NSE:SPANDANA 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	9,653	21,943	22,381	12,775	13,365
Total Interest Expense	5,084	9,118	9,189	4,436	5,372
Net Interest Income	4,569	12,826	13,193	8,339	7,993
Commissions and Fees	-	-	-	-	64.68
Other Revenue	1,010	2,298	2,725	1,608	952.56
Revenue Before Loan Losses	5,580	15,123	15,918	9,947	9,011
Provision for Loan Losses	-	15,897	714.8	8,186	1,500
Revenue	5,580	-774.2	15,203	1,761	7,511
Revenue Growth (YoY)	-	-	763.27%	-76.55%	9.14%
Salaries & Employee Benefits	5,327	6,318	4,732	3,041	2,272
Cost of Services Provided	-	342.7	270.6	198.9	106.77
Other Operating Expenses	2,138	6,126	3,292	-1,766	4,044
Total Operating Expenses	7,627	13,014	8,499	1,583	6,515
Operating Income	-2,048	-13,788	6,704	178.5	995.8
EBT Excluding Unusual Items	-2,048	-13,788	6,704	178.5	966.76
Pretax Income	-9,255	-13,788	6,706	178.2	968.72
Income Tax Expense	-2,263	-3,436	1,699	54.3	270.45
Earnings From Continuing Ops.	-6,992	-10,352	5,007	123.9	698.27
Minority Interest in Earnings	0.6	0.6	-0.6	-0.8	-3.59
Net Income	-6,991	-10,351	5,007	123.1	694.68
Net Income to Common	-6,991	-10,351	5,007	123.1	694.68
Net Income Growth	-	-	3967.10%	-82.28%	-52.11%
Shares Outstanding (Basic)	77	71	71	71	65
Shares Outstanding (Diluted)	77	71	72	71	65
Shares Change (YoY)	7.73%	-1.18%	1.73%	9.48%	0.34%
EPS (Basic)	-91.01	-145.17	70.42	1.74	10.75
EPS (Diluted)	-91.01	-145.17	69.38	1.74	10.72
EPS Growth	-	-	3887.36%	-83.77%	-52.29%
Free Cash Flow	8,785	36,462	-27,047	-21,838	8,485
Free Cash Flow Per Share	114.36	511.36	-374.83	-307.89	130.98
Operating Margin	-36.70%	-	44.10%	10.14%	13.26%
Profit Margin	-125.30%	-	32.93%	6.99%	9.25%
Free Cash Flow Margin	157.44%	-	-177.91%	-1240.02%	112.98%
Effective Tax Rate	-	-	25.33%	30.47%	27.92%
Revenue as Reported	10,663	24,241	25,108	14,770	14,800

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