Contact Financial Holding S.A.E. (EGX: CNFN)

CNFN Income Statement

Financials in millions EGP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	929.58	2,599	1,725	625.32	928.97	345.58
Total Interest Expense	1,333	948.74	447.64	190.1	201.06	210.87
Net Interest Income	-403.24	1,650	1,277	435.22	727.9	134.71
Commissions and Fees	228.32	327.13	248.45	132.53	108.18	0.52
Gain (Loss) on Sale of Loans & Receivables	-	-	-	-	-	213.71
Other Revenue	3,594	1,141	804.25	999.89	2,350	3,339
Revenue Before Loan Losses	3,800	3,444	2,529	1,724	3,290	3,688
Provision for Loan Losses	107.14	215.12	107.34	11.35	10.13	-
Revenue	3,693	3,229	2,422	1,713	3,280	3,688
Revenue Growth (YoY)	16.80%	33.33%	41.38%	-47.77%	-11.07%	23.99%
Salaries & Employee Benefits	774.79	603.25	483.73	363.63	260.47	-
Cost of Services Provided	712.28	592.69	424.16	329.42	2,266	3,170
Other Operating Expenses	993.95	760.41	518.47	261.6	203.9	-
Total Operating Expenses	2,609	2,075	1,523	1,018	2,752	3,171
Operating Income	1,084	1,154	898.83	694.63	527.25	516.57
Earnings From Equity Investments	-	-	-	-	-	53.68
Currency Exchange Gain (Loss)	0.5	-	0.76	0.08	-0.08	-0.61
EBT Excluding Unusual Items	882.38	1,154	899.59	694.71	527.17	540.87
Gain (Loss) on Sale of Investments	-	-	-	-	-0.08	-6.35
Other Unusual Items	-80.72	-331.24	-152.47	-32.62	-0.05	-
Pretax Income	996.33	1,017	747.12	662.09	527.04	534.52
Income Tax Expense	277.52	289.37	218.33	184.03	159.63	128
Earnings From Continuing Ops.	718.81	728.07	528.78	478.06	367.41	406.51
Minority Interest in Earnings	-54.3	-35.86	-18.07	-13.24	-14.74	-17.8
Net Income	664.51	692.21	510.71	464.82	352.68	388.71
Net Income to Common	664.51	692.21	510.71	464.82	352.68	388.71
Net Income Growth	8.48%	35.54%	9.87%	31.80%	-9.27%	37.47%
Shares Outstanding (Basic)	1,199	1,185	1,178	1,175	1,168	838
Shares Outstanding (Diluted)	1,199	1,185	1,178	1,175	1,168	838
Shares Change (YoY)	1.59%	0.59%	0.24%	0.64%	39.34%	-16.94%
EPS (Basic)	0.55	0.58	0.43	0.40	0.30	0.46
EPS (Diluted)	0.55	0.58	0.43	0.40	0.30	0.46
EPS Growth	6.78%	34.74%	9.61%	30.96%	-34.89%	65.50%
Free Cash Flow	282.03	-1,540	-1,808	-377.17	538.55	-131.34
Free Cash Flow Per Share	0.24	-1.30	-1.53	-0.32	0.46	-0.16
Dividend Per Share	-	-	0.253	0.228	-	0.100
Dividend Growth	-	-	10.75%	-	-	-
Operating Margin	29.35%	35.74%	37.11%	40.55%	16.08%	14.01%
Profit Margin	17.99%	21.44%	21.09%	27.13%	10.75%	10.54%
Free Cash Flow Margin	7.64%	-47.70%	-74.64%	-22.02%	16.42%	-3.56%
Effective Tax Rate	27.85%	28.44%	29.22%	27.80%	30.29%	23.95%

Source: S&P Capital IQ. Financial Services template. Financial Sources.