ELANA Agrocredit AD Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
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	Dec '21 Dec 31, 2021
Interest and Dividend Income	4.01	3.92	3.61	2.75	2.25	2.23
Total Interest Expense	1.3	1.33	1.46	0.81	0.26	0.22
Net Interest Income	2.71	2.59	2.15	1.94	1.99	2.01
Gain (Loss) on Sale of Investments	-	-	-	-	0.04	-
Other Revenue	-	-	-	-	2.37	-
Revenue Before Loan Losses	4.45	4.19	2.79	4.12	4.4	3.63
Revenue	4.45	4.19	2.79	4.12	4.4	3.63
Revenue Growth (YoY)	57.60%	50.09%	-32.17%	-6.51%	21.35%	-31.49%
Salaries & Employee Benefits	0.1	0.09	0.08	0.07	0.06	0.06
Cost of Services Provided	2.25	2.11	1.08	2.51	1.91	2.03
Other Operating Expenses	0.01	0.01	-	0	0.71	0
Total Operating Expenses	2.37	2.21	1.16	2.58	2.68	2.09
Operating Income	2.08	1.98	1.63	1.54	1.72	1.54
Currency Exchange Gain (Loss)	-0	-0	-0	-0	-	-
EBT Excluding Unusual Items	2.08	1.97	1.62	1.53	1.72	1.54
Gain (Loss) on Sale of Investments	0.01	0.01	0.01	0.02	-0.11	0.01
Other Unusual Items	-	-	-	-0	-	-0
Pretax Income	2.09	1.98	1.63	1.55	1.61	1.55
Income Tax Expense	0.21	0.2	0.16	0.15	0.16	0.15
Net Income	1.88	1.78	1.47	1.39	1.45	1.39
Net Income to Common	1.88	1.78	1.47	1.39	1.45	1.39
Net Income Growth	22.67%	21.21%	5.53%	-4.27%	4.40%	-4.95%
Shares Outstanding (Basic)	47	47	42	36	36	36
Shares Outstanding (Diluted)	47	47	42	36	36	36
Shares Change (YoY)	-	11.05%	15.29%	0.11%	-	-0.45%
EPS (Basic)	0.04	0.04	0.03	0.04	0.04	0.04
EPS (Diluted)	0.04	0.04	0.03	0.04	0.04	0.04
EPS Growth	22.67%	9.15%	-8.46%	-4.38%	4.40%	-4.52%
Dividend Per Share	-	-	0.031	0.037	0.038	0.034
Dividend Growth	-	-	-18.18%	-0.88%	9.35%	-4.96%
Operating Margin	46.84%	47.15%	58.43%	37.34%	39.18%	42.46%
Profit Margin	42.19%	42.49%	52.61%	33.81%	33.02%	38.39%
Effective Tax Rate	10.00%	10.01%	9.99%	9.99%	9.97%	10.01%
Revenue as Reported	-	-	-	-	4.66	-