Financiera Credinka Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun '24 Jun 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest and Dividend Income	93	108.26	126.96	130.04	173.53	188.85
Total Interest Expense	41.05	44.9	39.59	43.48	50.27	51.01
Net Interest Income	51.95	63.36	87.37	86.56	123.26	137.84
Commissions and Fees	2.55	2.6	6.27	6.82	7.01	6.82
Gain (Loss) on Sale of Investments	0.41	0.56	0.71	0.26	-	1.1
Revenue Before Loan Losses	54.91	66.52	94.35	93.64	130.27	145.75
Provision for Loan Losses	34.71	37.65	45.77	68.74	38.1	37.91
Revenue	20.2	28.87	48.59	24.9	92.17	107.85
Revenue Growth (YoY)	-56.06%	-40.57%	95.14%	-72.99%	-14.53%	4.88%
Cost of Services Provided	73.24	77.23	85.6	82.76	82.05	97
Other Operating Expenses	5.26	4.39	7.82	2.87	0.96	0.93
Total Operating Expenses	79.85	85.39	96.66	89.15	88.54	103.32
Operating Income	-59.65	-56.52	-48.08	-64.25	3.63	4.53
Currency Exchange Gain (Loss)	0.69	0.41	0.21	0.21	0.29	0.36
EBT Excluding Unusual Items	-59.4	-55.35	-43.84	-62.44	5.93	4.59
Other Unusual Items	-3.3	-2.4	-7.5	-8.6	-4.34	-
Pretax Income	-60.88	-55.23	-50.57	-71.03	1.62	1.03
Income Tax Expense	-18.14	-16.52	-14.59	-20.17	1.61	0.98
Net Income	-42.74	-38.71	-35.98	-50.86	0.01	0.05
Net Income to Common	-42.74	-38.71	-35.98	-50.86	0.01	0.05
Net Income Growth	-	-	-	-	-90.74%	-
Shares Outstanding (Basic)	167	164	159	157	157	154
Shares Outstanding (Diluted)	167	164	159	157	157	154
Shares Change (YoY)	3.65%	3.31%	0.88%	-	2.50%	2.65%
EPS (Basic)	-0.26	-0.24	-0.23	-0.32	0.00	0.00
EPS (Diluted)	-0.26	-0.24	-0.23	-0.32	0.00	0.00
EPS Growth	-	-	-	-	-91.17%	-
Free Cash Flow	-23.1	13.07	-20.11	-20.02	62.25	36.85
Free Cash Flow Per Share	-0.14	0.08	-0.13	-0.13	0.40	0.24
Operating Margin	-295.33%	-195.75%	-98.96%	-258.05%	3.94%	4.20%
Profit Margin	-211.60%	-134.07%	-74.05%	-204.27%	0.01%	0.05%
Free Cash Flow Margin	-114.37%	45.27%	-41.38%	-80.40%	67.54%	34.17%
Effective Tax Rate	-	-	-	-	99.69%	94.77%

Updated Jul 24, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.