Credifamilia Compañía de Financiamiento S.A. (BVC:CREDIFAMI)

BVC:CREDIFAMI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	78,987	77,904	70,714	59,933	51,358	45,033
Total Interest Expense	49,650	52,881	48,715	28,830	20,179	18,782
Net Interest Income	29,337	25,023	22,000	31,103	31,179	26,251
Commissions and Fees	4,048	3,609	3,080	2,403	2,000	2,106
Gain (Loss) on Sale of Investments	1,566	1,837	1,517	2,955	996.76	1,453
Other Revenue	34,868	36,727	59,340	63,167	22,144	6,133
Revenue Before Loan Losses	69,820	67,196	85,937	99,628	56,320	35,943
Provision for Loan Losses	8,703	7,910	7,544	7,680	3,728	5,336
Revenue	61,117	59,285	78,393	91,948	52,592	30,607
Revenue Growth (YoY)	-5.95%	-24.37%	-14.74%	74.83%	71.83%	-18.46%
Salaries & Employee Benefits	16,368	15,979	14,599	11,933	10,346	8,744
Cost of Services Provided	11,522	10,910	9,013	10,925	8,381	13,741
Other Operating Expenses	16,996	19,751	34,375	41,245	17,374	-2,005
Total Operating Expenses	45,074	46,777	58,100	64,227	36,175	21,064
Operating Income	16,044	12,508	20,293	27,721	16,417	9,543
Pretax Income	15,990	12,508	20,293	27,721	16,417	10,009
Income Tax Expense	2,460	2,077	3,242	-	-	-
Net Income	13,530	10,431	17,052	27,721	16,417	10,009
Net Income to Common	13,530	10,431	17,052	27,721	16,417	10,009
Net Income Growth	21.37%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Shares Outstanding (Basic)	36	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36	36
Shares Change (YoY)	-0.00%	-	-	-	-	-
EPS (Basic)	375.21	289.26	472.85	768.73	455.26	277.55
EPS (Diluted)	375.21	289.26	472.85	768.73	455.26	277.55
EPS Growth	21.37%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Free Cash Flow	52,924	39,141	-51,444	86,608	9,386	-47,411
Free Cash Flow Per Share	1467.63	1085.40	-1426.58	2401.68	260.29	-1314.74
Dividend Per Share	130.170	130.170	212.780	346.000	204.870	-
Dividend Growth	-38.82%	-38.82%	-38.50%	68.89%	-	-
Operating Margin	26.25%	21.10%	25.89%	30.15%	31.22%	31.18%
Profit Margin	22.14%	17.59%	21.75%	30.15%	31.22%	32.70%
Free Cash Flow Margin	86.59%	66.02%	-65.62%	94.19%	17.85%	-154.90%
Effective Tax Rate	15.38%	16.61%	15.97%	-	-	-

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.