IDLC Finance PLC. (DSE:IDLC)

IDLC Finance PLC. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	23,759	16,209	12,846	11,548	11,683	13,437
Total Interest Expense	16,564	9,970	7,556	6,121	5,455	7,607
Net Interest Income	7,195	6,240	5,290	5,427	6,228	5,830
Commissions and Fees	396.18	403.82	357.69	588.49	931.45	505.27
Other Revenue	706.29	612.76	704.53	337.29	217.38	157.3
Revenue Before Loan Losses	8,297	7,256	6,352	6,353	7,377	6,492
Provision for Loan Losses	631.3	618.67	997.19	803.2	1,110	379.65
Revenue	7,666	6,638	5,355	5,549	6,267	6,113
Revenue Growth (YoY)	24.14%	23.96%	-3.51%	-11.44%	2.52%	21.38%
Salaries & Employee Benefits	2,042	1,933	1,862	1,801	1,745	1,624
Cost of Services Provided	315.11	331.6	363.91	409.42	319.11	282.97
Other Operating Expenses	647.18	477.1	461.95	203.86	218.79	186.37
Total Operating Expenses	3,354	3,048	2,956	2,654	2,535	2,380
Operating Income	4,312	3,590	2,399	2,895	3,732	3,733
EBT Excluding Unusual Items	4,312	3,590	2,399	2,895	3,732	3,733
Gain (Loss) on Sale of Investments	-172.9	-81.39	12.23	-283.95	-39.57	64.95
Pretax Income	4,137	3,509	2,411	2,618	3,702	3,804
Income Tax Expense	1,625	1,506	897.44	703.06	1,586	1,263
Earnings From Continuing Ops.	2,512	2,003	1,514	1,915	2,116	2,541
Minority Interest in Earnings	-0	-0	-0	-0	-0	-0
Net Income	2,512	2,003	1,514	1,915	2,116	2,541
Net Income to Common	2,512	2,003	1,514	1,915	2,116	2,541
Net Income Growth	42.18%	32.32%	-20.94%	-9.52%	-16.71%	49.45%
Shares Outstanding (Basic)	437	436	437	436	436	436
Shares Outstanding (Diluted)	437	436	437	436	436	436
Shares Change (YoY)	0.08%	-0.07%	0.03%	-	-	-
EPS (Basic)	5.75	4.59	3.47	4.39	4.85	5.82
EPS (Diluted)	5.75	4.59	3.47	4.39	4.85	5.82
EPS Growth	42.06%	32.42%	-20.96%	-9.52%	-16.71%	49.45%
Free Cash Flow	9,401	355.44	-10,282	-8,868	17,886	3,357
Free Cash Flow Per Share	21.53	0.81	-23.55	-20.32	40.98	7.69
Dividend Per Share	1.429	1.429	1.429	1.429	1.361	1.296
Dividend Growth	-	-	-	5.00%	5.01%	-57.14%
Operating Margin	56.25%	54.09%	44.80%	52.17%	59.55%	61.07%
Profit Margin	32.77%	30.17%	28.27%	34.50%	33.77%	41.56%
Free Cash Flow Margin	122.63%	5.36%	-192.03%	-159.80%	285.42%	54.92%
Effective Tax Rate	39.28%	42.92%	37.22%	26.86%	42.84%	33.21%

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