Al TAS-Heelat Jordan Specialized Financing (ASE:TJSF)

ASE:TJSF Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	23.15	19.98	16.3	12.57	9.15	7.43
Total Interest Expense	7.72	6.56	5.08	2.91	1.88	1.46
Net Interest Income	15.44	13.42	11.23	9.65	7.27	5.97
Other Revenue	1.39	1.34	1.13	0.92	0.81	0.64
Revenue Before Loan Losses	16.83	14.76	12.36	10.58	8.09	6.62
Provision for Loan Losses	0.34	0.85	0.81	2.47	0.42	0.84
Revenue	16.49	13.91	11.55	8.11	7.67	5.77
Revenue Growth (YoY)	28.03%	20.48%	42.41%	5.74%	32.88%	-11.25%
Salaries & Employee Benefits	2.01	2.01	1.72	1.61	1.42	1.17
Cost of Services Provided	0.12	0.12	0.09	0.11	0.62	0.45
Other Operating Expenses	0.95	1.04	0.84	0.56	0.03	0.03
Total Operating Expenses	3.24	3.32	2.84	2.49	2.34	1.97
Operating Income	13.25	10.59	8.7	5.62	5.33	3.8
EBT Excluding Unusual Items	13.22	10.56	8.64	5.64	5.51	3.81
Pretax Income	13.3	10.64	8.66	5.64	5.5	3.76
Income Tax Expense	3.89	3.06	2.49	1.64	1.57	1.12
Net Income	9.42	7.58	6.17	4	3.93	2.64
Net Income to Common	9.42	7.58	6.17	4	3.93	2.64
Net Income Growth	37.17%	22.73%	54.31%	1.76%	48.88%	-10.98%
Shares Outstanding (Basic)	17	17	17	17	17	17
Shares Outstanding (Diluted)	17	17	17	17	17	17
EPS (Basic)	0.57	0.46	0.37	0.24	0.24	0.16
EPS (Diluted)	0.57	0.46	0.37	0.24	0.24	0.16
EPS Growth	37.17%	22.73%	54.31%	1.76%	48.88%	-10.98%
Free Cash Flow	-16.47	-14.15	-10.91	-9.76	-13.05	-5.56
Free Cash Flow Per Share	-1.00	-0.86	-0.66	-0.59	-0.79	-0.34
Operating Margin	80.33%	76.11%	75.37%	69.34%	69.49%	65.84%
Profit Margin	57.11%	54.45%	53.45%	49.33%	51.26%	45.76%
Free Cash Flow Margin	-99.89%	-101.71%	-94.47%	-120.38%	-170.19%	-96.34%
Effective Tax Rate	29.21%	28.77%	28.75%	29.10%	28.58%	29.76%
Revenue as Reported	24.67	21.45	17.5	13.56	9.97	8.07

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