NSE:PFS 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	5,084	6,232	7,506	7,666	9,247	11,052
Total Interest Expense	2,523	3,211	4,100	4,335	5,772	7,489
Net Interest Income	2,561	3,022	3,406	3,331	3,475	3,564
Commissions and Fees	39.5	43.2	57.2	207.27	246.89	218.37
Other Revenue	338.3	58.4	47.7	38.12	35.04	43.89
Revenue Before Loan Losses	2,939	3,123	3,511	3,577	3,757	3,826
Provision for Loan Losses	-1,427	7.9	22.4	801.69	1,680	2,312
Revenue	4,366	3,115	3,488	2,775	2,077	1,514
Revenue Growth (YoY)	22.06%	-10.70%	25.71%	33.63%	37.15%	-38.73%
Salaries & Employee Benefits	221.2	184.6	205.8	196.33	189.3	167.43
Cost of Services Provided	23.6	30.2	36.8	40.53	39.84	42.06
Other Operating Expenses	68.2	91.2	1,172	228.56	180.67	364.08
Total Operating Expenses	386.8	371.6	1,479	526.23	470.52	633.11
Operating Income	3,979	2,744	2,009	2,249	1,606	880.92
Currency Exchange Gain (Loss)	-4.3	-4.3	-4.3	15.45	-25.43	-26.47
EBT Excluding Unusual Items	4,057	2,785	2,160	2,323	1,739	934.24
Pretax Income	4,032	2,785	2,160	2,324	1,739	934.18
Income Tax Expense	711.9	614.7	552.3	565.61	439.27	678.15
Net Income	3,320	2,171	1,608	1,758	1,300	256.03
Net Income to Common	3,320	2,171	1,608	1,758	1,300	256.03
Net Income Growth	92.21%	35.02%	-8.57%	35.25%	407.69%	-76.72%
Shares Outstanding (Basic)	642	642	642	642	642	642
Shares Outstanding (Diluted)	642	642	642	642	642	642
Shares Change (YoY)	-0.26%	-	-	-	-	-
EPS (Basic)	5.17	3.38	2.50	2.74	2.02	0.40
EPS (Diluted)	5.17	3.38	2.50	2.74	2.02	0.40
EPS Growth	92.90%	35.17%	-8.67%	35.51%	406.74%	-76.69%
Free Cash Flow	-	11,364	25,624	18,869	27,199	13,109
Free Cash Flow Per Share	-	17.69	39.90	29.38	42.35	20.41
Dividend Per Share	-	-	-	1.000	-	-
Operating Margin	91.14%	88.07%	57.60%	81.04%	77.34%	58.18%
Profit Margin	76.05%	69.67%	46.08%	63.36%	62.60%	16.91%
Free Cash Flow Margin	-	364.78%	734.58%	680.02%	1309.86%	865.80%
Effective Tax Rate	17.66%	22.07%	25.57%	24.34%	25.26%	72.59%
Revenue as Reported	5,544	6,380	7,766	7,971	9,688	11,394

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