SRG Housing Finance Limited (NSE:SRGHFL)

SRG Housing 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	1,344	1,095	812.59	729.49	670.33
Total Interest Expense	620.43	496.09	361.24	296.76	297.72
Net Interest Income	723.31	598.88	451.35	432.73	372.61
Commissions and Fees	84.69	56.03	34.5	13.09	13.63
Gain (Loss) on Sale of Investments	-	0.09	1.12	-	0.97
Other Revenue	117.06	115.42	88.01	61.98	81.74
Revenue Before Loan Losses	925.06	770.41	574.98	507.8	468.96
Provision for Loan Losses	16.08	13.96	21.74	3.47	16.61
Revenue	908.98	756.46	553.25	504.32	452.36
Revenue Growth (YoY)	20.16%	36.73%	9.70%	11.49%	7.77%
Salaries & Employee Benefits	374.18	273.02	189.68	138.78	113.67
Cost of Services Provided	-	34.99	23.92	17.98	19.08
Other Operating Expenses	167.78	129.69	93.41	70.37	61.64
Total Operating Expenses	608.41	495.48	341.58	248.84	214.61
Operating Income	300.57	260.98	211.66	255.49	237.74
EBT Excluding Unusual Items	300.57	260.98	211.66	255.49	237.74
Gain (Loss) on Sale of Investments	-	-	-	-0.19	-
Other Unusual Items	-	-	-1.23	-	-
Pretax Income	300.57	260.98	210.43	255.3	237.74
Income Tax Expense	56.62	50.4	39.86	52.08	49.4
Net Income	243.95	210.59	170.57	203.22	188.34
Net Income to Common	243.95	210.59	170.57	203.22	188.34
Net Income Growth	15.84%	23.46%	-16.06%	7.90%	4.81%
Shares Outstanding (Basic)	14	13	13	13	13
Shares Outstanding (Diluted)	14	14	13	13	13
Shares Change (YoY)	3.62%	2.53%	1.28%	-	-
EPS (Basic)	17.45	16.18	13.12	15.63	14.49
EPS (Diluted)	17.44	15.60	12.95	15.63	14.49
EPS Growth	11.79%	20.46%	-17.15%	7.89%	4.83%
Free Cash Flow	-1,354	-1,439	-897.61	-14.35	-293.29
Free Cash Flow Per Share	-96.83	-106.59	-68.17	-1.10	-22.56
Operating Margin	33.07%	34.50%	38.26%	50.66%	52.56%
Profit Margin	26.84%	27.84%	30.83%	40.29%	41.63%
Free Cash Flow Margin	-149.01%	-190.23%	-162.25%	-2.84%	-64.83%
Effective Tax Rate	18.84%	19.31%	18.94%	20.40%	20.78%
Revenue as Reported	1,545	1,267	938.26	804.56	766.68

Updated Jan 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.