Free Cash Flow Margin	-	-204.73%	-152.16%	-217.66%	-259.13%	-75.15%
Effective Tax Rate	25.75%	25.43%	25.79%	25.84%	26.02%	25.44%
Revenue as Reported	8,765	7,711	6,587	4,732	3,922	3,460

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