S 11 Group PCL Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,019	1,110	1,366	1,484	1,692
Total Interest Expense	127.62	170.34	161.48	90.63	119.17
Net Interest Income	891.46	940.01	1,205	1,393	1,573
Commissions and Fees	45.74	49.43	81.51	89.82	94.61
Other Revenue	131.34	93.15	48.1	44.32	36.51
Revenue Before Loan Losses	1,069	1,083	1,334	1,527	1,704
Provision for Loan Losses	298.62	540.95	809.2	692.64	741.19
Revenue	769.92	541.65	525.09	834.67	962.82
Revenue Growth (YoY)	42.14%	3.15%	-37.09%	-13.31%	-18.87%
Cost of Services Provided	252.29	279.33	308.5	304.82	327.18
Other Operating Expenses	40.07	116.97	155.01	90.06	135.96
Total Operating Expenses	292.36	396.3	463.51	394.88	463.14
Operating Income	477.56	145.35	61.58	439.78	499.68
EBT Excluding Unusual Items	477.56	145.35	61.58	439.78	499.68
Gain (Loss) on Sale of Investments	-10.19	-	-	-	-
Pretax Income	467.36	145.35	61.58	439.78	499.68
Income Tax Expense	93.41	28.73	12.01	88.12	99.67
Earnings From Continuing Ops.	373.95	116.62	49.56	351.66	400
Minority Interest in Earnings	0.1	-0.03	-0.11	0.07	-0.03
Net Income	374.05	116.59	49.45	351.73	399.98
Net Income to Common	374.05	116.59	49.45	351.73	399.98
Net Income Growth	220.82%	135.77%	-85.94%	-12.06%	-18.58%
Shares Outstanding (Basic)	613	613	613	613	615
Shares Outstanding (Diluted)	613	613	613	613	615
Shares Change (YoY)	-	-	-	-0.38%	0.38%
EPS (Basic)	0.61	0.19	0.08	0.57	0.65
EPS (Diluted)	0.61	0.19	0.08	0.57	0.65
EPS Growth	220.82%	135.77%	-85.94%	-11.72%	-18.89%
Free Cash Flow	400.96	813.2	-984.51	5.01	1,220
Free Cash Flow Per Share	0.65	1.33	-1.61	0.01	1.98
Dividend Per Share	0.250	0.100	-	0.200	0.260
Dividend Growth	150.00%	-	-	-23.08%	4.00%
Operating Margin	62.03%	26.83%	11.73%	52.69%	51.90%
Profit Margin	48.58%	21.53%	9.42%	42.14%	41.54%
Free Cash Flow Margin	52.08%	150.13%	-187.49%	0.60%	126.75%
Effective Tax Rate	19.99%	19.77%	19.51%	20.04%	19.95%
Revenue as Reported	1,196	1,253	1,496	1,618	1,823

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