Dialog Finance PLC (COSE:CALF.N0000)

Dialog Finance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	1,146	1,038	1,093	984.85	261.07	214.7
Total Interest Expense	266.24	262.54	395.65	361.34	59.07	67.92
Net Interest Income	879.91	775.63	697.5	623.51	202	146.78
Commissions and Fees	743.48	586.45	60.81	17.91	6.4	1.96
Other Revenue	1.95	1.99	0.84	19.66	2.04	0.6
Revenue Before Loan Losses	1,625	1,364	759.15	661.08	210.44	149.34
Provision for Loan Losses	140.66	114.25	21.82	84.88	10.25	63.34
Revenue	1,485	1,250	737.34	576.2	200.19	86
Revenue Growth (YoY)	113.10%	69.51%	27.96%	187.83%	132.77%	-30.30%
Salaries & Employee Benefits	386.7	337.32	251.23	208.44	123.32	136.87
Cost of Services Provided	260.08	260.08	38.66	2.79	1.19	-
Other Operating Expenses	742	618.41	356.61	253.84	111.36	112.39
Total Operating Expenses	1,454	1,279	698.54	511.33	279.12	290.35
Operating Income	30.39	-28.88	38.79	64.87	-78.93	-204.35
EBT Excluding Unusual Items	30.39	-28.88	38.79	64.87	-78.93	-204.35
Other Unusual Items	12.94	12.94	5.95	2.22	1.69	18.05
Pretax Income	43.33	-15.94	44.74	67.1	-77.24	-186.3
Income Tax Expense	45.75	25.15	5.3	-	-	-86.78
Net Income	-2.42	-41.08	39.44	67.1	-77.24	-99.52
Net Income to Common	-2.42	-41.08	39.44	67.1	-77.24	-99.52
Net Income Growth	-	-	-41.22%	-	-	-
Shares Outstanding (Basic)	119	117	117	117	111	101
Shares Outstanding (Diluted)	119	117	117	117	111	101
Shares Change (YoY)	0.74%	-	-	6.10%	9.10%	19.18%
EPS (Basic)	-0.02	-0.35	0.34	0.57	-0.70	-0.98
EPS (Diluted)	-0.02	-0.35	0.34	0.57	-0.70	-0.98
EPS Growth	-	-	-41.22%	-	-	-
Free Cash Flow	-281.99	-924.61	-660.78	2,209	-1,515	343.22
Free Cash Flow Per Share	-2.38	-7.88	-5.63	18.81	-13.69	3.38
Operating Margin	2.05%	-2.31%	5.26%	11.26%	-39.43%	-237.61%
Profit Margin	-0.16%	-3.29%	5.35%	11.64%	-38.58%	-115.72%
Free Cash Flow Margin	-18.99%	-73.98%	-89.62%	383.32%	-756.95%	399.08%
Effective Tax Rate	105.58%	-	11.86%	-	-	-

Updated Feb 16, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.