Satin Creditcare Network 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	24,626	22,797	18,818	12,490	12,278
Total Interest Expense	10,983	10,269	8,972	6,129	6,288
Net Interest Income	13,642	12,527	9,845	6,361	5,990
Commissions and Fees	281.54	370.65	653.68	767.44	812.68
Gain (Loss) on Sale of Investments	-	-	121.55	37.66	26.48
Other Revenue	6,702	2,619	2,798	2,212	686.53
Revenue Before Loan Losses	20,626	15,517	13,418	9,378	7,516
Provision for Loan Losses	4,949	5,204	1,508	4,000	1,807
Revenue	15,676	10,312	11,910	5,379	5,708
Revenue Growth (YoY)	52.02%	-13.42%	121.44%	-5.78%	23.29%
Salaries & Employee Benefits	6,864	5,755	4,479	3,876	3,931
Cost of Services Provided	-	-	173.1	246.04	176.69
Other Operating Expenses	2,058	1,710	1,174	1,021	1,100
Total Operating Expenses	9,225	7,738	6,053	5,327	5,368
Operating Income	6,451	2,574	5,858	51.25	339.93
Currency Exchange Gain (Loss)	-2,131	-216.68	-	-	-
EBT Excluding Unusual Items	4,321	2,358	5,832	51.25	346.93
Other Unusual Items	-	-	1.56	0.76	0.78
Pretax Income	4,321	2,358	5,829	52.41	341.79
Income Tax Expense	998.44	496.42	1,469	4.28	134.8
Earnings From Continuing Ops.	3,322	1,861	4,359	48.13	206.99
Minority Interest in Earnings	-0.23	-	-	-	-
Net Income	3,322	1,861	4,359	48.13	206.99
Net Income to Common	3,322	1,861	4,359	48.13	206.99
Net Income Growth	78.47%	-57.30%	8957.32%	-76.75%	-
Shares Outstanding (Basic)	110	110	98	78	70
Shares Outstanding (Diluted)	110	110	101	82	76
Shares Change (YoY)	-0.01%	9.19%	23.11%	7.62%	22.66%
EPS (Basic)	30.20	16.92	44.34	0.62	2.96
EPS (Diluted)	30.20	16.92	43.27	0.59	2.72
EPS Growth	78.49%	-60.90%	7233.90%	-78.31%	-
Free Cash Flow	-9,985	-5,829	-20,817	-9,660	3,302
Free Cash Flow Per Share	-90.78	-52.99	-206.63	-118.05	43.43
Operating Margin	41.15%	24.96%	49.18%	0.95%	5.96%
Profit Margin	21.19%	18.05%	36.60%	0.90%	3.63%
Free Cash Flow Margin	-63.70%	-56.53%	-174.78%	-179.61%	57.85%
Effective Tax Rate	23.11%	21.05%	25.21%	8.16%	39.44%
Revenue as Reported	31,609	25,786	22,405	15,509	13,811

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