NSE:SPANDANA 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	11,242	21,943	22,381	12,775	13,365	13,627
Total Interest Expense	5,473	9,118	9,189	4,436	5,372	4,196
Net Interest Income	5,769	12,826	13,193	8,339	7,993	9,431
Commissions and Fees	-	-	-	-	64.68	97
Other Revenue	839.1	2,298	2,725	1,608	952.56	990.39
Revenue Before Loan Losses	6,608	15,123	15,918	9,947	9,011	10,518
Provision for Loan Losses	9,449	15,897	714.8	8,186	1,500	3,637
Revenue	-2,842	-774.2	15,203	1,761	7,511	6,882
Revenue Growth (YoY)	-	-	763.27%	-76.55%	9.14%	-37.64%
Salaries & Employee Benefits	5,806	6,318	4,732	3,041	2,272	1,715
Cost of Services Provided	342.7	342.7	270.6	198.9	106.77	-
Other Operating Expenses	5,927	6,126	3,292	-1,766	4,044	235.35
Total Operating Expenses	12,269	13,014	8,499	1,583	6,515	2,027
Operating Income	-15,111	-13,788	6,704	178.5	995.8	4,855
EBT Excluding Unusual Items	-15,111	-13,788	6,704	178.5	966.76	2,004
Pretax Income	-15,111	-13,788	6,706	178.2	968.72	2,004
Income Tax Expense	-3,724	-3,436	1,699	54.3	270.45	549.85
Earnings From Continuing Ops.	-11,387	-10,352	5,007	123.9	698.27	1,455
Minority Interest in Earnings	0.6	0.6	-0.6	-0.8	-3.59	-4.17
Net Income	-11,386	-10,351	5,007	123.1	694.68	1,450
Net Income to Common	-11,386	-10,351	5,007	123.1	694.68	1,450
Net Income Growth	-	-	3967.10%	-82.28%	-52.11%	-58.73%
Shares Outstanding (Basic)	75	71	71	71	65	64
Shares Outstanding (Diluted)	75	71	72	71	65	65
Shares Change (YoY)	4.73%	-1.18%	1.73%	9.48%	0.34%	2.39%
EPS (Basic)	-152.50	-145.17	70.42	1.74	10.75	22.55
EPS (Diluted)	-152.50	-145.17	69.38	1.74	10.72	22.47
EPS Growth	-	-	3887.36%	-83.77%	-52.29%	-59.69%
Free Cash Flow	-	36,462	-27,047	-21,838	8,485	-17,695
Free Cash Flow Per Share	-	511.36	-374.83	-307.89	130.98	-274.06
Operating Margin	-	-	44.10%	10.14%	13.26%	70.55%
Profit Margin	-	-	32.93%	6.99%	9.25%	21.08%
Free Cash Flow Margin	-	-	-177.91%	-1240.02%	112.98%	-257.13%
Effective Tax Rate	-	-	25.33%	30.47%	27.92%	27.43%
Revenue as Reported	12,081	24,241	25,108	14,770	14,800	15,056

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