ELANA Agrocredit AD (BUL:EAC)

ELANA Agrocredit AD Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	7.27	7.04	5.38	4.41	4.36	4.56
Total Interest Expense	2.89	2.84	1.59	0.51	0.44	0.52
Net Interest Income	4.37	4.2	3.8	3.9	3.92	4.04
Gain (Loss) on Sale of Investments	-	-	-	0.08	-	-
Other Revenue	-	-	-	4.64	-	-
Revenue Before Loan Losses	5.53	5.45	8.05	8.61	7.09	10.36
Revenue	5.53	5.45	8.05	8.61	7.09	10.36
Revenue Growth (YoY)	-24.50%	-32.35%	-6.53%	21.40%	-31.52%	-9.04%
Salaries & Employee Benefits	0.16	0.15	0.13	0.12	0.11	0.1
Cost of Services Provided	2.03	2.1	4.9	3.73	3.97	7.07
Other Operating Expenses	-	-	0	1.39	0.01	0.01
Total Operating Expenses	2.2	2.26	5.04	5.24	4.08	7.18
Operating Income	3.33	3.18	3.01	3.37	3.01	3.18
Currency Exchange Gain (Loss)	-0	-0	-0.01	-	-	-
EBT Excluding Unusual Items	3.32	3.17	2.99	3.37	3.01	3.19
Gain (Loss) on Sale of Investments	0.01	0.01	0.03	-0.21	0.02	-
Other Unusual Items	-	-	-0	-	-0	-0
Pretax Income	3.33	3.18	3.02	3.16	3.03	3.19
Income Tax Expense	0.33	0.32	0.3	0.32	0.3	0.32
Net Income	3	2.87	2.72	2.84	2.72	2.87
Net Income to Common	3	2.87	2.72	2.84	2.72	2.87
Net Income Growth	12.59%	5.25%	-4.29%	4.44%	-4.99%	3.43%
Shares Outstanding (Basic)	47	42	36	36	36	37
Shares Outstanding (Diluted)	47	42	36	36	36	37
Shares Change (YoY)	-	15.29%	0.11%	-	-0.45%	-0.10%
EPS (Basic)	0.06	0.07	0.07	0.08	0.07	0.08
EPS (Diluted)	0.06	0.07	0.07	0.08	0.07	0.08
EPS Growth	-	-8.70%	-4.40%	4.44%	-4.56%	3.53%
Dividend Per Share	-	-	0.073	0.074	0.067	0.071
Dividend Growth	-	-	-0.90%	9.39%	-5.00%	4.00%
Operating Margin	60.20%	58.43%	37.34%	39.18%	42.46%	30.70%
Profit Margin	54.21%	52.61%	33.81%	33.02%	38.39%	27.67%
Effective Tax Rate	10.00%	9.99%	9.99%	9.97%	10.01%	10.02%
Revenue as Reported	-	-	-	9.12	-	-

Updated Jan 27, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.