Creditex Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Revenue	324.26	349.39	325.04	443.36	342.04
Revenue Growth (YoY)	-7.19%	7.49%	-26.69%	29.62%	57.17%
Cost of Revenue	287.11	314.37	294.32	336.91	266.99
Gross Profit	37.15	35.01	30.72	106.44	75.05
Selling, General & Admin	41.64	40.53	40.18	46.14	39.37
Other Operating Expenses	-6.61	-3.58	-3.82	-4.28	-4.1
Operating Expenses	35.04	36.95	36.36	41.86	35.27
Operating Income	2.11	-1.94	-5.65	64.58	39.78
Interest Expense	-4.48	-5.68	-6.58	-2.52	-1.5
Interest & Investment Income	-	1.5	1.06	3.24	6.38
Currency Exchange Gain (Loss)	2	-1.04	0.6	-3.2	0.29
Other Non Operating Income (Expenses)	2.34	-0.33	-0.46	-0.34	-0.26
EBT Excluding Unusual Items	1.97	-7.49	-11.02	61.75	44.69
Gain (Loss) on Sale of Investments	0.57	-	-	-	-
Gain (Loss) on Sale of Assets	-	0.19	0.04	0.08	0.11
Legal Settlements	-	0.46	-0.6	-0.31	-0.6
Other Unusual Items	-	-0.03	-0.05	-0.01	-0.41
Pretax Income	2.55	-6.85	-11.43	61.62	44.16
Income Tax Expense	1.38	-0.61	-1.89	13.2	10.2
Net Income	1.16	-6.25	-9.55	48.42	33.96
Net Income to Common	1.16	-6.25	-9.55	48.42	33.96
Net Income Growth	-	-	-	42.56%	-
Shares Outstanding (Basic)	166	174	174	174	174
Shares Outstanding (Diluted)	166	174	174	174	174
Shares Change (YoY)	-4.42%	-	-	-	-
EPS (Basic)	0.01	-0.04	-0.05	0.28	0.20
EPS (Diluted)	0.01	-0.04	-0.05	0.28	0.20
EPS Growth	-	-	-	42.56%	-
Free Cash Flow	-7.47	38.09	-2.67	-21.55	2.3
Free Cash Flow Per Share	-0.04	0.22	-0.01	-0.12	0.01
Dividend Per Share	-	-	-	0.070	0.070
Gross Margin	11.46%	10.02%	9.45%	24.01%	21.94%
Operating Margin	0.65%	-0.56%	-1.74%	14.57%	11.63%
Profit Margin	0.36%	-1.79%	-2.94%	10.92%	9.93%
Free Cash Flow Margin	-2.30%	10.90%	-0.82%	-4.86%	0.67%
EBITDA	10.13	10.02	6.42	76.06	51.16
EBITDA Margin	3.12%	2.87%	1.97%	17.16%	14.96%
D&A For EBITDA	8.02	11.96	12.06	11.48	11.39
EBIT	2.11	-1.94	-5.65	64.58	39.78
EBIT Margin	0.65%	-0.56%	-1.74%	14.57%	11.63%
Effective Tax Rate	54.36%	-	-	21.43%	23.09%
Revenue as Reported	-	351.97	328.4	447.41	344.58
Advertising Expenses	-	1.73	1.38	1.11	0.89

Source: S&P Global Market Intelligence. Standard template. Financial Sources.