Ellinas Finance Public Company Limited (CYS:ELF)

CYS:ELF Income Statement

Financials in millions EUR. 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	1.73	2.41	1.83	1.28	0.91
Total Interest Expense	0.21	0.38	0.29	0.15	0.1
Net Interest Income	1.51	2.04	1.53	1.12	0.81
Commissions and Fees	0.58	0.71	0.75	0.79	0.75
Gain (Loss) on Sale of Investments	0	0.03	0.06	0.38	0.02
Other Revenue	-0.22	-	-	-	-
Revenue Before Loan Losses	1.88	2.77	2.34	2.3	1.57
Provision for Loan Losses	-0.08	0.26	0.23	0.44	-0.05
Revenue	1.96	2.51	2.11	1.86	1.62
Revenue Growth (YoY)	-22.00%	19.21%	13.12%	15.05%	8.38%
Salaries & Employee Benefits	0.76	0.72	0.71	0.65	0.56
Cost of Services Provided	0.61	0.73	0.54	0.61	0.48
Other Operating Expenses	-	-0.09	-0.09	-0.05	-0.02
Total Operating Expenses	1.49	1.47	1.25	1.3	1.09
Operating Income	0.47	1.05	0.86	0.56	0.53
Pretax Income	0.47	1.09	0.86	0.57	0.52
Income Tax Expense	0.06	0.14	0.11	0.02	0.08
Earnings From Continuing Ops.	0.41	0.95	0.75	0.55	0.44
Minority Interest in Earnings	-0	-0	-	-	-
Net Income	0.41	0.95	0.75	0.55	0.44
Net Income to Common	0.41	0.95	0.75	0.55	0.44
Net Income Growth	-56.60%	27.34%	35.50%	23.66%	-12.74%
Shares Outstanding (Basic)	16	16	16	16	16
Shares Outstanding (Diluted)	16	16	16	16	16
Shares Change (YoY)	0.19%	-	-	-	-
EPS (Basic)	0.03	0.06	0.05	0.03	0.03
EPS (Diluted)	0.03	0.06	0.05	0.03	0.03
EPS Growth	-56.68%	27.34%	35.50%	23.66%	-12.74%
Free Cash Flow	2.46	1.59	-2.36	-0.35	-0.54
Free Cash Flow Per Share	0.15	0.10	-0.15	-0.02	-0.03
Dividend Per Share	-	0.028	0.028	0.025	0.020
Dividend Growth	-	-	10.00%	25.00%	-
Operating Margin	24.09%	41.67%	40.70%	30.20%	32.75%
Profit Margin	21.01%	37.77%	35.35%	29.51%	27.46%
Free Cash Flow Margin	125.27%	63.37%	-112.02%	-18.95%	-33.31%
Effective Tax Rate	13.11%	12.60%	13.06%	3.74%	14.73%

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