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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	45.13	39.79	30.59	14.01	9.2	5.72
Total Interest Expense	27.36	27.31	21.61	6.75	2.97	1.63
Net Interest Income	17.77	12.47	8.98	7.27	6.23	4.09
Commissions and Fees	54.43	41.15	31.71	27.43	20.8	14.75
Gain (Loss) on Sale of Investments	-0.04	-0.03	-0	0	0	-0
Other Revenue	-0	-0	0	-0	-0	-0
Revenue Before Loan Losses	72.16	53.59	40.69	34.69	27.03	18.84
Provision for Loan Losses	3.13	1.17	1.26	1.21	0.22	0.71
Revenue	69.03	52.42	39.43	33.49	26.82	18.13
Revenue Growth (YoY)	51.82%	32.97%	17.73%	24.88%	47.94%	23.95%
Salaries & Employee Benefits	10.29	9.1	7.2	6.75	5.24	4.27
Cost of Services Provided	15.33	11.68	11.01	9.99	6.44	4.49
Other Operating Expenses	-0.67	-1.19	-0.52	-0.2	-0.22	-0.49
Total Operating Expenses	26.78	21.21	18.93	17.61	12.39	9.13
Operating Income	42.25	31.22	20.49	15.87	14.42	9
EBT Excluding Unusual Items	42.25	31.22	20.49	15.87	14.42	9
Gain (Loss) on Sale of Investments	-0.04	-0.07	-	-	-	-
Other Unusual Items	0.35	0.35	1.13	0.07	-0.54	-0.08
Pretax Income	42.6	31.54	22	16.47	13.93	8.11
Income Tax Expense	14.1	10.44	6.93	5.58	4.47	2.78
Net Income	28.5	21.1	15.07	10.89	9.45	5.33
Net Income to Common	28.5	21.1	15.07	10.89	9.45	5.33
Net Income Growth	58.54%	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)	2.26	1.67	1.19	0.97	0.96	0.54
EPS (Diluted)	2.26	1.67	1.19	0.97	0.96	0.54
EPS Growth	58.54%	40.03%	23.25%	0.58%	77.43%	-
Free Cash Flow	36.73	109.06	-15.78	-2.11	10.38	9.99
Free Cash Flow Per Share	2.91	8.63	-1.25	-0.19	1.06	1.02
Dividend Per Share	0.830	0.830	0.590	0.430	-	-
Dividend Growth	40.68%	40.68%	37.21%	-	-	-
Operating Margin	61.21%	59.55%	51.98%	47.40%	53.79%	49.65%
Profit Margin	41.29%	40.25%	38.22%	32.51%	35.25%	29.39%
Free Cash Flow Margin	53.21%	208.03%	-40.02%	-6.30%	38.72%	55.09%
Effective Tax Rate	33.09%	33.11%	31.52%	33.91%	32.12%	34.30%

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