TruCap Finance Limited (NSE:TRU)

TruCap Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	1,754	1,166	931.33	453.63	122.44	64.18
Total Interest Expense	1,006	786.92	507.92	243.6	42.31	16.86
Net Interest Income	747.32	379.35	423.4	210.03	80.13	47.32
Commissions and Fees	267.61	441.21	291.06	287.32	172.85	126.06
Gain (Loss) on Sale of Investments	10.98	10.98	7.75	16.47	-	-
Other Revenue	129.43	207.47	7.5	1.87	5.35	0.82
Revenue Before Loan Losses	1,155	1,039	729.71	515.68	258.33	174.2
Provision for Loan Losses	53.43	30.99	-34.02	20.73	4.37	3.37
Revenue	1,102	1,008	763.73	494.95	253.96	170.83
Revenue Growth (YoY)	21.77%	31.99%	54.30%	94.89%	48.66%	53.33%
Salaries & Employee Benefits	487.07	428.57	289.53	185.39	131.5	70.18
Cost of Services Provided	79.77	77.36	38.94	30.44	11.37	9.78
Other Operating Expenses	339.48	285.19	315.32	159.77	70.56	31.04
Total Operating Expenses	1,008	893.79	739.07	423.07	226.14	115.87
Operating Income	93.47	114.23	24.66	71.88	27.82	54.96
Currency Exchange Gain (Loss)	-	-	-	-	-	0
EBT Excluding Unusual Items	93.47	114.23	24.66	71.88	27.82	54.96
Pretax Income	93.47	114.23	24.66	71.88	27.82	55.43
Income Tax Expense	4.86	4.6	18.34	32.04	14.81	14.82
Net Income	88.61	109.63	6.31	39.85	13.01	40.61
Net Income to Common	88.61	109.63	6.31	39.85	13.01	40.61
Net Income Growth	53.93%	1636.32%	-84.16%	206.29%	-67.96%	90.27%
Shares Outstanding (Basic)	117	117	110	77	74	68
Shares Outstanding (Diluted)	118	117	112	98	97	72
Shares Change (YoY)	35.97%	5.04%	13.39%	1.62%	35.15%	14.33%
EPS (Basic)	0.76	0.94	0.06	0.52	0.18	0.60
EPS (Diluted)	0.75	0.93	0.06	0.45	0.14	0.57
EPS Growth	11.86%	1518.29%	-87.23%	221.43%	-75.27%	66.47%
Free Cash Flow	-	-2,217	-1,654	-2,208	-933.75	115.34
Free Cash Flow Per Share	-	-18.90	-14.81	-22.42	-9.63	1.61
Dividend Per Share	-	0.010	0.010	0.010	0.010	0.020
Dividend Growth	-	-	-	-	-50.00%	-60.00%
Operating Margin	8.48%	11.33%	3.23%	14.52%	10.96%	32.17%
Profit Margin	8.04%	10.88%	0.83%	8.05%	5.12%	23.77%
Free Cash Flow Margin	-	-219.96%	-216.56%	-446.20%	-367.67%	67.52%
Effective Tax Rate	5.20%	4.03%	74.39%	44.57%	53.24%	26.74%
Revenue as Reported	2,164	1,828	1,238	759.82	300.64	192.94

Updated Feb 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.