Generalfinance S.p.A. (BIT:GF)

Generalfinance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	42.59	39.79	30.59	14.01	9.2	5.72
Total Interest Expense	27.88	27.31	21.61	6.75	2.97	1.63
Net Interest Income	14.72	12.47	8.98	7.27	6.23	4.09
Commissions and Fees	49.84	41.15	31.71	27.43	20.8	14.75
Gain (Loss) on Sale of Investments	-0.02	-0.03	-0	0	0	-0
Other Revenue	-0	-0	0	-0	-0	-0
Revenue Before Loan Losses	64.53	53.59	40.69	34.69	27.03	18.84
Provision for Loan Losses	1.74	1.17	1.26	1.21	0.22	0.71
Revenue	62.79	52.42	39.43	33.49	26.82	18.13
Revenue Growth (YoY)	46.64%	32.97%	17.73%	24.88%	47.94%	23.95%
Salaries & Employee Benefits	9.67	9.1	7.2	6.75	5.24	4.27
Cost of Services Provided	14.76	11.68	11.01	9.99	6.44	4.49
Other Operating Expenses	-1.04	-1.19	-0.52	-0.2	-0.22	-0.49
Total Operating Expenses	25.14	21.21	18.93	17.61	12.39	9.13
Operating Income	37.65	31.22	20.49	15.87	14.42	9
EBT Excluding Unusual Items	37.65	31.22	20.49	15.87	14.42	9
Gain (Loss) on Sale of Investments	-0.05	-0.07	-	-	-	-
Other Unusual Items	0.35	0.35	1.13	0.07	-0.54	-0.08
Pretax Income	38	31.54	22	16.47	13.93	8.11
Income Tax Expense	12.56	10.44	6.93	5.58	4.47	2.78
Net Income	25.44	21.1	15.07	10.89	9.45	5.33
Net Income to Common	25.44	21.1	15.07	10.89	9.45	5.33
Net Income Growth	55.54%	40.03%	38.42%	15.15%	77.43%	27.24%
Shares Outstanding (Basic)	13	13	13	11	10	10
Shares Outstanding (Diluted)	13	13	13	11	10	10
Shares Change (YoY)	-	-	12.31%	14.48%	-	-
EPS (Basic)	2.01	1.67	1.19	0.97	0.96	0.54
EPS (Diluted)	2.01	1.67	1.19	0.97	0.96	0.54
EPS Growth	55.54%	40.03%	23.25%	0.58%	77.43%	-
Free Cash Flow	22.98	109.06	-15.78	-2.11	10.38	9.99
Free Cash Flow Per Share	1.82	8.63	-1.25	-0.19	1.06	1.02
Dividend Per Share	-	0.830	0.590	0.430	-	-
Dividend Growth	-	40.68%	37.21%	-	-	-
Operating Margin	59.96%	59.55%	51.98%	47.40%	53.79%	49.65%
Profit Margin	40.51%	40.25%	38.22%	32.51%	35.25%	29.39%
Free Cash Flow Margin	36.60%	208.03%	-40.02%	-6.30%	38.72%	55.09%
Effective Tax Rate	33.06%	33.11%	31.52%	33.91%	32.12%	34.30%

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