United Finance PLC. (DSE:UNITEDFIN)

United 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	2,728	2,831	2,266	2,164	1,997	2,074
Total Interest Expense	1,604	1,599	1,353	1,221	1,147	1,272
Net Interest Income	1,124	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	1,124	1,233	913.24	943.6	851.09	802.37
Provision for Loan Losses	90.07	172.09	88.78	132.86	61.06	55.9
Revenue	1,034	1,061	824.46	810.74	790.04	746.47
Revenue Growth (YoY)	9.64%	28.67%	1.69%	2.62%	5.84%	-16.15%
Salaries & Employee Benefits	589.74	586.27	547.56	544.28	455.34	419.82
Cost of Services Provided	115.92	104.04	87.82	114.14	91.79	71.38
Other Operating Expenses	-16.03	-60.32	-122	-91.02	-91.75	-76.66
Total Operating Expenses	769.35	712.4	597.88	649.53	531.31	478.89
Operating Income	264.21	348.4	226.58	161.21	258.73	267.58
EBT Excluding Unusual Items	264.21	348.4	226.58	161.21	258.73	267.58
Gain (Loss) on Sale of Investments	-	-	-	-	0.1	-0.1
Pretax Income	264.21	348.4	226.58	161.99	259.63	271.51
Income Tax Expense	52.76	139.17	83.48	19.46	37.39	60.28
Net Income	211.45	209.23	143.1	142.54	222.24	211.23
Net Income to Common	211.45	209.23	143.1	142.54	222.24	211.23
Net Income Growth	29.72%	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	29.72%	46.21%	0.40%	-35.86%	5.21%	-13.67%
Free Cash Flow	1,169	771.32	113.72	-2,416	1,003	-1,442
Free Cash Flow Per Share	6.25	4.12	0.61	-12.91	5.36	-7.71
Dividend Per Share	1.000	1.000	0.600	0.500	1.000	1.000
Dividend Growth	66.67%	66.67%	20.00%	-50.00%	-	-
Operating Margin	25.56%	32.84%	27.48%	19.89%	32.75%	35.85%
Profit Margin	20.46%	19.72%	17.36%	17.58%	28.13%	28.30%
Free Cash Flow Margin	113.09%	72.71%	13.79%	-298.00%	127.00%	-193.16%
Effective Tax Rate	19.97%	39.95%	36.84%	12.01%	14.40%	22.20%

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