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

ASE:TJSF 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	24.85	19.98	16.3	12.57	9.15
Total Interest Expense	8.14	6.56	5.08	2.91	1.88
Net Interest Income	16.71	13.42	11.23	9.65	7.27
Other Revenue	-	1.34	1.13	0.92	0.81
Revenue Before Loan Losses	16.71	14.76	12.36	10.58	8.09
Provision for Loan Losses	-	0.85	0.81	2.47	0.42
Revenue	16.71	13.91	11.55	8.11	7.67
Revenue Growth (YoY)	20.07%	20.48%	42.41%	5.74%	32.88%
Salaries & Employee Benefits	-	2.01	1.72	1.61	1.42
Cost of Services Provided	3.29	0.12	0.09	0.11	0.62
Other Operating Expenses	2.13	1.04	0.84	0.56	0.03
Total Operating Expenses	5.43	3.32	2.84	2.49	2.34
Operating Income	11.28	10.59	8.7	5.62	5.33
EBT Excluding Unusual Items	11.28	10.56	8.64	5.64	5.51
Pretax Income	11.28	10.64	8.66	5.64	5.5
Income Tax Expense	3.27	3.06	2.49	1.64	1.57
Net Income	8.01	7.58	6.17	4	3.93
Net Income to Common	8.01	7.58	6.17	4	3.93
Net Income Growth	5.76%	22.73%	54.31%	1.76%	48.88%
Shares Outstanding (Basic)	17	17	17	17	17
Shares Outstanding (Diluted)	17	17	17	17	17
EPS (Basic)	0.49	0.46	0.37	0.24	0.24
EPS (Diluted)	0.49	0.46	0.37	0.24	0.24
EPS Growth	5.76%	22.73%	54.31%	1.76%	48.88%
Free Cash Flow	-	-14.15	-10.91	-9.76	-13.05
Free Cash Flow Per Share	-	-0.86	-0.66	-0.59	-0.79
Operating Margin	67.52%	76.11%	75.37%	69.34%	69.49%
Profit Margin	47.96%	54.45%	53.45%	49.33%	51.26%
Free Cash Flow Margin	-	-101.71%	-94.47%	-120.38%	-170.19%
Effective Tax Rate	28.97%	28.77%	28.75%	29.10%	28.58%
Revenue as Reported	24.85	21.45	17.5	13.56	9.97

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