Financiera Oh! S.A. (BVL:FINOHC1)

Financiera Oh! Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	482.03	530.57	526.75	368.09	437.2
Total Interest Expense	100.64	116.64	86.01	51.87	77.52
Net Interest Income	381.39	413.93	440.74	316.22	359.68
Commissions and Fees	211.68	218.9	201.55	163.23	158.68
Other Revenue	-0.18	1.03	1.47	-1.85	0.82
Revenue Before Loan Losses	592.89	633.85	643.76	477.61	519.18
Provision for Loan Losses	293.32	387.84	238.01	112.71	327.41
Revenue	299.57	246.01	405.75	364.9	191.77
Revenue Growth (YoY)	21.77%	-39.37%	11.19%	90.28%	-48.08%
Cost of Services Provided	298.59	328.11	339.05	293.23	249.25
Other Operating Expenses	5.89	5.57	6.86	4.98	5.34
Total Operating Expenses	316.88	344.48	357.06	308.54	264.57
Operating Income	-17.32	-98.46	48.69	56.36	-72.79
Currency Exchange Gain (Loss)	0.93	0.14	0.19	0.2	0.19
EBT Excluding Unusual Items	-33.2	-104.18	54.9	55.62	-78.7
Pretax Income	-33.2	-104.18	54.9	50.35	-85.7
Income Tax Expense	-0.95	-19.61	22.77	21.87	-18.08
Net Income	-32.25	-84.57	32.13	28.48	-67.62
Net Income to Common	-32.25	-84.57	32.13	28.48	-67.62
Net Income Growth	-	-	12.83%	-	-
Shares Outstanding (Basic)	407	323	294	320	310
Shares Outstanding (Diluted)	407	323	294	320	310
Shares Change (YoY)	26.25%	9.85%	-8.33%	3.36%	-3.91%
EPS (Basic)	-0.08	-0.26	0.11	0.09	-0.22
EPS (Diluted)	-0.08	-0.26	0.11	0.09	-0.22
EPS Growth	-	-	23.08%	-	-
Free Cash Flow	259.11	46.97	157.24	-310.63	452.23
Free Cash Flow Per Share	0.64	0.15	0.54	-0.97	1.46
Operating Margin	-5.78%	-40.02%	12.00%	15.45%	-37.96%
Profit Margin	-10.76%	-34.38%	7.92%	7.80%	-35.26%
Free Cash Flow Margin	86.50%	19.09%	38.75%	-85.13%	235.82%
Effective Tax Rate	-	-	41.48%	43.45%	-

Updated Jan 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.