Generalfinance Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2020
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2020
Interest and Dividend Income	40.94	39.79	30.59	14.01	9.2	5.72	Upgrade
Total Interest Expense	27.75	27.31	21.61	6.75	2.97	1.63	Upgrade
Net Interest Income	13.19	12.47	8.98	7.27	6.23	4.09	Upgrade
Commissions and Fees	45.22	41.15	31.71	27.43	20.8	14.75	Upgrade
Gain (Loss) on Sale of Investments	-0.03	-0.03	-0	0	0	-0	Upgrade
Other Revenue	0	-0	0	-0	-0	-0	Upgrade
Revenue Before Loan Losses	58.38	53.59	40.69	34.69	27.03	18.84	Upgrade
Provision for Loan Losses	3.12	1.17	1.26	1.21	0.22	0.71	Upgrade
Revenue	55.25	52.42	39.43	33.49	26.82	18.13	Upgrade
Revenue Growth (YoY)	30.39%	32.97%	17.73%	24.88%	47.94%	23.95%	Upgrade
Salaries & Employee Benefits	9.23	9.1	7.2	6.75	5.24	4.27	Upgrade
Cost of Services Provided	13.2	11.68	11.01	9.99	6.44	4.49	Upgrade
Other Operating Expenses	-0.69	-1.19	-0.52	-0.2	-0.22	-0.49	Upgrade
Total Operating Expenses	23.44	21.21	18.93	17.61	12.39	9.13	Upgrade
Operating Income	31.82	31.22	20.49	15.87	14.42	9	Upgrade
EBT Excluding Unusual Items	31.81	31.22	20.49	15.87	14.42	9	Upgrade
Gain (Loss) on Sale of Investments	-0.07	-0.07	-	-	-	-	Upgrade
Other Unusual Items	0.35	0.35	1.13	0.07	-0.54	-0.08	Upgrade
Pretax Income	32.14	31.54	22	16.47	13.93	8.11	Upgrade
Income Tax Expense	10.63	10.44	6.93	5.58	4.47	2.78	Upgrade
Net Income	21.51	21.1	15.07	10.89	9.45	5.33	Upgrade
Net Income to Common	21.51	21.1	15.07	10.89	9.45	5.33	Upgrade
Net Income Growth	26.45%	40.03%	38.42%	15.15%	77.43%	27.24%	Upgrade
Shares Outstanding (Basic)	13	13	13	11	10	10	Upgrade
Shares Outstanding (Diluted)	13	13	13	11	10	10	Upgrade
Shares Change (YoY)	-	-	12.31%	14.48%	-	-	Upgrade
EPS (Basic)	1.70	1.67	1.19	0.97	0.96	0.54	Upgrade
EPS (Diluted)	1.70	1.67	1.19	0.97	0.96	0.54	Upgrade
EPS Growth	26.45%	40.03%	23.25%	0.58%	77.43%	-	Upgrade
Free Cash Flow	15.36	109.06	-15.78	-2.11	10.38	9.99	Upgrade
Free Cash Flow Per Share	1.22	8.63	-1.25	-0.19	1.06	1.02	Upgrade
Dividend Per Share	0.830	0.830	0.590	0.430	-	-	Upgrade
Dividend Growth	40.68%	40.68%	37.21%	-	-	-	Upgrade
Operating Margin	57.58%	59.55%	51.98%	47.40%	53.79%	49.65%	Upgrade
Profit Margin	38.92%	40.25%	38.22%	32.51%	35.25%	29.39%	Upgrade
Free Cash Flow Margin	27.80%	208.03%	-40.02%	-6.30%	38.72%	55.09%	Upgrade
Effective Tax Rate	33.08%	33.11%	31.52%	33.91%	32.12%	34.30%	Upgrade

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