National Housing Finance PLC (DSE:NHFIL)

National Housing Finance 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	2,017	2,017	1,531	1,523	1,684	2,072
Total Interest Expense	1,560	1,504	1,057	917.98	972.02	1,344
Net Interest Income	456.81	512.72	474.48	604.83	711.93	728.64
Commissions and Fees	0	0	0	0	-	0
Other Revenue	8.36	11.08	9.86	15.14	15.18	10.76
Revenue Before Loan Losses	465.17	523.8	484.34	619.96	727.11	739.4
Provision for Loan Losses	210.7	219.39	112.38	-29.69	88.8	69.71
Revenue	254.46	304.41	371.96	649.66	638.31	669.69
Revenue Growth (YoY)	-26.02%	-18.16%	-42.74%	1.78%	-4.69%	9.25%
Salaries & Employee Benefits	153.1	158.18	155.44	144.18	133.69	125.47
Cost of Services Provided	41.44	40.12	39.01	36.44	32.91	42.75
Other Operating Expenses	19.44	18.51	19.5	16.75	14.7	11.21
Total Operating Expenses	228.09	232.1	229.69	214.85	200.93	198.84
Operating Income	26.38	72.3	142.27	434.8	437.38	470.86
EBT Excluding Unusual Items	26.37	72.3	133.15	425.74	426.68	460.73
Gain (Loss) on Sale of Investments	-10.97	-22.49	5.41	-16.38	1.73	24.42
Pretax Income	11.25	43.85	135.42	408.3	436.22	483.36
Income Tax Expense	25.68	40.92	14.79	145.16	174.93	161.97
Net Income	-14.43	2.93	120.63	263.14	261.29	321.39
Net Income to Common	-14.43	2.93	120.63	263.14	261.29	321.39
Net Income Growth	-	-97.57%	-54.16%	0.71%	-18.70%	35.72%
Shares Outstanding (Basic)	117	117	117	117	117	117
Shares Outstanding (Diluted)	117	117	117	117	117	117
Shares Change (YoY)	-	-	-	-	-	-0.17%
EPS (Basic)	-0.12	0.03	1.03	2.25	2.23	2.75
EPS (Diluted)	-0.12	0.03	1.03	2.25	2.23	2.75
EPS Growth	-	-97.57%	-54.16%	0.71%	-18.70%	35.95%
Free Cash Flow	-1,355	-2,538	2,947	-2,247	1,066	566.81
Free Cash Flow Per Share	-11.58	-21.69	25.18	-19.20	9.11	4.84
Dividend Per Share	1.000	1.000	1.000	1.500	1.500	1.500
Dividend Growth	-	-	-33.33%	-	-	50.00%
Operating Margin	10.37%	23.75%	38.25%	66.93%	68.52%	70.31%
Profit Margin	-5.67%	0.96%	32.43%	40.51%	40.93%	47.99%
Free Cash Flow Margin	-532.60%	-833.88%	792.22%	-345.80%	166.99%	84.64%
Effective Tax Rate	228.24%	93.31%	10.92%	35.55%	40.10%	33.51%

Updated Nov 11, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.