EPA:ARTO Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	14.4	24.2	21.59	2.44	3.12
Net Interest Income Growth	-40.50%	12.09%	783.22%	-21.54%	24.60%
Non-Interest Income	141.53	172.25	177.39	170.47	142.88
Non-Interest Income Growth	-17.83%	-2.90%	4.06%	19.31%	-26.35%
Revenues Before Loan Losses	155.92	196.44	198.98	172.92	145.99
Revenue	155.92	196.44	198.98	172.92	145.99
Revenue Growth	-20.63%	-1.27%	15.07%	18.44%	-25.70%
Compensation Expenses	57.16	58.52	55.89	50.06	49.15
Selling, General & Admin	91.01	109.71	108.59	101.71	79.8
Other Non-Interest Expenses	2.13	2.5	1.08	0.68	2.58
Total Non-Interest Expense	150.31	170.73	165.55	152.45	131.53
Pretax Income	5.62	25.71	33.43	20.47	14.47
Provision for Income Taxes	4.61	8.51	7.96	1.87	2.27
Net Income	1.01	17.2	25.47	18.6	12.19
Minority Interest in Earnings	-7.33	-3.14	-4.85	-2.3	-5.34
Net Income to Common	8.34	20.34	30.32	20.9	17.53
Net Income Growth	-59.00%	-32.91%	45.10%	19.22%	-59.53%
Shares Outstanding (Basic)	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0
Shares Change	-	-	-	-	-
EPS (Basic)	31.32	76.41	113.89	78.49	65.84
EPS (Diluted)	31.32	76.41	113.89	78.49	65.84
EPS Growth	-59.01%	-32.91%	45.10%	19.21%	-59.52%

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	-15.18	-14.77	5.29	6.4	11.48
Free Cash Flow Growth	-	-	-17.32%	-44.28%	-85.14%
Free Cash Flow Per Share	-57.01	-55.47	19.87	24.03	43.13
Dividends Per Share	68.000	68.000	68.000	68.000	34.000
Dividend Growth	0%	0%	0%	100.00%	0%
Profit Margin	0.65%	8.76%	12.80%	10.75%	8.35%
FCF Margin	-9.73%	-7.52%	2.66%	3.70%	7.86%
Effective Tax Rate	82.00%	33.09%	23.81%	9.14%	15.72%