Usha Financial Services Limited (NSE:USHAFIN)

Usha Financial Services 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	596.34	632.22	450.82	249.35	253.88
Total Interest Expense	233.24	292.44	202.62	101.01	106.19
Net Interest Income	363.11	339.78	248.2	148.34	147.7
Other Revenue	8.83	5.69	4.2	2.62	4.97
Revenue Before Loan Losses	371.94	345.46	252.41	150.96	152.66
Provision for Loan Losses	62.44	42.7	-2.04	32.22	2.92
Revenue	309.5	302.76	254.45	118.74	149.74
Revenue Growth (YoY)	2.22%	18.99%	114.29%	-20.70%	-51.99%
Salaries & Employee Benefits	31.27	31.02	25.01	22.98	31.52
Cost of Services Provided	4.07	3.29	2.88	2.66	2.95
Other Operating Expenses	87.81	96.83	64.8	38.62	56.82
Total Operating Expenses	127.8	133.81	94.98	67.48	95.85
Operating Income	181.7	168.95	159.47	51.26	53.89
EBT Excluding Unusual Items	181.7	168.95	147.04	47.98	53.89
Gain (Loss) on Sale of Investments	-	-	-8.19	-	-4.79
Pretax Income	181.7	170.44	138.85	47.99	49.1
Income Tax Expense	43.69	42.55	36.01	12.19	10.54
Net Income	138.01	127.89	102.85	35.8	38.56
Net Income to Common	138.01	127.89	102.85	35.8	38.56
Net Income Growth	7.91%	24.35%	187.27%	-7.15%	-65.62%
Shares Outstanding (Basic)	37	31	25	19	19
Shares Outstanding (Diluted)	37	31	25	19	19
Shares Change (YoY)	17.87%	23.52%	29.58%	0.92%	-2.59%
EPS (Basic)	3.76	4.11	4.08	1.84	2.00
EPS (Diluted)	3.76	4.10	4.08	1.84	2.00
EPS Growth	-8.40%	0.62%	121.72%	-8.00%	-64.71%
Free Cash Flow	-979.6	629.65	-1,771	-374.66	-81.62
Free Cash Flow Per Share	-26.69	20.22	-70.27	-19.26	-4.23
Operating Margin	58.71%	55.80%	62.67%	43.17%	35.99%
Profit Margin	44.59%	42.24%	40.42%	30.15%	25.75%
Free Cash Flow Margin	-316.51%	207.97%	-696.17%	-315.53%	-54.51%
Effective Tax Rate	24.04%	24.96%	25.93%	25.40%	21.47%
Revenue as Reported	606.23	639.61	456.37	252.23	258.85

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