Financiera Credinka 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
Interest and Dividend Income	2.79	61.8	108.26	126.96	130.04
Total Interest Expense	1.31	25.46	44.9	39.59	43.48
Net Interest Income	1.49	36.34	63.36	87.37	86.56
Commissions and Fees	0	0.34	2.6	6.27	6.82
Gain (Loss) on Sale of Investments	0.19	0.3	0.56	0.71	0.26
Revenue Before Loan Losses	1.68	36.99	66.52	94.35	93.64
Provision for Loan Losses	0.26	21.73	37.65	45.77	68.74
Revenue	1.42	15.26	28.87	48.59	24.9
Revenue Growth (YoY)	-90.68%	-47.15%	-40.57%	95.14%	-72.99%
Salaries & Employee Benefits	2.68	32.71	-	-	-
Cost of Services Provided	1.36	20.22	77.23	85.6	82.76
Other Operating Expenses	6.77	4.87	4.39	7.82	2.87
Total Operating Expenses	14.8	63.79	85.39	96.66	89.15
Operating Income	-13.38	-48.53	-56.52	-48.08	-64.25
Currency Exchange Gain (Loss)	-0.07	0.49	0.41	0.21	0.21
EBT Excluding Unusual Items	-22.46	-57.95	-55.35	-43.84	-62.44
Other Unusual Items	-	-	-2.4	-7.5	-8.6
Pretax Income	-22.48	-58.14	-55.23	-50.57	-71.03
Income Tax Expense	-2.41	64.8	-16.52	-14.59	-20.17
Net Income	-20.07	-122.94	-38.71	-35.98	-50.86
Net Income to Common	-20.07	-122.94	-38.71	-35.98	-50.86
Shares Outstanding (Basic)	-	-	164	159	157
Shares Outstanding (Diluted)	-	-	164	159	157
Shares Change (YoY)	-	-	3.31%	0.88%	-
EPS (Basic)	-	-	-0.24	-0.23	-0.32
EPS (Diluted)	-	-	-0.24	-0.23	-0.32
Free Cash Flow	-	-	13.07	-20.11	-20.02
Free Cash Flow Per Share	-	-	0.08	-0.13	-0.13
Operating Margin	-940.62%	-317.99%	-195.75%	-98.96%	-258.05%
Profit Margin	-1411.22%	-805.61%	-134.07%	-74.05%	-204.27%
Free Cash Flow Margin	-	-	45.27%	-41.38%	-80.40%