Dialog Finance PLC (COSE:CALF.N0000)

Dialog Finance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	1,742	1,038	1,093	984.85	261.07
Total Interest Expense	404.97	262.54	395.65	361.34	59.07
Net Interest Income	1,337	775.63	697.5	623.51	202
Commissions and Fees	1,371	586.45	60.81	17.91	6.4
Other Revenue	110.26	1.99	0.84	19.66	2.04
Revenue Before Loan Losses	2,819	1,364	759.15	661.08	210.44
Provision for Loan Losses	307.85	114.25	21.82	84.88	10.25
Revenue	2,511	1,250	737.34	576.2	200.19
Revenue Growth (YoY)	100.90%	69.51%	27.96%	187.83%	132.77%
Salaries & Employee Benefits	496.03	337.32	251.23	208.44	123.32
Cost of Services Provided	452.31	260.08	38.66	2.79	1.19
Other Operating Expenses	1,192	618.41	356.61	253.84	111.36
Total Operating Expenses	2,229	1,279	698.54	511.33	279.12
Operating Income	281.44	-28.88	38.79	64.87	-78.93
EBT Excluding Unusual Items	281.44	-28.88	38.79	64.87	-78.93
Other Unusual Items	-	12.94	5.95	2.22	1.69
Pretax Income	281.44	-15.94	44.74	67.1	-77.24
Income Tax Expense	121.72	25.15	5.3	-	-
Net Income	159.73	-41.08	39.44	67.1	-77.24
Net Income to Common	159.73	-41.08	39.44	67.1	-77.24
Net Income Growth	-	-	-41.22%	-	-
Shares Outstanding (Basic)	117	117	117	117	111
Shares Outstanding (Diluted)	117	117	117	117	111
Shares Change (YoY)	0.04%	-	-	6.10%	9.10%
EPS (Basic)	1.36	-0.35	0.34	0.57	-0.70
EPS (Diluted)	1.36	-0.35	0.34	0.57	-0.70
EPS Growth	-	-	-41.22%	-	-
Free Cash Flow	-1,850	-924.61	-660.78	2,209	-1,515
Free Cash Flow Per Share	-15.75	-7.88	-5.63	18.81	-13.69
Operating Margin	11.21%	-2.31%	5.26%	11.26%	-39.43%
Profit Margin	6.36%	-3.29%	5.35%	11.64%	-38.58%
Free Cash Flow Margin	-73.67%	-73.98%	-89.62%	383.32%	-756.95%
Effective Tax Rate	43.25%	-	11.86%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.