Financiera Oh! 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	497.31	482.03	530.57	526.75	368.09
Total Interest Expense	84.03	100.64	116.64	86.01	51.87
Net Interest Income	413.29	381.39	413.93	440.74	316.22
Commissions and Fees	226.4	211.68	218.9	201.55	163.23
Other Revenue	1.52	-0.18	1.03	1.47	-1.85
Revenue Before Loan Losses	641.2	592.89	633.85	643.76	477.61
Provision for Loan Losses	227.55	293.32	387.84	238.01	112.71
Revenue	413.65	299.57	246.01	405.75	364.9
Revenue Growth (YoY)	38.08%	21.77%	-39.37%	11.19%	90.28%
Salaries & Employee Benefits	87.08	-	-	-	-
Cost of Services Provided	255.06	298.59	328.11	339.05	293.23
Other Operating Expenses	5.58	5.89	5.57	6.86	4.98
Total Operating Expenses	367	316.88	344.48	357.06	308.54
Operating Income	46.65	-17.32	-98.46	48.69	56.36
Currency Exchange Gain (Loss)	0.84	0.93	0.14	0.19	0.2
EBT Excluding Unusual Items	40.85	-33.2	-104.18	54.9	55.62
Pretax Income	39.27	-33.2	-104.18	54.9	50.35
Income Tax Expense	14.59	-0.95	-19.61	22.77	21.87
Net Income	24.67	-32.25	-84.57	32.13	28.48
Net Income to Common	24.67	-32.25	-84.57	32.13	28.48
Net Income Growth	-	-	-	12.83%	-
Shares Outstanding (Basic)	425	407	323	294	320
Shares Outstanding (Diluted)	425	407	323	294	320
Shares Change (YoY)	4.47%	26.25%	9.85%	-8.33%	3.36%
EPS (Basic)	0.06	-0.08	-0.26	0.11	0.09
EPS (Diluted)	0.06	-0.08	-0.26	0.11	0.09
EPS Growth	-	-	-	23.08%	-
Free Cash Flow	83.51	259.11	46.97	157.24	-310.63
Free Cash Flow Per Share	0.20	0.64	0.15	0.54	-0.97
Operating Margin	11.28%	-5.78%	-40.02%	12.00%	15.45%
Profit Margin	5.96%	-10.76%	-34.38%	7.92%	7.80%
Free Cash Flow Margin	20.19%	86.50%	19.09%	38.75%	-85.13%
Effective Tax Rate	37.16%	-	-	41.48%	43.45%

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