Renta 4 Banco, S.A. (BME:R4)

Renta 4 Banco Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	48.71	49.92	55.59	40.02	13.01	4.84
Total Interest Expense	20.1	22.55	31.15	16.76	3.9	4.62
Net Interest Income	28.62	27.37	24.44	23.26	9.11	0.22
Brokerage Commission	229.32	222.43	190.86	166.08	170.68	180.63
Trading & Principal Transactions	13.42	13.42	13.58	10.69	2.23	8.37
Gain on Sale of Investments (Rev)	1.21	1.21	0.73	0.24	0.82	2.78
Other Revenue	2.21	0.42	0.05	-0.09	0.81	2.28
Revenue Before Loan Losses	274.78	264.85	229.66	200.18	183.66	194.27
Revenue	274.78	264.85	229.66	200.18	183.66	194.27
Revenue Growth (YoY)	14.98%	15.32%	14.72%	9.00%	-5.46%	13.07%
Salaries & Employee Benefits	73.77	70.63	65.15	52.5	43.73	45.95
Cost of Services Provided	134.77	132.42	117.69	103.01	108.85	111.71
Other Operating Expenses	2.01	2.11	2.81	4.46	1.47	6.9
Total Operating Expenses	222.73	217.37	197.79	171.24	164.08	174.01
Operating Income	52.06	47.48	31.87	28.95	19.58	20.25
Currency Exchange Gains	13.93	13.15	10.34	6.58	9.4	14.31
EBT Excluding Unusual Items	65.98	60.64	42.21	35.52	28.97	34.57
Gain (Loss) on Sale of Investments	-0.58	-0.58	0.05	0.84	0.41	-2.06
Pretax Income	65.41	60.06	42.27	36.37	29.38	32.51
Income Tax Expense	18.72	17.2	11.69	9.8	7.6	7.16
Earnings From Continuing Ops.	46.69	42.86	30.57	26.56	21.78	25.35
Minority Interest in Earnings	-0.23	-0.23	-0.24	-0.44	-0.24	-0.01
Net Income	46.46	42.63	30.33	26.13	21.54	25.34
Net Income to Common	46.46	42.63	30.33	26.13	21.54	25.34
Net Income Growth	36.29%	40.55%	16.09%	21.30%	-14.99%	39.70%
Shares Outstanding (Basic)	41	41	40	41	41	41
Shares Outstanding (Diluted)	41	41	40	41	41	41
Shares Change (YoY)	0.40%	0.40%	-0.59%	0.15%	-	0.04%
EPS (Basic)	1.14	1.05	0.75	0.64	0.53	0.62
EPS (Diluted)	1.14	1.05	0.75	0.64	0.53	0.62
EPS Growth	35.75%	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	18.94%	17.93%	13.88%	14.46%	10.66%	10.43%
Profit Margin	16.91%	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	28.62%	28.64%	27.67%	26.95%	25.87%	22.02%

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