Manx Financial Group Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. 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	58.91	55.93	46.89	30.74	22.95
Total Interest Expense	21.41	23.14	14.53	6.39	4.97
Net Interest Income	37.5	32.79	32.36	24.35	17.98
Commissions and Fees	4	3.92	4	4.72	4.62
Gain (Loss) on Sale of Investments	2.56	4.27	1.89	0.29	-0
Other Revenue	0.04	0.02	0.2	-0.02	0.03
Revenue Before Loan Losses	44.09	41	38.45	29.34	22.63
Provision for Loan Losses	3.34	1.75	4.14	3.99	4.36
Revenue	40.76	39.25	34.31	25.35	18.27
Revenue Growth (YoY)	3.85%	14.38%	35.33%	38.77%	14.87%
Salaries & Employee Benefits	13.37	12.5	12.17	9.76	7.16
Cost of Services Provided	7.51	7.61	7.78	3.93	3.6
Other Operating Expenses	11.1	8.04	5.81	4.93	3.76
Total Operating Expenses	33.51	29.43	27.27	19.96	15.92
Operating Income	7.25	9.81	7.04	5.39	2.35
Earnings From Equity Investments	0.09	0.12	-	0.02	0.03
EBT Excluding Unusual Items	7.34	9.93	7.04	5.41	2.38
Impairment of Goodwill	-	-	-	-0.2	-
Other Unusual Items	-	-	-	-	0.66
Pretax Income	7.34	9.93	7.04	5.21	3.04
Income Tax Expense	0.94	1.38	0.9	0.54	0.23
Earnings From Continuing Ops.	6.39	8.55	6.14	4.67	2.81
Minority Interest in Earnings	-0	-0.45	-0.85	-0.34	-0.02
Net Income	6.39	8.1	5.29	4.33	2.79
Net Income to Common	6.39	8.1	5.29	4.33	2.79
Net Income Growth	-21.13%	53.22%	22.10%	55.07%	44.34%
Shares Outstanding (Basic)	120	118	115	115	114
Shares Outstanding (Diluted)	155	153	156	154	151
Shares Change (YoY)	1.28%	-1.44%	1.23%	1.97%	-3.00%
EPS (Basic)	0.05	0.07	0.05	0.04	0.02
EPS (Diluted)	0.04	0.05	0.04	0.03	0.02
EPS Growth	-21.10%	53.76%	19.79%	49.21%	45.19%
Free Cash Flow	4.48	6.1	16.88	-4.48	0.8
Free Cash Flow Per Share	0.03	0.04	0.11	-0.03	0.01
Dividend Per Share	0.005	0.007	0.005	0.004	0.002
Dividend Growth	-23.21%	48.65%	20.96%	54.07%	41.70%
Operating Margin	17.79%	25.00%	20.53%	21.27%	12.87%
Profit Margin	15.68%	20.64%	15.41%	17.08%	15.29%
Free Cash Flow Margin	10.99%	15.55%	49.19%	-17.67%	4.36%
Effective Tax Rate	12.87%	13.94%	12.82%	10.30%	7.69%

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