First Finance Company (ASE:FFCO)

First Finance Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	2.94	1.96	1.96	3.23	2.32
Total Interest Expense	0.07	0.03	0.04	0.04	-
Net Interest Income	2.87	1.93	1.93	3.19	2.32
Other Revenue	-	0.4	1.14	0.32	0.34
Revenue Before Loan Losses	2.87	2.33	3.07	3.5	2.66
Provision for Loan Losses	-	0.11	0.6	0.93	-0.42
Revenue	2.87	2.22	2.47	2.57	3.08
Revenue Growth (YoY)	29.64%	-10.22%	-4.11%	-16.50%	36.22%
Cost of Services Provided	1.28	1.41	1.45	1.37	1.46
Other Operating Expenses	-	-0.18	-0.14	-0.18	-
Total Operating Expenses	1.28	1.34	1.44	1.28	1.54
Operating Income	1.59	0.88	1.02	1.3	1.54
EBT Excluding Unusual Items	1.54	0.88	1.02	1.3	1.54
Gain (Loss) on Sale of Investments	-	-0.05	-0.04	-	-0.06
Pretax Income	1.54	0.69	0.97	1.29	1.48
Income Tax Expense	0.47	-0.03	-0.17	-0.21	0.51
Net Income	1.07	0.72	1.14	1.49	0.97
Net Income to Common	1.07	0.72	1.14	1.49	0.97
Net Income Growth	49.00%	-36.99%	-23.72%	54.01%	79.30%
Shares Outstanding (Basic)	-	34	35	35	35
Shares Outstanding (Diluted)	-	34	35	35	35
Shares Change (YoY)	-	-0.98%	-0.61%	0.29%	-1.01%
EPS (Basic)	-	0.02	0.03	0.04	0.03
EPS (Diluted)	-	0.02	0.03	0.04	0.03
EPS Growth	-	-36.36%	-23.26%	53.57%	81.12%
Free Cash Flow	-	-0.35	-0.21	-0.4	-0.63
Free Cash Flow Per Share	-	-0.01	-0.01	-0.01	-0.02
Dividend Per Share	-	0.010	-	-	-
Operating Margin	55.48%	39.61%	41.52%	50.44%	49.92%
Profit Margin	37.26%	32.41%	46.19%	58.06%	31.48%
Free Cash Flow Margin	-	-15.64%	-8.53%	-15.72%	-20.60%
Effective Tax Rate	30.37%	-	-	-	34.50%
Revenue as Reported	-	2.92	3.34	3.77	3.59

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