Bindar for Islamic Finance Company (ASE:BIND)

ASE:BIND Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	16.53	15.79	14.85	11.98	11.48	6.57
Total Interest Expense	7.86	7.43	6.54	4.86	3.22	1.96
Net Interest Income	8.67	8.36	8.31	7.12	8.26	4.61
Other Revenue	4.41	4.11	3.52	3.24	-	1.06
Revenue Before Loan Losses	13.07	12.47	11.82	10.36	8.26	5.67
Provision for Loan Losses	0.5	-	-	0.25	-	-0.07
Revenue	12.57	12.47	11.82	10.11	8.26	5.74
Revenue Growth (YoY)	3.63%	5.46%	16.95%	22.44%	43.98%	21.35%
Salaries & Employee Benefits	1.66	1.62	1.49	1.66	1.52	1.08
Cost of Services Provided	0.03	0.03	0.06	0.09	1.28	0.59
Other Operating Expenses	1.02	1.05	0.63	1.11	-	-0.75
Total Operating Expenses	3.32	3.31	2.77	3.03	2.8	1.1
Operating Income	9.25	9.16	9.05	7.08	5.46	4.64
EBT Excluding Unusual Items	9.25	9.16	9.05	7.08	9.96	4.65
Pretax Income	9.39	9.3	9.05	7.07	9.92	4.72
Income Tax Expense	2.59	2.58	2.55	1.82	1.76	1.32
Net Income	6.8	6.72	6.5	5.25	8.16	3.41
Net Income to Common	6.8	6.72	6.5	5.25	8.16	3.41
Net Income Growth	3.06%	3.35%	23.77%	-35.64%	139.61%	36.43%
Shares Outstanding (Basic)	25	25	25	25	20	20
Shares Outstanding (Diluted)	25	25	25	25	20	20
Shares Change (YoY)	-0.04%	-	-	26.03%	-	-
EPS (Basic)	0.27	0.27	0.26	0.21	0.41	0.17
EPS (Diluted)	0.27	0.27	0.26	0.21	0.41	0.17
EPS Growth	3.10%	3.35%	23.77%	-48.94%	139.61%	36.43%
Free Cash Flow	-19.36	-16.57	-5.06	-16.72	-1.54	-9.39
Free Cash Flow Per Share	-0.77	-0.66	-0.20	-0.66	-0.08	-0.47
Operating Margin	73.60%	73.44%	76.54%	70.00%	66.10%	80.90%
Profit Margin	54.06%	53.88%	54.98%	51.95%	98.83%	59.38%
Free Cash Flow Margin	-154.03%	-132.88%	-42.82%	-165.37%	-18.68%	-163.77%
Effective Tax Rate	27.62%	27.72%	28.17%	25.74%	17.75%	27.91%
Revenue as Reported	21.31	20.28	18.83	15.22	-	8.38

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