ELANA Agrocredit AD (BUL:EAC)

ELANA Agrocredit AD Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	7.66	7.04	5.38	4.41	4.36
Total Interest Expense	2.59	2.84	1.59	0.51	0.44
Net Interest Income	5.06	4.2	3.8	3.9	3.92
Gain (Loss) on Sale of Investments	-	-	-	0.08	-
Other Revenue	-	-	-	4.64	-
Revenue Before Loan Losses	8.19	5.45	8.05	8.61	7.09
Revenue	8.19	5.45	8.05	8.61	7.09
Revenue Growth (YoY)	50.40%	-32.35%	-6.53%	21.40%	-31.52%
Salaries & Employee Benefits	0.18	0.15	0.13	0.12	0.11
Cost of Services Provided	4.12	2.1	4.9	3.73	3.97
Other Operating Expenses	0.02	-	0	1.39	0.01
Total Operating Expenses	4.33	2.26	5.04	5.24	4.08
Operating Income	3.86	3.18	3.01	3.37	3.01
Currency Exchange Gain (Loss)	-0	-0	-0.01	-	-
EBT Excluding Unusual Items	3.85	3.17	2.99	3.37	3.01
Gain (Loss) on Sale of Investments	0.01	0.01	0.03	-0.21	0.02
Other Unusual Items	-	-	-0	-	-0
Pretax Income	3.87	3.18	3.02	3.16	3.03
Income Tax Expense	0.39	0.32	0.3	0.32	0.3
Net Income	3.48	2.87	2.72	2.84	2.72
Net Income to Common	3.48	2.87	2.72	2.84	2.72
Net Income Growth	21.47%	5.25%	-4.29%	4.44%	-4.99%
Shares Outstanding (Basic)	47	42	36	36	36
Shares Outstanding (Diluted)	47	42	36	36	36
Shares Change (YoY)	11.05%	15.29%	0.11%	-	-0.45%
EPS (Basic)	0.07	0.07	0.07	0.08	0.07
EPS (Diluted)	0.07	0.07	0.07	0.08	0.07
EPS Growth	9.38%	-8.70%	-4.40%	4.44%	-4.56%
Dividend Per Share	-	0.060	0.073	0.074	0.067
Dividend Growth	-	-18.40%	-0.90%	9.39%	-5.00%
Operating Margin	47.15%	58.43%	37.34%	39.18%	42.46%
Profit Margin	42.49%	52.61%	33.81%	33.02%	38.39%
Effective Tax Rate	10.01%	9.99%	9.99%	9.97%	10.01%
Revenue as Reported	-	-	-	9.12	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.