Phoenix Finance & Investments Limited (DSE:PHOENIXFIN)

DSE:PHOENIXFIN 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	478.04	497.25	496.35	2,117	3,022	3,610
Total Interest Expense	2,605	2,627	2,252	1,597	2,388	2,694
Net Interest Income	-2,127	-2,130	-1,756	520.2	634.13	916.03
Other Revenue	37.91	41.11	51.11	48.84	56.53	60.25
Revenue Before Loan Losses	-2,089	-2,089	-1,705	569.04	690.66	976.27
Provision for Loan Losses	2,159	5,709	5,041	1,601	629.35	254.21
Revenue	-4,248	-7,798	-6,746	-1,032	61.31	722.07
Revenue Growth (YoY)	-	-	-	-	-91.51%	-18.27%
Salaries & Employee Benefits	180.72	190.84	191.01	204.84	227.63	275.49
Cost of Services Provided	40.63	34.39	46.65	51.5	51.4	49.83
Other Operating Expenses	32.31	31.52	28.36	24.42	27.05	25.65
Total Operating Expenses	288.83	293.59	304.61	326.08	344.24	383.85
Operating Income	-4,537	-8,092	-7,050	-1,358	-282.92	338.22
Earnings From Equity Investments	-	-	-	-	-	-0.96
EBT Excluding Unusual Items	-4,536	-8,091	-7,050	-1,358	-281.66	339.32
Pretax Income	-4,535	-8,090	-7,048	-1,357	-279.62	339.32
Income Tax Expense	-5.31	-7.31	4.54	29.07	70.91	138.33
Net Income	-4,529	-8,082	-7,052	-1,386	-350.53	200.99
Net Income to Common	-4,529	-8,082	-7,052	-1,386	-350.53	200.99
Net Income Growth	-	-	-	-	-	-23.98%
Shares Outstanding (Basic)	166	166	166	166	166	157
Shares Outstanding (Diluted)	166	166	166	166	166	157
Shares Change (YoY)	0.01%	-	-	-	5.66%	-
EPS (Basic)	-27.30	-48.73	-42.52	-8.36	-2.11	1.28
EPS (Diluted)	-27.30	-48.73	-42.52	-8.36	-2.11	1.28
EPS Growth	-	-	-	-	-	-23.98%
Free Cash Flow	215.68	41.97	-261.23	-327.62	-1,390	764.72
Free Cash Flow Per Share	1.30	0.25	-1.57	-1.98	-8.38	4.87
Operating Margin	-	-	-	-	-461.43%	46.84%
Profit Margin	-	-	-	-	-571.69%	27.84%
Free Cash Flow Margin	-	-	-	-	-2266.36%	105.91%
Effective Tax Rate	-	-	-	-	-	40.77%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.