Repco Home Finance 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	17,192	16,697	15,148	12,837	12,902	13,735
Total Interest Expense	9,825	9,651	8,424	7,007	6,900	7,950
Net Interest Income	7,367	7,045	6,724	5,831	6,002	5,785
Other Revenue	477.6	467.6	205.2	15.8	17.6	22
Revenue Before Loan Losses	7,879	7,513	6,930	5,846	6,020	5,807
Provision for Loan Losses	-430.4	-375.7	-5.1	515.5	2,331	775.5
Revenue	8,310	7,889	6,935	5,331	3,689	5,031
Revenue Growth (YoY)	7.05%	13.76%	30.09%	44.49%	-26.67%	6.77%
Salaries & Employee Benefits	1,381	1,199	1,022	878.9	786.3	713.5
Cost of Services Provided	169.8	169.8	139.5	104.8	61.8	47.3
Other Operating Expenses	591.2	439.5	398.7	328.2	263.3	376.5
Total Operating Expenses	2,472	2,095	1,742	1,462	1,240	1,299
Operating Income	5,838	5,794	5,193	3,869	2,449	3,732
Earnings From Equity Investments	260.8	258.3	216.1	202	25.6	126.1
EBT Excluding Unusual Items	6,141	6,094	5,431	4,209	2,621	4,024
Pretax Income	6,142	6,095	5,432	4,210	2,621	4,024
Income Tax Expense	1,533	1,481	1,300	1,047	679.7	1,022
Net Income	4,609	4,615	4,132	3,163	1,941	3,002
Net Income to Common	4,609	4,615	4,132	3,163	1,941	3,002
Net Income Growth	1.40%	11.70%	30.63%	62.94%	-35.34%	0.69%
Shares Outstanding (Basic)	63	63	63	63	63	63
Shares Outstanding (Diluted)	63	63	63	63	63	63
Shares Change (YoY)	0.01%	-	-	-	-	-
EPS (Basic)	73.62	73.72	66.00	50.52	31.01	47.96
EPS (Diluted)	73.62	73.72	66.00	50.52	31.01	47.96
EPS Growth	1.38%	11.70%	30.63%	62.94%	-35.34%	0.69%
Free Cash Flow	-	-6,369	-7,080	-3,677	6,805	8,470
Free Cash Flow Per Share	-	-101.74	-113.09	-58.73	108.70	135.30
Dividend Per Share	8.500	4.000	3.000	2.700	2.500	2.500
Dividend Growth	183.33%	33.33%	11.11%	8.00%	-	-
Operating Margin	70.25%	73.44%	74.88%	72.58%	66.39%	74.18%
Profit Margin	55.46%	58.50%	59.58%	59.33%	52.61%	59.67%
Free Cash Flow Margin	-	-80.74%	-102.09%	-68.97%	184.44%	168.34%
Effective Tax Rate	24.95%	24.29%	23.94%	24.87%	25.94%	25.39%
Revenue as Reported	17,747	17,208	15,376	12,992	13,066	13,922

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