BH Leasing Société Anonyme (BVMT:BHL)

BVMT:BHL Income Statement

Financials in millions TND. 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	41.26	37.03	35.38	34.03	30.85
Total Interest Expense	23.21	22.17	19.66	20.67	25.25
Net Interest Income	18.05	14.86	15.72	13.36	5.61
Other Revenue	0.63	-0.41	0.04	0.32	2.85
Revenue Before Loan Losses	18.68	14.46	15.76	13.68	8.45
Provision for Loan Losses	2.68	2.73	5.23	3.89	1.84
Revenue	16	11.73	10.52	9.79	6.62
Revenue Growth (YoY)	36.44%	11.43%	7.48%	47.99%	-
Salaries & Employee Benefits	7.64	6.86	5.76	5.28	4.34
Cost of Services Provided	1.22	1.07	1.03	1.24	0.86
Other Operating Expenses	1.66	1.54	1.72	1.94	1.51
Total Operating Expenses	11.01	9.95	8.78	8.77	7.01
Operating Income	4.99	1.78	1.75	1.02	-0.4
Currency Exchange Gain (Loss)	-0.01	-0.01	-0	-0	-0
EBT Excluding Unusual Items	5.38	3.65	2	1.2	-0.33
Gain (Loss) on Sale of Investments	-	-0.41	0.04	0.02	-0.12
Other Unusual Items	-	-	-	-	-0.01
Pretax Income	5.38	3.23	2.04	1.21	-0.45
Income Tax Expense	1.48	0.08	0.08	0.07	0.06
Earnings From Continuing Ops.	3.9	3.15	1.96	1.14	-0.51
Net Income	3.9	3.15	1.96	1.14	-0.51
Net Income to Common	3.9	3.15	1.96	1.14	-0.51
Net Income Growth	23.79%	60.57%	72.01%	-	-
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7
EPS (Basic)	0.56	0.45	0.28	0.16	-0.07
EPS (Diluted)	0.56	0.45	0.28	0.16	-0.07
EPS Growth	23.79%	60.57%	72.01%	-	-
Free Cash Flow	-6.4	1.2	10.84	11.1	33.68
Free Cash Flow Per Share	-0.92	0.17	1.55	1.59	4.81
Operating Margin	31.18%	15.16%	16.60%	10.40%	-6.01%
Profit Margin	24.37%	26.86%	18.64%	11.65%	-7.75%
Free Cash Flow Margin	-40.01%	10.21%	102.98%	113.39%	509.02%
Effective Tax Rate	27.55%	2.56%	3.90%	6.03%	-

Updated Sep 9, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.