Renta 4 Banco Income Statement

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

Millions EUR. 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	49.92	55.59	40.02	13.01	4.84
Total Interest Expense	22.55	31.15	16.76	3.9	4.62
Net Interest Income	27.37	24.44	23.26	9.11	0.22
Brokerage Commission	222.43	190.86	166.08	170.68	180.63
Trading & Principal Transactions	13.42	13.58	10.69	2.23	8.37
Gain on Sale of Investments (Rev)	1.21	0.73	0.24	0.82	2.78
Other Revenue	0.42	0.05	-0.09	0.81	2.28
Revenue Before Loan Losses	264.85	229.66	200.18	183.66	194.27
Revenue	264.85	229.66	200.18	183.66	194.27
Revenue Growth (YoY)	15.32%	14.72%	9.00%	-5.46%	13.07%
Salaries & Employee Benefits	70.63	65.15	52.5	43.73	45.95
Cost of Services Provided	132.42	117.69	103.01	108.85	111.71
Other Operating Expenses	2.11	2.81	4.46	1.47	6.9
Total Operating Expenses	217.37	197.79	171.24	164.08	174.01
Operating Income	47.48	31.87	28.95	19.58	20.25
Currency Exchange Gains	13.15	10.34	6.58	9.4	14.31
EBT Excluding Unusual Items	60.64	42.21	35.52	28.97	34.57
Gain (Loss) on Sale of Investments	-0.58	0.05	0.84	0.41	-2.06
Pretax Income	60.06	42.27	36.37	29.38	32.51
Income Tax Expense	17.2	11.69	9.8	7.6	7.16
Earnings From Continuing Ops.	42.86	30.57	26.56	21.78	25.35
Minority Interest in Earnings	-0.23	-0.24	-0.44	-0.24	-0.01
Net Income	42.63	30.33	26.13	21.54	25.34
Net Income to Common	42.63	30.33	26.13	21.54	25.34
Net Income Growth	40.55%	16.09%	21.30%	-14.99%	39.70%
Shares Outstanding (Basic)	41	40	41	41	41
Shares Outstanding (Diluted)	41	40	41	41	41
Shares Change (YoY)	0.40%	-0.59%	0.15%	-	0.04%
EPS (Basic)	1.05	0.75	0.64	0.53	0.62
EPS (Diluted)	1.05	0.75	0.64	0.53	0.62
EPS Growth	40.00%	17.19%	20.76%	-14.52%	38.80%
Free Cash Flow	-165.95	481.1	360.27	-401.15	472.05
Free Cash Flow Per Share	-4.09	11.90	8.86	-9.88	11.62
Dividend Per Share	-	0.535	0.420	0.300	0.410
Dividend Growth	-	27.38%	40.00%	-26.83%	1690.39%
Operating Margin	17.93%	13.88%	14.46%	10.66%	10.43%
Profit Margin	16.10%	13.21%	13.05%	11.73%	13.04%
Free Cash Flow Margin	-62.66%	209.48%	179.97%	-218.43%	242.99%
Effective Tax Rate	28.64%	27.67%	26.95%	25.87%	22.02%

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