United Finance PLC. (DSE:UNITEDFIN)

United States Steel 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	2,799	2,831	2,266	2,164	1,997	2,074
Total Interest Expense	1,622	1,599	1,353	1,221	1,147	1,272
Net Interest Income	1,177	1,233	912.91	942.29	850.12	802.37
Gain (Loss) on Sale of Investments	-	0.22	0.33	1.32	0.97	-
Revenue Before Loan Losses	1,177	1,233	913.24	943.6	851.09	802.37
Provision for Loan Losses	93.3	172.09	88.78	132.86	61.06	55.9
Revenue	1,084	1,061	824.46	810.74	790.04	746.47
Revenue Growth (YoY)	20.31%	28.67%	1.69%	2.62%	5.84%	-16.15%
Salaries & Employee Benefits	585.85	586.27	547.56	544.28	455.34	419.82
Cost of Services Provided	107.91	104.04	87.82	114.14	91.79	71.38
Other Operating Expenses	-5.37	-60.32	-122	-91.02	-91.75	-76.66
Total Operating Expenses	768.51	712.4	597.88	649.53	531.31	478.89
Operating Income	315.41	348.4	226.58	161.21	258.73	267.58
EBT Excluding Unusual Items	315.41	348.4	226.58	161.21	258.73	267.58
Gain (Loss) on Sale of Investments	-	-	-	-	0.1	-0.1
Pretax Income	315.41	348.4	226.58	161.99	259.63	271.51
Income Tax Expense	104.39	139.17	83.48	19.46	37.39	60.28
Net Income	211.02	209.23	143.1	142.54	222.24	211.23
Net Income to Common	211.02	209.23	143.1	142.54	222.24	211.23
Net Income Growth	29.25%	46.21%	0.40%	-35.86%	5.21%	-13.67%
Shares Outstanding (Basic)	187	187	187	187	187	187
Shares Outstanding (Diluted)	187	187	187	187	187	187
EPS (Basic)	1.13	1.12	0.76	0.76	1.19	1.13
EPS (Diluted)	1.13	1.12	0.76	0.76	1.19	1.13
EPS Growth	29.25%	46.21%	0.40%	-35.86%	5.21%	-13.67%
Free Cash Flow	1,379	771.32	113.72	-2,416	1,003	-1,442
Free Cash Flow Per Share	7.37	4.12	0.61	-12.91	5.36	-7.71
Dividend Per Share	-	1.000	0.600	0.500	1.000	1.000
Dividend Growth	-	66.67%	20.00%	-50.00%	-	-
Operating Margin	29.10%	32.84%	27.48%	19.89%	32.75%	35.85%
Profit Margin	19.47%	19.72%	17.36%	17.58%	28.13%	28.30%
Free Cash Flow Margin	127.23%	72.71%	13.79%	-298.00%	127.00%	-193.16%
Effective Tax Rate	33.10%	39.95%	36.84%	12.01%	14.40%	22.20%

Updated Oct 24, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.