InFinance XP Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	508.93	497.31	482.03	530.57	526.75	368.09
Total Interest Expense	84.68	83.85	100.64	116.64	86.01	51.87
Net Interest Income	424.25	413.47	381.39	413.93	440.74	316.22
Commissions and Fees	234.89	226.4	211.68	218.9	201.55	163.23
Other Revenue	6.55	1.52	-0.18	1.03	1.47	-1.85
Revenue Before Loan Losses	665.69	641.39	592.89	633.85	643.76	477.61
Provision for Loan Losses	222.84	229.14	293.32	387.84	238.01	112.71
Revenue	442.85	412.25	299.57	246.01	405.75	364.9
Revenue Growth (YoY)	23.46%	37.62%	21.77%	-39.37%	11.19%	90.28%
Cost of Services Provided	371.33	342.14	298.59	328.11	339.05	293.23
Other Operating Expenses	8.24	5.76	5.89	5.57	6.86	4.98
Total Operating Expenses	398.77	367.18	316.88	344.48	357.06	308.54
Operating Income	44.08	45.07	-17.32	-98.46	48.69	56.36
Currency Exchange Gain (Loss)	0.67	0.84	0.93	0.14	0.19	0.2
EBT Excluding Unusual Items	37.19	39.27	-33.2	-104.18	54.9	55.62
Pretax Income	37.21	39.27	-33.2	-104.18	54.9	50.35
Income Tax Expense	13.81	14.59	-0.95	-19.61	22.77	21.87
Net Income	23.4	24.67	-32.25	-84.57	32.13	28.48
Net Income to Common	23.4	24.67	-32.25	-84.57	32.13	28.48
Net Income Growth	208.00%	-	-	-	12.83%	-
Shares Outstanding (Basic)	432	427	407	323	294	320
Shares Outstanding (Diluted)	432	427	407	323	294	320
Shares Change (YoY)	3.31%	4.78%	26.25%	9.85%	-8.33%	3.36%
EPS (Basic)	0.05	0.06	-0.08	-0.26	0.11	0.09
EPS (Diluted)	0.05	0.06	-0.08	-0.26	0.11	0.09
EPS Growth	198.13%	-	-	-	23.08%	-
Free Cash Flow	191.65	83.51	259.11	46.97	157.24	-310.63
Free Cash Flow Per Share	0.44	0.20	0.64	0.15	0.54	-0.97
Operating Margin	9.95%	10.93%	-5.78%	-40.02%	12.00%	15.45%
Profit Margin	5.28%	5.99%	-10.76%	-34.38%	7.92%	7.80%
Free Cash Flow Margin	43.28%	20.26%	86.50%	19.09%	38.75%	-85.13%
Effective Tax Rate	37.12%	37.16%	-	-	41.48%	43.45%

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