CYS:ELF Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	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	1.52	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
Revenue Before Loan Losses	2.1	2.77	2.34	2.3	1.57
Provision for Loan Losses	-0.08	0.26	0.23	0.44	-0.05
Revenue	2.18	2.51	2.11	1.86	1.62
Revenue Growth (YoY)	-13.22%	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	-0.09	-0.05	-0.02
Total Operating Expenses	1.39	1.47	1.25	1.3	1.09
Operating Income	0.79	1.05	0.86	0.56	0.53
EBT Excluding Unusual Items	0.78	1.09	0.86	0.57	0.52
Other Unusual Items	-0.31	-	-	-	-
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
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	-56.60%	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	36.08%	41.67%	40.70%	30.20%	32.75%
Profit Margin	18.88%	37.77%	35.35%	29.51%	27.46%
Free Cash Flow Margin	112.60%	63.37%	-112.02%	-18.95%	-33.31%
Effective Tax Rate	13.11%	12.60%	13.06%	3.74%	14.73%