First Finance Company Income Statement

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

Millions JOD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	2.21	1.96	1.96	3.23	2.32	2.48
Total Interest Expense	0.06	0.03	0.04	0.04	-	-
Net Interest Income	2.15	1.93	1.93	3.19	2.32	2.48
Gain (Loss) on Sale of Investments	0.03	-	-	-	-	0.8
Other Revenue	0.36	0.4	1.14	0.32	0.34	-0.08
Revenue Before Loan Losses	2.54	2.33	3.07	3.5	2.66	3.2
Provision for Loan Losses	-0.23	0.11	0.6	0.93	-0.42	0.94
Revenue	2.77	2.22	2.47	2.57	3.08	2.26
Revenue Growth (YoY)	19.09%	-10.22%	-4.11%	-16.50%	36.22%	-39.64%
Cost of Services Provided	1.13	1.41	1.45	1.37	1.46	1.5
Other Operating Expenses	0.16	-0.18	-0.14	-0.18	-	-0.12
Total Operating Expenses	1.4	1.34	1.44	1.28	1.54	1.5
Operating Income	1.37	0.88	1.02	1.3	1.54	0.76
EBT Excluding Unusual Items	1.37	0.88	1.02	1.3	1.54	0.76
Gain (Loss) on Sale of Investments	-0.01	-0.05	-0.04	-	-0.06	-
Pretax Income	0.98	0.69	0.97	1.29	1.48	0.73
Income Tax Expense	-0.02	-0.03	-0.17	-0.21	0.51	0.19
Net Income	1	0.72	1.14	1.49	0.97	0.54
Net Income to Common	1	0.72	1.14	1.49	0.97	0.54
Net Income Growth	1.66%	-36.99%	-23.72%	54.01%	79.30%	-69.38%
Shares Outstanding (Basic)	34	34	35	35	35	35
Shares Outstanding (Diluted)	34	34	35	35	35	35
Shares Change (YoY)	-0.31%	-0.98%	-0.61%	0.29%	-1.01%	-
EPS (Basic)	0.03	0.02	0.03	0.04	0.03	0.02
EPS (Diluted)	0.03	0.02	0.03	0.04	0.03	0.02
EPS Growth	1.97%	-36.36%	-23.26%	53.57%	81.12%	-69.38%
Free Cash Flow	1.87	-0.35	-0.21	-0.4	-0.63	1.77
Free Cash Flow Per Share	0.06	-0.01	-0.01	-0.01	-0.02	0.05
Dividend Per Share	0.010	0.010	-	-	-	-
Operating Margin	49.41%	39.61%	41.52%	50.44%	49.92%	33.58%
Profit Margin	36.10%	32.41%	46.19%	58.06%	31.48%	23.92%
Free Cash Flow Margin	67.69%	-15.64%	-8.53%	-15.72%	-20.60%	78.23%
Effective Tax Rate	-	-	-	-	34.50%	25.85%
Revenue as Reported	2.82	2.92	3.34	3.77	3.59	-

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