FSA Group Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	124.45	115.71	91.72	67.4	45.39	39.94
Total Interest Expense	58.81	58.82	48.88	29.12	12	9.83
Net Interest Income	65.64	56.89	42.84	38.28	33.39	30.12
Other Revenue	6.93	7.38	9.26	16.43	22.2	31.68
Revenue Before Loan Losses	72.57	64.27	52.1	54.72	55.59	61.79
Provision for Loan Losses	14.86	12.18	5.48	-	-	-
Revenue	57.71	52.09	46.62	54.72	55.59	61.79
Revenue Growth (YoY)	18.62%	11.72%	-14.79%	-1.57%	-10.04%	-10.61%
Salaries & Employee Benefits	23	21.96	20.72	20.6	18.75	16.4
Cost of Services Provided	12.72	12.37	11.67	8.15	7.73	12.42
Total Operating Expenses	37.18	35.91	34.05	29.99	27.74	29.76
Operating Income	20.53	16.18	12.57	24.73	27.85	32.03
EBT Excluding Unusual Items	20.53	16.18	12.57	24.73	27.85	32.03
Pretax Income	25	16.18	12.57	20.98	26.94	29.71
Income Tax Expense	6.24	5.01	3.75	6.17	8.22	8.94
Earnings From Continuing Ops.	18.76	11.17	8.82	14.81	18.72	20.77
Net Income to Company	18.76	11.17	8.82	14.81	18.72	20.77
Minority Interest in Earnings	-2.19	-0.65	-1.48	-1.81	-1.5	-0.66
Net Income	16.57	10.52	7.35	13	17.22	20.11
Net Income to Common	12.81	10.52	7.35	13	17.22	20.11
Net Income Growth	105.38%	43.21%	-43.48%	-24.53%	-14.37%	23.24%
Shares Outstanding (Basic)	123	121	121	122	125	125
Shares Outstanding (Diluted)	123	121	121	122	125	125
Shares Change (YoY)	1.11%	0.06%	-0.78%	-2.54%	0.58%	-0.18%
EPS (Basic)	0.10	0.09	0.06	0.11	0.14	0.16
EPS (Diluted)	0.10	0.09	0.06	0.11	0.14	0.16
EPS Growth	56.91%	43.14%	-43.07%	-22.55%	-14.88%	23.51%
Free Cash Flow	24.63	21.6	14.68	21.46	26.12	28.52
Free Cash Flow Per Share	0.20	0.18	0.12	0.17	0.21	0.23
Dividend Per Share	0.070	0.070	0.070	0.070	0.070	0.060
Dividend Growth	-	-	-	-	16.67%	-
Operating Margin	35.57%	31.06%	26.97%	45.19%	50.10%	51.84%
Profit Margin	22.20%	20.20%	15.76%	23.75%	30.98%	32.54%
Free Cash Flow Margin	42.68%	41.46%	31.48%	39.22%	47.00%	46.16%
Effective Tax Rate	24.96%	30.96%	29.82%	29.42%	30.51%	30.09%

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