Housing and Urban Development Corporation Limited (BOM:540530)

BOM:540530 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	102,077	76,591	69,835	68,881	71,761
Total Interest Expense	67,475	49,600	45,038	45,325	47,647
Net Interest Income	34,603	26,991	24,797	23,556	24,114
Commissions and Fees	-	6.4	26.6	25.7	63.9
Other Revenue	1,407	2,697	997.1	1,065	900
Revenue Before Loan Losses	36,009	29,694	25,820	24,646	25,078
Provision for Loan Losses	-4,105	-2,081	-736.9	-2,457	-736.3
Revenue	40,114	31,775	26,557	27,103	25,814
Revenue Growth (YoY)	26.24%	19.65%	-2.01%	4.99%	0.49%
Salaries & Employee Benefits	2,300	2,325	1,866	2,181	2,063
Cost of Services Provided	519.3	662.8	645	655.5	1,033
Other Operating Expenses	821.6	432.2	1,009	732.5	415
Total Operating Expenses	3,748	3,519	3,633	3,648	3,580
Operating Income	36,367	28,257	22,924	23,455	22,234
Earnings From Equity Investments	-	-0.5	-1.9	-1.9	-0.8
Currency Exchange Gain (Loss)	-	-8.3	-32.6	3.8	49.4
EBT Excluding Unusual Items	36,367	28,248	22,892	23,458	22,286
Gain (Loss) on Sale of Investments	-	109.5	-	-	-
Pretax Income	36,367	28,434	22,892	23,458	22,286
Income Tax Expense	9,275	7,267	5,878	6,293	6,501
Net Income	27,091	21,167	17,014	17,164	15,785
Net Income to Common	27,091	21,167	17,014	17,164	15,785
Net Income Growth	27.99%	24.41%	-0.87%	8.74%	-7.59%
Shares Outstanding (Basic)	2,002	2,002	2,002	2,002	2,002
Shares Outstanding (Diluted)	2,002	2,002	2,002	2,002	2,002
Shares Change (YoY)	0.02%	-	-	-	-
EPS (Basic)	13.53	10.57	8.50	8.57	7.89
EPS (Diluted)	13.53	10.57	8.50	8.57	7.89
EPS Growth	28.00%	24.37%	-0.83%	8.69%	-7.56%
Free Cash Flow	-316,244	-102,909	-8,529	-8,123	21,501
Free Cash Flow Per Share	-157.94	-51.41	-4.26	-4.06	10.74
Dividend Per Share	-	4.150	3.850	3.500	2.175
Dividend Growth	-	7.79%	10.00%	60.92%	-29.84%
Operating Margin	90.66%	88.93%	86.32%	86.54%	86.13%
Profit Margin	67.54%	66.62%	64.07%	63.33%	61.15%
Free Cash Flow Margin	-788.36%	-323.87%	-32.12%	-29.97%	83.29%
Effective Tax Rate	25.50%	25.56%	25.68%	26.83%	29.17%
Revenue as Reported	103,484	79,481	70,862	69,977	72,777

Updated Jan 23, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.