Finance House P.J.S.C. (ADX:FH)
United Arab Emirates · Delayed Price · Currency is AED 2.100
0.00 (0.00%)
At close: Jun 12, 2026
Finance House P.J.S.C. Income Statement
Financials in millions AED. Fiscal year is January - December.
Millions AED. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest and Dividend Income | 251.87 | 281.38 | 229.05 | 206.2 | 205.95 |
Total Interest Expense | 94.7 | 98.56 | 82.97 | 54.56 | 42.62 |
Net Interest Income | 157.17 | 182.82 | 146.08 | 151.64 | 163.34 |
Commissions and Fees | 36.01 | 30.66 | 28.99 | 31.08 | 29.25 |
Other Revenue | -7.72 | -28.85 | -43.44 | -26.5 | 51.6 |
Revenue Before Loan Losses | 185.46 | 184.64 | 131.63 | 156.22 | 244.18 |
Provision for Loan Losses | 33.38 | 47.36 | 22.23 | 38.29 | 53.09 |
| 152.08 | 137.28 | 109.39 | 117.93 | 191.09 | |
Revenue Growth (YoY) | 10.78% | 25.49% | -7.24% | -38.29% | -6.64% |
Salaries & Employee Benefits | 86.93 | 91.67 | 91 | 86.25 | 102.85 |
Cost of Services Provided | 54.93 | 50.12 | 54.37 | 54.87 | 74.51 |
Other Operating Expenses | -20.35 | -21.88 | -57.75 | -23.93 | -25.38 |
Total Operating Expenses | 134.34 | 130.32 | 94.19 | 124.99 | 165.43 |
Operating Income | 17.74 | 6.96 | 15.21 | -7.06 | 25.66 |
Earnings From Equity Investments | 2.49 | 1.3 | -0.4 | -4.27 | -2.91 |
EBT Excluding Unusual Items | 20.23 | 8.26 | 14.81 | -11.33 | 22.76 |
Pretax Income | 20.23 | 8.26 | 14.81 | -11.33 | 22.76 |
Income Tax Expense | 2.48 | 0.77 | - | - | - |
Earnings From Continuing Ops. | 17.75 | 7.49 | 14.81 | -11.33 | 22.76 |
Minority Interest in Earnings | -5.55 | 8.2 | 21.18 | 13.24 | -7.27 |
Net Income | 12.2 | 15.68 | 35.98 | 1.92 | 15.48 |
Preferred Dividends & Other Adjustments | 20.98 | 19.34 | 21.86 | 18.96 | 19.26 |
Net Income to Common | -8.78 | -3.66 | 14.12 | -17.04 | -3.78 |
Net Income Growth | -22.22% | -56.41% | 1778.08% | -87.63% | 10.88% |
Shares Outstanding (Basic) | 271 | 271 | 273 | 281 | 281 |
Shares Outstanding (Diluted) | 271 | 271 | 273 | 281 | 281 |
Shares Change (YoY) | - | -0.63% | -2.99% | -0.11% | -5.91% |
EPS (Basic) | -0.03 | -0.01 | 0.05 | -0.06 | -0.01 |
EPS (Diluted) | -0.03 | -0.01 | 0.05 | -0.06 | -0.01 |
Free Cash Flow | 819.07 | 71.27 | -375.93 | 307.41 | -56.21 |
Free Cash Flow Per Share | 3.02 | 0.26 | -1.38 | 1.09 | -0.20 |
Operating Margin | 11.67% | 5.07% | 13.90% | -5.99% | 13.43% |
Profit Margin | -5.78% | -2.66% | 12.91% | -14.45% | -1.98% |
Free Cash Flow Margin | 538.58% | 51.91% | -343.65% | 260.68% | -29.42% |
Effective Tax Rate | 12.27% | 9.31% | - | - | - |