Contact Financial Holding S.A.E. (EGX:CNFN)
Egypt · Delayed Price · Currency is EGP 4.300
-0.050 (-1.15%)
At close: Jan 28, 2026
EGX:CNFN Income Statement
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Interest and Dividend Income | 4,099 | 3,486 | 2,599 | 1,725 | 625.32 | 928.97 |
Total Interest Expense | 1,917 | 1,576 | 948.74 | 447.64 | 190.1 | 201.06 |
Net Interest Income | 2,182 | 1,910 | 1,650 | 1,277 | 435.22 | 727.9 |
Commissions and Fees | 227.52 | 218.65 | 327.13 | 248.45 | 132.53 | 108.18 |
Other Revenue | 2,537 | 1,701 | 1,141 | 804.25 | 999.89 | 2,350 |
Revenue Before Loan Losses | 5,310 | 4,225 | 3,444 | 2,529 | 1,724 | 3,290 |
Provision for Loan Losses | 217.37 | 113.28 | 215.12 | 107.34 | 11.35 | 10.13 |
| 5,092 | 4,111 | 3,229 | 2,422 | 1,713 | 3,280 | |
Revenue Growth (YoY) | 34.79% | 27.32% | 33.33% | 41.38% | -47.77% | -11.07% |
Salaries & Employee Benefits | 1,124 | 836.37 | 603.25 | 483.73 | 363.63 | 260.47 |
Cost of Services Provided | 1,531 | 783.95 | 592.69 | 424.16 | 329.42 | 2,266 |
Other Operating Expenses | 1,281 | 1,099 | 760.41 | 518.47 | 261.6 | 203.9 |
Total Operating Expenses | 4,097 | 2,852 | 2,075 | 1,523 | 1,018 | 2,752 |
Operating Income | 994.97 | 1,259 | 1,154 | 898.83 | 694.63 | 527.25 |
Currency Exchange Gain (Loss) | 0.69 | 1.49 | - | 0.76 | 0.08 | -0.08 |
EBT Excluding Unusual Items | 995.66 | 1,261 | 1,154 | 899.59 | 694.71 | 527.17 |
Gain (Loss) on Sale of Investments | -0.06 | - | - | - | - | -0.08 |
Other Unusual Items | -241.7 | -261.67 | -331.24 | -152.47 | -32.62 | -0.05 |
Pretax Income | 754.04 | 998.99 | 1,017 | 747.12 | 662.09 | 527.04 |
Income Tax Expense | 210.11 | 269.03 | 289.37 | 218.33 | 184.03 | 159.63 |
Earnings From Continuing Ops. | 543.93 | 729.96 | 728.07 | 528.78 | 478.06 | 367.41 |
Minority Interest in Earnings | -112.48 | -72.29 | -35.86 | -18.07 | -13.24 | -14.74 |
Net Income | 431.45 | 657.67 | 692.21 | 510.71 | 464.82 | 352.68 |
Net Income to Common | 431.45 | 657.67 | 692.21 | 510.71 | 464.82 | 352.68 |
Net Income Growth | -37.00% | -4.99% | 35.54% | 9.87% | 31.80% | -9.27% |
Shares Outstanding (Basic) | 1,188 | 1,189 | 1,185 | 1,178 | 1,175 | 1,168 |
Shares Outstanding (Diluted) | 1,188 | 1,189 | 1,185 | 1,178 | 1,175 | 1,168 |
Shares Change (YoY) | 0.16% | 0.35% | 0.59% | 0.24% | 0.64% | 39.34% |
EPS (Basic) | 0.36 | 0.55 | 0.58 | 0.43 | 0.40 | 0.30 |
EPS (Diluted) | 0.36 | 0.55 | 0.58 | 0.43 | 0.40 | 0.30 |
EPS Growth | -37.10% | -5.32% | 34.74% | 9.61% | 30.96% | -34.89% |
Free Cash Flow | -563.51 | 164.6 | -1,540 | -1,808 | -377.17 | 538.55 |
Free Cash Flow Per Share | -0.47 | 0.14 | -1.30 | -1.53 | -0.32 | 0.46 |
Dividend Per Share | - | - | - | 0.253 | 0.228 | - |
Dividend Growth | - | - | - | 10.75% | - | - |
Operating Margin | 19.54% | 30.63% | 35.74% | 37.11% | 40.55% | 16.08% |
Profit Margin | 8.47% | 16.00% | 21.44% | 21.09% | 27.13% | 10.75% |
Free Cash Flow Margin | -11.07% | 4.00% | -47.70% | -74.64% | -22.02% | 16.42% |
Effective Tax Rate | 27.87% | 26.93% | 28.44% | 29.22% | 27.79% | 30.29% |
Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.