Paisalo Digital 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	9,047	6,964	5,890	4,650	3,922
Total Interest Expense	3,743	3,283	2,701	2,087	1,841
Net Interest Income	5,304	3,681	3,189	2,564	2,081
Commissions and Fees	389.61	711.32	624.16	81.61	-
Gain (Loss) on Sale of Investments	-	2.67	9.56	-	-
Other Revenue	-	33.25	63.84	-	-
Revenue Before Loan Losses	5,694	4,428	3,887	2,645	2,081
Provision for Loan Losses	421.54	255.12	117.79	539.01	546.4
Revenue	5,272	4,173	3,769	2,106	1,535
Revenue Growth (YoY)	26.34%	10.72%	78.95%	37.23%	17.74%
Salaries & Employee Benefits	764.16	628.61	490.28	346.71	257.55
Cost of Services Provided	-	134.31	288.11	166.5	31.38
Other Operating Expenses	1,189	648.08	550.11	253.7	142.01
Total Operating Expenses	2,075	1,466	1,362	799.81	463.27
Operating Income	3,197	2,707	2,406	1,306	1,071
Currency Exchange Gain (Loss)	-	-28.98	-	-	-
EBT Excluding Unusual Items	3,197	2,678	2,406	1,306	1,071
Gain (Loss) on Sale of Investments	-4.95	-	-	-	-
Other Unusual Items	-7.84	7.84	4.76	-45.29	-0.33
Pretax Income	3,184	2,684	2,412	1,262	1,071
Income Tax Expense	812.04	682.35	622.11	326.19	278.71
Net Income	2,372	2,001	1,790	936.19	792.51
Preferred Dividends & Other Adjustments	-	-	-	-0	-
Net Income to Common	2,372	2,001	1,790	936.19	792.51
Net Income Growth	18.53%	11.82%	91.17%	18.13%	36.69%
Shares Outstanding (Basic)	905	899	463	890	847
Shares Outstanding (Diluted)	905	899	463	890	847
Shares Change (YoY)	0.73%	94.32%	-48.00%	5.03%	0.13%
EPS (Basic)	2.62	2.23	3.87	1.05	0.94
EPS (Diluted)	2.62	2.23	3.87	1.05	0.94
EPS Growth	17.68%	-42.46%	268.50%	12.30%	36.40%
Free Cash Flow	-7,980	-8,543	-5,735	-4,584	-3,977
Free Cash Flow Per Share	-8.81	-9.51	-12.40	-5.15	-4.70
Dividend Per Share	-	0.100	0.100	0.050	0.050
Dividend Growth	-	-	100.00%	-	-
Operating Margin	60.64%	64.88%	63.85%	62.03%	69.81%
Profit Margin	44.99%	47.96%	47.49%	44.45%	51.64%
Free Cash Flow Margin	-151.36%	-204.73%	-152.16%	-217.66%	-259.13%
Effective Tax Rate	25.50%	25.43%	25.79%	25.84%	26.02%
Revenue as Reported	9,437	7,711	6,587	4,732	3,922

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