IDLC Finance PLC. (DSE:IDLC)

IDLC Finance PLC. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	21,099	20,095	16,209	12,846	11,548	11,683
Total Interest Expense	13,038	12,631	9,970	7,556	6,121	5,455
Net Interest Income	8,061	7,464	6,240	5,290	5,427	6,228
Commissions and Fees	441.69	412.11	403.82	357.69	588.49	931.45
Other Revenue	342.55	386.71	433.49	-	337.29	217.38
Revenue Before Loan Losses	8,845	8,263	7,077	5,647	6,353	7,377
Provision for Loan Losses	654.95	597.89	618.67	997.19	803.2	1,110
Revenue	8,190	7,665	6,458	4,650	5,549	6,267
Revenue Growth (YoY)	34.26%	18.68%	38.89%	-16.21%	-11.44%	2.52%
Salaries & Employee Benefits	2,158	2,095	1,933	1,862	1,801	1,745
Cost of Services Provided	436.46	440	386.3	363.91	409.42	319.11
Other Operating Expenses	357.32	356.39	306.21	-242.58	203.86	218.79
Total Operating Expenses	3,235	3,164	2,877	2,251	2,654	2,535
Operating Income	4,955	4,501	3,582	2,399	2,895	3,732
EBT Excluding Unusual Items	4,955	4,501	3,582	2,399	2,895	3,732
Gain (Loss) on Sale of Investments	-376.4	-290.79	-81.39	12.23	-283.95	-39.57
Pretax Income	4,590	4,222	3,509	2,411	2,618	3,702
Income Tax Expense	2,043	1,788	1,506	897.44	703.06	1,586
Earnings From Continuing Ops.	2,547	2,434	2,003	1,514	1,915	2,116
Minority Interest in Earnings	-0	-0	-0	-0	-0	-0
Net Income	2,547	2,434	2,003	1,514	1,915	2,116
Net Income to Common	2,547	2,434	2,003	1,514	1,915	2,116
Net Income Growth	18.08%	21.51%	32.32%	-20.94%	-9.52%	-16.71%
Shares Outstanding (Basic)	458	458	458	458	458	458
Shares Outstanding (Diluted)	458	458	458	458	458	458
Shares Change (YoY)	-0.07%	-	-0.03%	0.03%	-	-
EPS (Basic)	5.56	5.31	4.37	3.30	4.18	4.62
EPS (Diluted)	5.56	5.31	4.37	3.30	4.18	4.62
EPS Growth	18.16%	21.51%	32.36%	-20.96%	-9.52%	-16.71%
Free Cash Flow	26,996	22,593	3,340	-10,282	-8,868	17,886
Free Cash Flow Per Share	58.89	49.30	7.29	-22.43	-19.35	39.03
Dividend Per Share	1.429	1.429	1.361	1.361	1.361	1.296
Dividend Growth	5.01%	5.00%	0.01%	-	5.00%	4.99%
Operating Margin	60.50%	58.72%	55.46%	51.59%	52.17%	59.55%
Profit Margin	31.10%	31.75%	31.01%	32.55%	34.50%	33.77%
Free Cash Flow Margin	329.60%	294.75%	51.71%	-221.13%	-159.80%	285.42%
Effective Tax Rate	44.51%	42.36%	42.92%	37.22%	26.86%	42.84%

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