Société Maghrébine de Crédit-bail (CBSE:MAB)

Verve Therapeutics 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	2.77	2.73	6.49	1.47	0.5
Total Interest Expense	401.68	359.15	246.29	334.36	369.92
Net Interest Income	-398.91	-356.42	-239.8	-332.89	-369.42
Commissions and Fees	1.28	1.3	0.81	0.74	0.57
Other Revenue	4,299	4,001	3,978	3,793	3,649
Revenue Before Loan Losses	3,901	3,646	3,739	3,461	3,281
Provision for Loan Losses	51.03	19.58	145.67	104.66	194.94
Revenue	3,850	3,627	3,593	3,356	3,086
Revenue Growth (YoY)	6.16%	0.93%	7.07%	8.77%	-5.95%
Salaries & Employee Benefits	44.69	40	38.03	38.56	-
Cost of Services Provided	3,569	3,355	3,256	3,138	2,968
Other Operating Expenses	2.99	2.46	85.8	1.86	3.8
Total Operating Expenses	3,617	3,397	3,380	3,178	2,972
Operating Income	233.25	229.42	213.32	178.08	113.83
Currency Exchange Gain (Loss)	-	-	-	-	1.42
EBT Excluding Unusual Items	233.26	229.42	213.32	178.08	115.24
Other Unusual Items	-2.13	-12.74	-10.18	2.37	-13.69
Pretax Income	228.67	215.33	201	175.71	101.56
Income Tax Expense	93.04	87.53	82.05	76.66	37.32
Net Income	135.63	127.81	118.95	99.05	64.24
Net Income to Common	135.63	127.81	118.95	99.05	64.24
Net Income Growth	6.12%	7.45%	20.09%	54.19%	-39.75%
Shares Outstanding (Basic)	1	1	1	1	1
Shares Outstanding (Diluted)	1	1	1	1	1
Shares Change (YoY)	-0.01%	0.01%	-0.00%	-0.00%	-
EPS (Basic)	97.99	92.33	85.94	71.56	46.41
EPS (Diluted)	97.99	92.33	85.94	71.56	46.41
EPS Growth	6.13%	7.43%	20.09%	54.19%	-39.75%
Free Cash Flow	292.26	-294.44	30.38	-234.39	656.73
Free Cash Flow Per Share	211.15	-212.70	21.95	-169.34	474.45
Dividend Per Share	53.000	50.000	50.000	50.000	30.000
Dividend Growth	6.00%	-	-	66.67%	-40.00%
Operating Margin	6.06%	6.33%	5.94%	5.31%	3.69%
Profit Margin	3.52%	3.52%	3.31%	2.95%	2.08%
Free Cash Flow Margin	7.59%	-8.12%	0.84%	-6.98%	21.28%
Effective Tax Rate	40.69%	40.65%	40.82%	43.63%	36.74%

Updated May 8, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.