Repco Home Finance Limited (NSE:REPCOHOME)

Repco Home Finance 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	16,697	15,245	12,837	12,902	13,735
Total Interest Expense	9,659	8,416	7,007	6,900	7,950
Net Interest Income	7,038	6,829	5,831	6,002	5,785
Other Revenue	154.8	31.5	15.8	17.6	22
Revenue Before Loan Losses	7,193	6,861	5,846	6,020	5,807
Provision for Loan Losses	-375.7	-5.1	515.5	2,331	775.5
Revenue	7,569	6,866	5,331	3,689	5,031
Revenue Growth (YoY)	10.24%	28.80%	44.49%	-26.67%	6.77%
Salaries & Employee Benefits	1,199	1,022	878.9	786.3	713.5
Cost of Services Provided	-	139.6	104.8	61.8	47.3
Other Operating Expenses	602.1	406.4	328.2	263.3	376.5
Total Operating Expenses	2,088	1,750	1,462	1,240	1,299
Operating Income	5,481	5,116	3,869	2,449	3,732
Earnings From Equity Investments	258.3	216.1	202	25.6	126.1
EBT Excluding Unusual Items	6,095	5,463	4,209	2,621	4,024
Pretax Income	6,095	5,463	4,210	2,621	4,024
Income Tax Expense	1,481	1,300	1,047	679.7	1,022
Net Income	4,615	4,163	3,163	1,941	3,002
Net Income to Common	4,615	4,163	3,163	1,941	3,002
Net Income Growth	10.85%	31.63%	62.94%	-35.34%	0.69%
Shares Outstanding (Basic)	63	63	63	63	63
Shares Outstanding (Diluted)	63	63	63	63	63
Shares Change (YoY)	-0.06%	-	-	-	-
EPS (Basic)	73.76	66.50	50.52	31.01	47.96
EPS (Diluted)	73.76	66.50	50.52	31.01	47.96
EPS Growth	10.91%	31.63%	62.94%	-35.34%	0.69%
Free Cash Flow	-6,331	-7,074	-3,677	6,805	8,470
Free Cash Flow Per Share	-101.19	-113.00	-58.73	108.70	135.30
Dividend Per Share	4.000	3.000	2.700	2.500	2.500
Dividend Growth	33.33%	11.11%	8.00%	-	-
Operating Margin	72.42%	74.51%	72.58%	66.39%	74.18%
Profit Margin	60.97%	60.63%	59.33%	52.61%	59.67%
Free Cash Flow Margin	-83.65%	-103.03%	-68.97%	184.44%	168.34%
Effective Tax Rate	24.29%	23.80%	24.87%	25.94%	25.39%
Revenue as Reported	17,208	15,408	12,992	13,066	13,922

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