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

Financiera Oh! Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	481.52	482.03	530.57	526.75	368.09	437.2
Total Interest Expense	82.98	100.64	116.64	86.01	51.87	77.52
Net Interest Income	398.54	381.39	413.93	440.74	316.22	359.68
Commissions and Fees	220.59	211.68	218.9	201.55	163.23	158.68
Other Revenue	0.84	-0.18	1.03	1.47	-1.85	0.82
Revenue Before Loan Losses	619.97	592.89	633.85	643.76	477.61	519.18
Provision for Loan Losses	227.41	293.32	387.84	238.01	112.71	327.41
Revenue	392.55	299.57	246.01	405.75	364.9	191.77
Revenue Growth (YoY)	58.00%	21.77%	-39.37%	11.19%	90.28%	-48.08%
Cost of Services Provided	308.85	298.59	328.11	339.05	293.23	249.25
Other Operating Expenses	6.95	5.89	5.57	6.86	4.98	5.34
Total Operating Expenses	344.09	316.88	344.48	357.06	308.54	264.57
Operating Income	48.47	-17.32	-98.46	48.69	56.36	-72.79
Currency Exchange Gain (Loss)	0.71	0.93	0.14	0.19	0.2	0.19
EBT Excluding Unusual Items	40.64	-33.2	-104.18	54.9	55.62	-78.7
Pretax Income	39.79	-33.2	-104.18	54.9	50.35	-85.7
Income Tax Expense	13.94	-0.95	-19.61	22.77	21.87	-18.08
Net Income	25.84	-32.25	-84.57	32.13	28.48	-67.62
Net Income to Common	25.84	-32.25	-84.57	32.13	28.48	-67.62
Net Income Growth	-	-	-	12.83%	-	-
Shares Outstanding (Basic)	420	407	323	294	320	310
Shares Outstanding (Diluted)	420	407	323	294	320	310
Shares Change (YoY)	9.41%	26.25%	9.85%	-8.33%	3.36%	-3.91%
EPS (Basic)	0.06	-0.08	-0.26	0.11	0.09	-0.22
EPS (Diluted)	0.06	-0.08	-0.26	0.11	0.09	-0.22
EPS Growth	-	-	-	23.08%	-	-
Free Cash Flow	62.14	259.11	46.97	157.24	-310.63	452.23
Free Cash Flow Per Share	0.15	0.64	0.15	0.54	-0.97	1.46
Operating Margin	12.35%	-5.78%	-40.02%	12.00%	15.45%	-37.96%
Profit Margin	6.58%	-10.76%	-34.38%	7.92%	7.80%	-35.26%
Free Cash Flow Margin	15.83%	86.50%	19.09%	38.75%	-85.13%	235.82%
Effective Tax Rate	35.04%	-	-	41.48%	43.45%	-

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