Generalfinance Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest and Dividend Income	38.14	30.59	14.01	9.2	5.72	4.64
Total Interest Expense	27.08	21.61	6.75	2.97	1.63	1.2
Net Interest Income	11.06	8.98	7.27	6.23	4.09	3.44
Commissions and Fees	36.83	31.71	27.43	20.8	14.75	11.54
Gain (Loss) on Sale of Investments	-0.03	-0	0	0	-0	0
Other Revenue	-0	0	-0	-0	-0	-0
Revenue Before Loan Losses	47.85	40.69	34.69	27.03	18.84	14.98
Provision for Loan Losses	2.39	1.26	1.21	0.22	0.71	0.35
Revenue	45.47	39.43	33.49	26.82	18.13	14.63
Revenue Growth (YoY)	24.62%	17.73%	24.88%	47.94%	23.95%	-
Salaries & Employee Benefits	7.98	7.2	6.75	5.24	4.27	3.76
Cost of Services Provided	10.67	11.01	9.99	6.44	4.49	4.38
Other Operating Expenses	-0.08	-0.52	-0.2	-0.22	-0.49	-0.34
Total Operating Expenses	20.09	18.93	17.61	12.39	9.13	8.64
Operating Income	25.38	20.49	15.87	14.42	9	5.98
EBT Excluding Unusual Items	25.34	20.49	15.87	14.42	9	5.98
Other Unusual Items	1.13	1.13	0.07	-0.54	-0.08	0.03
Pretax Income	26.85	22	16.47	13.93	8.11	6.28
Income Tax Expense	8.87	6.93	5.58	4.47	2.78	2.09
Net Income	17.98	15.07	10.89	9.45	5.33	4.19
Net Income to Common	17.98	15.07	10.89	9.45	5.33	4.19
Net Income Growth	37.03%	38.42%	15.15%	77.43%	27.24%	-
Shares Outstanding (Basic)	13	13	11	10	10	-
Shares Outstanding (Diluted)	13	13	11	10	10	-
Shares Change (YoY)	-	12.31%	14.48%	-	-	-
EPS (Basic)	1.42	1.19	0.97	0.96	0.54	-
EPS (Diluted)	1.42	1.19	0.97	0.96	0.54	-
EPS Growth	37.03%	23.25%	0.58%	77.43%	-	-
Free Cash Flow	47.07	-15.78	-2.11	10.38	9.99	14.86
Free Cash Flow Per Share	3.73	-1.25	-0.19	1.06	1.02	-
Dividend Per Share	0.590	0.590	0.430	-	-	-
Dividend Growth	37.21%	37.21%	-	-	-	-
Operating Margin	55.82%	51.98%	47.40%	53.79%	49.65%	40.92%
Profit Margin	39.54%	38.22%	32.51%	35.25%	29.39%	28.63%
Free Cash Flow Margin	103.52%	-40.02%	-6.30%	38.72%	55.09%	101.61%
Effective Tax Rate	33.04%	31.52%	33.91%	32.12%	34.30%	33.32%

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