Generalfinance Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	45.43	45.06	39.79	30.59	14.01	9.2
Total Interest Expense	26.85	26.88	27.31	21.61	6.75	2.97
Net Interest Income	18.58	18.18	12.47	8.98	7.27	6.23
Commissions and Fees	54.71	55.25	41.15	31.71	27.43	20.8
Gain (Loss) on Sale of Investments	-0.02	-0.03	-0.03	-0	0	0
Other Revenue	-0	-0	-0	0	-0	-0
Revenue Before Loan Losses	73.27	73.4	53.59	40.69	34.69	27.03
Provision for Loan Losses	2.39	2.95	1.17	1.26	1.21	0.22
Revenue	70.88	70.45	52.42	39.43	33.49	26.82
Revenue Growth (YoY)	28.28%	34.38%	32.97%	17.73%	24.88%	47.94%
Salaries & Employee Benefits	11.83	10.88	9.1	7.2	6.75	5.24
Cost of Services Provided	15.21	15.52	11.63	11.01	9.99	6.44
Other Operating Expenses	-1.69	-1.2	-1.12	-0.52	-0.2	-0.22
Total Operating Expenses	27.3	27.1	21.23	18.93	17.61	12.39
Operating Income	43.58	43.35	31.2	20.49	15.87	14.42
EBT Excluding Unusual Items	43.6	43.35	31.2	20.49	15.87	14.42
Gain (Loss) on Sale of Investments	-0.02	-0.02	-0.07	-	-	-
Other Unusual Items	0.04	0.04	0.35	1.13	0.07	-0.54
Pretax Income	43.73	43.48	31.54	22	16.47	13.93
Income Tax Expense	15.14	14.72	10.44	6.93	5.58	4.47
Net Income	28.59	28.76	21.1	15.07	10.89	9.45
Net Income to Common	28.59	28.76	21.1	15.07	10.89	9.45
Net Income Growth	32.94%	36.29%	40.03%	38.42%	15.15%	77.43%
Shares Outstanding (Basic)	13	13	13	13	11	10
Shares Outstanding (Diluted)	13	13	13	13	11	10
Shares Change (YoY)	-	-	-	12.31%	14.48%	-
EPS (Basic)	2.26	2.28	1.67	1.19	0.97	0.96
EPS (Diluted)	2.26	2.28	1.67	1.19	0.97	0.96
EPS Growth	32.94%	36.29%	40.03%	23.25%	0.58%	77.43%
Free Cash Flow	37.82	12.03	109.06	-15.78	-2.11	10.38
Free Cash Flow Per Share	2.99	0.95	8.63	-1.25	-0.19	1.06
Dividend Per Share	1.360	1.360	0.830	0.590	0.430	-
Dividend Growth	63.85%	63.85%	40.68%	37.21%	-	-
Operating Margin	61.49%	61.53%	59.51%	51.98%	47.40%	53.79%
Profit Margin	40.34%	40.82%	40.25%	38.22%	32.51%	35.25%
Free Cash Flow Margin	53.35%	17.08%	208.03%	-40.02%	-6.30%	38.72%
Effective Tax Rate	34.62%	33.86%	33.11%	31.52%	33.91%	32.12%