SBFC Finance 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	15,543	11,974	9,184	6,542	4,731
Total Interest Expense	5,374	4,192	3,506	2,765	2,206
Net Interest Income	10,169	7,781	5,677	3,777	2,525
Commissions and Fees	1,059	699.14	709.06	412.52	272.39
Gain (Loss) on Sale of Investments	-	176.95	175.14	148.06	-
Other Revenue	193.96	164.85	85.01	249.47	260.66
Revenue Before Loan Losses	11,421	8,822	6,646	4,587	3,058
Provision for Loan Losses	1,255	737.2	470.26	320.56	360.88
Revenue	10,166	8,085	6,176	4,266	2,697
Revenue Growth (YoY)	25.74%	30.91%	44.76%	58.17%	15.54%
Salaries & Employee Benefits	2,861	2,532	2,171	1,601	1,095
Cost of Services Provided	-	91.08	72.61	50.09	22.16
Other Operating Expenses	1,068	699.55	639.9	486.99	593.96
Total Operating Expenses	4,130	3,491	3,018	2,265	1,829
Operating Income	6,036	4,594	3,158	2,001	868.2
EBT Excluding Unusual Items	6,036	4,594	3,163	2,017	868.64
Other Unusual Items	-	1.72	0.55	4.3	1.67
Pretax Income	6,036	4,587	3,161	2,014	866.96
Income Tax Expense	1,528	1,134	790.35	516.3	221.75
Net Income	4,508	3,453	2,371	1,497	645.21
Net Income to Common	4,508	3,453	2,371	1,497	645.21
Net Income Growth	30.56%	45.63%	58.35%	132.07%	-24.10%
Shares Outstanding (Basic)	1,092	1,077	1,011	878	798
Shares Outstanding (Diluted)	1,100	1,096	1,033	926	816
Shares Change (YoY)	0.31%	6.13%	11.55%	13.43%	1.91%
EPS (Basic)	4.13	3.21	2.35	1.71	0.81
EPS (Diluted)	4.10	3.15	2.30	1.62	0.79
EPS Growth	30.16%	36.96%	41.98%	105.06%	-25.47%
Free Cash Flow	-19,039	-14,240	-11,663	-12,524	-8,290
Free Cash Flow Per Share	-17.31	-12.99	-11.29	-13.53	-10.15
Operating Margin	59.37%	56.82%	51.13%	46.90%	32.19%
Profit Margin	44.35%	42.71%	38.39%	35.10%	23.92%
Free Cash Flow Margin	-187.27%	-176.13%	-188.83%	-293.54%	-307.32%
Effective Tax Rate	25.31%	24.73%	25.00%	25.64%	25.58%
Revenue as Reported	16,795	13,067	10,199	7,404	5,307

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