United Finance PLC. (DSE:UNITEDFIN)

United 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	2,819	2,754	2,831	2,266	2,164	1,997
Total Interest Expense	1,677	1,626	1,599	1,353	1,221	1,147
Net Interest Income	1,142	1,128	1,233	912.91	942.29	850.12
Gain (Loss) on Sale of Investments	-	-	0.22	0.33	1.32	0.97
Revenue Before Loan Losses	1,142	1,128	1,233	913.24	943.6	851.09
Provision for Loan Losses	115.04	108.25	172.09	88.78	132.86	61.06
Revenue	1,027	1,020	1,061	824.46	810.74	790.04
Revenue Growth (YoY)	-7.05%	-3.88%	28.67%	1.69%	2.62%	5.84%
Salaries & Employee Benefits	520.69	523.64	586.27	547.56	544.28	455.34
Cost of Services Provided	117.43	118.87	104.04	87.82	114.14	91.79
Other Operating Expenses	-17.75	-20.7	-60.32	-122	-91.02	-91.75
Total Operating Expenses	699.82	701.27	712.4	597.88	649.53	531.31
Operating Income	327.22	318.36	348.4	226.58	161.21	258.73
EBT Excluding Unusual Items	327.22	318.36	348.4	226.58	161.21	258.73
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.1
Pretax Income	327.22	318.36	348.4	226.58	161.99	259.63
Income Tax Expense	127.38	120.32	139.17	83.48	19.46	37.39
Net Income	199.84	198.04	209.23	143.1	142.54	222.24
Net Income to Common	199.84	198.04	209.23	143.1	142.54	222.24
Net Income Growth	-6.58%	-5.35%	46.21%	0.40%	-35.86%	5.21%
Shares Outstanding (Basic)	187	187	187	187	187	187
Shares Outstanding (Diluted)	187	187	187	187	187	187
EPS (Basic)	1.07	1.06	1.12	0.76	0.76	1.19
EPS (Diluted)	1.07	1.06	1.12	0.76	0.76	1.19
EPS Growth	-6.58%	-5.35%	46.21%	0.40%	-35.86%	5.21%
Free Cash Flow	78.81	471.58	771.32	113.72	-2,416	1,003
Free Cash Flow Per Share	0.42	2.52	4.12	0.61	-12.91	5.36
Dividend Per Share	1.000	1.000	1.000	0.600	0.500	1.000
Dividend Growth	-	-	66.67%	20.00%	-50.00%	-
Operating Margin	31.86%	31.22%	32.84%	27.48%	19.89%	32.75%
Profit Margin	19.46%	19.42%	19.72%	17.36%	17.58%	28.13%
Free Cash Flow Margin	7.67%	46.25%	72.71%	13.79%	-298.00%	127.00%
Effective Tax Rate	38.93%	37.79%	39.95%	36.84%	12.01%	14.40%

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