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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	78,533	77,904	70,714	59,933	51,358	45,033
Total Interest Expense	51,211	52,881	48,715	28,830	20,179	18,782
Net Interest Income	27,322	25,023	22,000	31,103	31,179	26,251
Commissions and Fees	3,820	3,609	3,080	2,403	2,000	2,106
Gain (Loss) on Sale of Investments	1,599	1,837	1,517	2,955	996.76	1,453
Other Revenue	36,340	36,727	59,340	63,167	22,144	6,133
Revenue Before Loan Losses	69,081	67,196	85,937	99,628	56,320	35,943
Provision for Loan Losses	8,310	7,910	7,544	7,680	3,728	5,336
Revenue	60,771	59,285	78,393	91,948	52,592	30,607
Revenue Growth (YoY)	-10.54%	-24.37%	-14.74%	74.83%	71.83%	-18.46%
Salaries & Employee Benefits	16,194	15,979	14,599	11,933	10,346	8,744
Cost of Services Provided	11,220	10,910	9,013	10,925	8,381	13,741
Other Operating Expenses	18,718	19,751	34,375	41,245	17,374	-2,005
Total Operating Expenses	46,275	46,777	58,100	64,227	36,175	21,064
Operating Income	14,496	12,508	20,293	27,721	16,417	9,543
Pretax Income	14,468	12,508	20,293	27,721	16,417	10,009
Income Tax Expense	2,356	2,077	3,242	-	-	-
Net Income	12,113	10,431	17,052	27,721	16,417	10,009
Net Income to Common	12,113	10,431	17,052	27,721	16,417	10,009
Net Income Growth	-5.38%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Shares Outstanding (Basic)	34	36	36	36	36	36
Shares Outstanding (Diluted)	34	36	36	36	36	36
Shares Change (YoY)	-6.65%	-	-	-	-	-
EPS (Basic)	359.84	289.26	472.85	768.73	455.26	277.55
EPS (Diluted)	359.84	289.26	472.85	768.73	455.26	277.55
EPS Growth	1.36%	-38.83%	-38.49%	68.85%	64.03%	15.29%
Free Cash Flow	78,577	39,141	-51,444	86,608	9,386	-47,411
Free Cash Flow Per Share	2334.34	1085.40	-1426.58	2401.68	260.29	-1314.74
Dividend Per Share	-	-	212.780	346.000	204.870	-
Dividend Growth	-	-	-38.50%	68.89%	-	-
Operating Margin	23.85%	21.10%	25.89%	30.15%	31.22%	31.18%
Profit Margin	19.93%	17.59%	21.75%	30.15%	31.22%	32.70%
Free Cash Flow Margin	129.30%	66.02%	-65.62%	94.19%	17.85%	-154.90%
Effective Tax Rate	16.28%	16.61%	15.97%	-	-	-

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