SMFG India Credit Company Ltd Financial Statement
*All values are in Rs. Cr
| Particulars | Dec 2025 | Sep 2025 | Jun 2025 |
|---|---|---|---|
| Revenue | 2,792.39 | 2,695.07 | 2,495.75 |
| Operating Expense | 1,709.36 | 1,804.76 | 1,568.58 |
| Net Profit | 107.63 | -24.61 | 32.63 |
| Net Profit Margin | 3.85 | -0.91 | 1.31 |
| Earning Per Share | 0.41 | -0.09 | 0.12 |
| EBIDTA | 1,085.33 | 952.67 | 958.45 |
| Effective Tax Rate | 3.66 | 6.20 | 4.71 |
| Particulars | Dec 2025 |
|---|---|
| Revenue | 2792.39 |
| Operating Expense | 1709.36 |
| Net Profit | 107.63 |
| Net Profit Margin | 3.85 |
| Earning Per Share | 0.41 |
| EBIDTA | 1085.33 |
| Effective Tax Rate | 3.66 |
*All values are in Rs. Cr
Standalone
Consolidated
| Particulars | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|
| Total Revenue Annual | 8,844.34 | 7,103.88 | 5,016.65 |
| Operating Expenses Annual | 8,216.07 | 6,157.38 | 4,027.10 |
| Operating Profit Annual | 3,683.51 | 3,457.26 | 2,769.86 |
| Interest Annual | 3,030.33 | 2,501.95 | 1,767.14 |
| Depreciation | 153.65 | 108.08 | 108.18 |
| Net Profit Annual | 343.93 | 613.91 | 670.14 |
| Tax Annual | 121.84 | 205.23 | 224.40 |
| Particulars | Mar 2025 |
|---|---|
| Total Revenue Annual | 8,844.34 |
| Operating Expenses Annual | 8,216.07 |
| Operating Profit Annual | 3,683.51 |
| Interest Annual | 3,030.33 |
| Depreciation | 153.65 |
| Net Profit Annual | 343.93 |
| Tax Annual | 121.84 |
*All values are in Rs. Cr
Standalone
Consolidated
| Particulars | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|
| Cash Flow at the Beginning | 1,639.11 | 2,515.61 | 1,096.48 |
| Cash Flow from Operations | -8,982.29 | -4,490.90 | -8,575.88 |
| Cash Flow from Investing | -2,106.61 | 210 | -1,191.08 |
| Cash Flow from Financing | 11,347.58 | 3,404.40 | 11,186.09 |
| Cash Flow at the End | 1,897.79 | 1,639.11 | 2,515.61 |
| Particulars | Mar 2025 |
|---|---|
| Cash Flow at the Beginning | 1,639.11 |
| Cash Flow from Operations | -8,982.29 |
| Cash Flow from Investing | -2,106.61 |
| Cash Flow from Financing | 11,347.58 |
| Cash Flow at the End | 1,897.79 |
*All values are in Rs. Cr
Standalone
Consolidated
| Particulars | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|
| PBDIT Margin (%) | 41.53 | 48.61 | 55.07 |
| PBIT Margin (%) | 39.42 | 46.69 | 52.92 |
| PBT Margin (%) | 39.41 | 46.67 | 52.89 |
| Net PROFIT Margin (%) | 3.88 | 8.63 | 13.32 |
| Return On Networth / Equity (%) | 4.23 | 11.05 | 13.63 |
| Return On Networth /Employed (%) | 7.93 | 9.22 | 9.53 |
| Return On Assets (%) | 0.78 | 1.73 | 2.40 |
| Total Debt / Equity (X) | 4.42 | 5.48 | 4.68 |
| Asset Turnover Ratio (%) | 0.20 | 0.20 | 0.18 |
| Particulars | Mar 2025 |
|---|---|
| PBDIT Margin (%) | 41.53 |
| PBIT Margin (%) | 39.42 |
| PBT Margin (%) | 39.41 |
| Net PROFIT Margin (%) | 3.88 |
| Return On Networth / Equity (%) | 4.23 |
| Return On Networth /Employed (%) | 7.93 |
| Return On Assets (%) | 0.78 |
| Total Debt / Equity (X) | 4.42 |
| Asset Turnover Ratio (%) | 0.20 |
*All values are in Rs. Cr
Standalone
Consolidated
| Particulars | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|
| Fixed Assets Annual | 628.85 | 497.39 | 326.89 |
| Total Current Assets Annual | 4,131.27 | 2,510.44 | 3,033.17 |
| Non Current Assets Annual | 48,374.80 | 38,230.16 | 32,448.32 |
| Total Shareholders Funds Annual | 10,422.35 | 5,844.44 | 5,271.84 |
| Total Assets Annual | 52,506.07 | 40,740.60 | 35,481.49 |
| Particulars | Mar 2025 |
|---|---|
| Fixed Assets Annual | 628.85 |
| Total Current Assets Annual | 4,131.27 |
| Non Current Assets Annual | 48,374.80 |
| Total Shareholders Funds Annual | 10,422.35 |
| Total Assets Annual | 52,506.07 |
EPS (INR)
Expected
1.08
Reported
1.10
Surprise
1.85%
Dec 2021
EPS beaten by 1.85%
Mar 2021
EPS beaten by 0.00%
