Ngernturbo PCL Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
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
Interest and Dividend Income	2,701	2,671	2,595	2,025	1,310
Total Interest Expense	381.68	402.06	451.44	319.94	185.97
Net Interest Income	2,319	2,269	2,144	1,705	1,124
Commissions and Fees	54.7	62.52	85.28	110.15	268.08
Other Revenue	406.65	360.85	352.2	294.89	200.23
Revenue Before Loan Losses	2,781	2,692	2,581	2,110	1,592
Provision for Loan Losses	607.54	600.17	762.45	503.5	170.76
Revenue	2,173	2,092	1,819	1,607	1,421
Revenue Growth	15.06%	15.03%	13.19%	13.04%	-
Cost of Services Provided	1,521	1,476	1,659	1,452	990.22
Other Operating Expenses	-0.32	-0.33	-0.53	-0.52	8.02
Total Operating Expenses	1,521	1,476	1,658	1,451	998.24
Operating Income	652.63	616.13	160.53	155.69	423.19
Pretax Income	652.63	616.13	160.53	155.69	423.19
Income Tax Expense	119.47	113.01	18.97	24.02	84.82
Net Income	533.16	503.12	141.56	131.66	338.37
Net Income to Common	533.16	503.12	141.56	131.66	338.37
Net Income Growth	108.29%	255.40%	7.52%	-61.09%	-
Shares Outstanding (Basic)	2,456	2,344	2,222	2,222	2,007
Shares Outstanding (Diluted)	2,456	2,344	2,222	2,222	2,007
Shares Change	10.52%	5.46%	-	10.71%	-
EPS (Basic)	0.22	0.21	0.06	0.06	0.17
EPS (Diluted)	0.22	0.21	0.06	0.06	0.17
EPS Growth	88.49%	236.99%	7.52%	-64.85%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
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
Free Cash Flow	181.58	844.13	-376.57	-2,836	-2,027
Free Cash Flow Per Share	0.07	0.36	-0.17	-1.28	-1.01
Dividend Per Share	-	-	-	-	2.970
Dividend Growth	-	-	-	-	-
Operating Margin	30.03%	29.45%	8.83%	9.69%	29.77%
Profit Margin	24.53%	24.05%	7.78%	8.19%	23.80%
Free Cash Flow Margin	8.36%	40.35%	-20.70%	-176.52%	-142.61%
Effective Tax Rate	18.31%	18.34%	11.82%	15.43%	20.04%
Revenue as Reported	3,163	3,095	3,033	2,431	1,779