Societe d'Equipement Domestique et Menager (EQDOM) S.A (CBSE:EQD)

CBSE:EQD Income Statement

Financials in millions MAD. 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	484.3	516.42	554.16	570.55	559.5
Total Interest Expense	183.12	159.31	144.7	153.09	168.5
Net Interest Income	301.18	357.11	409.47	417.46	390.99
Commissions and Fees	85.89	66.92	67.03	77.4	64.3
Other Revenue	1,341	1,258	1,301	1,420	1,489
Revenue Before Loan Losses	1,728	1,682	1,777	1,915	1,944
Provision for Loan Losses	124.56	105.79	129.78	184.86	145.8
Revenue	1,603	1,576	1,647	1,730	1,799
Revenue Growth (YoY)	1.69%	-4.30%	-4.79%	-3.80%	-15.28%
Salaries & Employee Benefits	98.38	97.39	87.19	89.55	93.33
Cost of Services Provided	1,392	1,298	1,362	1,478	1,568
Other Operating Expenses	13.47	12.81	9.37	41.27	31.08
Total Operating Expenses	1,521	1,424	1,473	1,619	1,700
Operating Income	82.22	152.66	174.26	110.73	98.12
EBT Excluding Unusual Items	82.23	152.66	174.26	110.73	98.12
Other Unusual Items	-5.34	1.23	-11.33	-6.33	-15.42
Pretax Income	76.88	153.88	162.94	104.4	82.71
Income Tax Expense	83.85	64.76	74.03	71.11	47.34
Earnings From Continuing Ops.	-6.96	89.13	88.91	33.29	35.36
Minority Interest in Earnings	-	-0.55	-0.6	-0.69	-0.76
Net Income	-6.96	88.57	88.32	32.6	34.6
Net Income to Common	-6.96	88.57	88.32	32.6	34.6
Net Income Growth	-	0.29%	170.88%	-5.77%	-74.54%
Shares Outstanding (Basic)	2	2	2	2	2
Shares Outstanding (Diluted)	2	2	2	2	2
EPS (Basic)	-4.17	53.03	52.88	19.52	20.71
EPS (Diluted)	-4.17	53.03	52.88	19.52	20.71
EPS Growth	-	0.29%	170.88%	-5.77%	-74.54%
Free Cash Flow	143.47	36.16	78.96	32.07	0.05
Free Cash Flow Per Share	85.89	21.65	47.27	19.20	0.03
Dividend Per Share	-	55.000	55.000	40.000	65.000
Dividend Growth	-	-	37.50%	-38.46%	-
Operating Margin	5.13%	9.68%	10.58%	6.40%	5.46%
Profit Margin	-0.43%	5.62%	5.36%	1.88%	1.92%
Free Cash Flow Margin	8.95%	2.29%	4.79%	1.85%	0.00%
Effective Tax Rate	109.06%	42.08%	45.43%	68.11%	57.24%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.