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	Jun '26 Jun 30, 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	45.61	45.06	39.79	30.59	14.01	9.2
Total Interest Expense	27.45	26.88	27.31	21.61	6.75	2.97
Net Interest Income	18.16	18.18	12.47	8.98	7.27	6.23
Commissions and Fees	55.5	55.25	41.15	31.71	27.43	20.8
Gain (Loss) on Sale of Investments	-0.15	-0.03	-0.03	-0	0	0
Other Revenue	-0	-0	-0	0	-0	-0
Revenue Before Loan Losses	73.51	73.4	53.59	40.69	34.69	27.03
Provision for Loan Losses	3.39	2.95	1.17	1.26	1.21	0.22
Revenue	70.12	70.45	52.42	39.43	33.49	26.82
Revenue Growth	11.68%	34.38%	32.97%	17.73%	24.88%	47.94%
Salaries & Employee Benefits	12.48	10.88	9.1	7.2	6.75	5.24
Cost of Services Provided	14.98	15.52	11.63	11.01	9.99	6.44
Other Operating Expenses	-1.32	-1.2	-1.12	-0.52	-0.2	-0.22
Total Operating Expenses	28.15	27.1	21.23	18.93	17.61	12.39
Operating Income	41.97	43.35	31.2	20.49	15.87	14.42
EBT Excluding Unusual Items	41.97	43.35	31.2	20.49	15.87	14.42
Gain (Loss) on Sale of Investments	-	-0.02	-0.07	-	-	-
Other Unusual Items	0.07	0.04	0.35	1.13	0.07	-0.54
Pretax Income	40.44	43.48	31.54	22	16.47	13.93
Income Tax Expense	14.37	14.72	10.44	6.93	5.58	4.47
Net Income	26.07	28.76	21.1	15.07	10.89	9.45
Net Income to Common	26.07	28.76	21.1	15.07	10.89	9.45
Net Income Growth	2.50%	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	-	-	-	12.31%	14.48%	-
EPS (Basic)	2.06	2.28	1.67	1.19	0.97	0.96
EPS (Diluted)	2.06	2.28	1.67	1.19	0.97	0.96
EPS Growth	2.50%	36.29%	40.03%	23.25%	0.58%	77.43%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Free Cash Flow	21.58	12.03	109.06	-15.78	-2.11	10.38
Free Cash Flow Per Share	1.71	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	59.85%	61.53%	59.51%	51.98%	47.40%	53.79%
Profit Margin	37.18%	40.82%	40.25%	38.22%	32.51%	35.25%
Free Cash Flow Margin	30.77%	17.08%	208.03%	-40.02%	-6.30%	38.72%
Effective Tax Rate	35.53%	33.86%	33.11%	31.52%	33.91%	32.12%