Dialog Finance Income Statement

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

Millions LKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	2,012	1,742	1,038	1,093	984.85	261.07
Total Interest Expense	488.93	411.84	262.54	395.65	361.34	59.07
Net Interest Income	1,524	1,331	775.63	697.5	623.51	202
Commissions and Fees	1,502	1,371	586.45	60.81	17.91	6.4
Other Revenue	9.85	9.18	1.99	0.84	19.66	2.04
Revenue Before Loan Losses	3,035	2,711	1,364	759.15	661.08	210.44
Provision for Loan Losses	328.31	307.85	114.25	21.82	84.88	10.25
Revenue	2,707	2,403	1,250	737.34	576.2	200.19
Revenue Growth (YoY)	80.84%	92.26%	69.51%	27.96%	187.83%	132.77%
Salaries & Employee Benefits	540.07	496.03	337.32	251.23	208.44	123.32
Cost of Services Provided	558.17	558.17	260.08	38.66	2.79	1.19
Other Operating Expenses	1,224	1,077	618.41	356.61	253.84	111.36
Total Operating Expenses	2,420	2,220	1,279	698.54	511.33	279.12
Operating Income	286.93	182.49	-28.88	38.79	64.87	-78.93
EBT Excluding Unusual Items	286.93	182.49	-28.88	38.79	64.87	-78.93
Other Unusual Items	27.8	27.8	12.94	5.95	2.22	1.69
Pretax Income	385.88	281.44	-15.94	44.74	67.1	-77.24
Income Tax Expense	168.98	121.72	25.15	5.3	-	-
Net Income	216.91	159.73	-41.08	39.44	67.1	-77.24
Net Income to Common	216.91	159.73	-41.08	39.44	67.1	-77.24
Net Income Growth	-	-	-	-41.22%	-	-
Shares Outstanding (Basic)	116	117	117	117	117	111
Shares Outstanding (Diluted)	116	117	117	117	117	111
Shares Change (YoY)	-1.87%	-	-	-	6.10%	9.10%
EPS (Basic)	1.86	1.36	-0.35	0.34	0.57	-0.70
EPS (Diluted)	1.86	1.36	-0.35	0.34	0.57	-0.70
EPS Growth	-	-	-	-41.22%	-	-
Free Cash Flow	-1,231	-1,850	-525.4	-660.78	2,209	-1,515
Free Cash Flow Per Share	-10.58	-15.76	-4.47	-5.63	18.81	-13.69
Operating Margin	10.60%	7.59%	-2.31%	5.26%	11.26%	-39.43%
Profit Margin	8.01%	6.65%	-3.29%	5.35%	11.64%	-38.58%
Free Cash Flow Margin	-45.48%	-76.98%	-42.04%	-89.62%	383.32%	-756.95%
Effective Tax Rate	43.79%	43.25%	-	11.86%	-	-

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.