Younited Financial 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
Interest and Dividend Income	98.25	73.81	83.48	47.27	15.76
Total Interest Expense	32.11	30.44	22.09	8.51	5.45
Net Interest Income	66.14	43.38	61.39	38.76	10.31
Gain (Loss) on Sale of Investments	8.34	2.84	2.8	-0.02	5.66
Other Revenue	71.19	48.46	37.57	59.72	43.06
Revenue Before Loan Losses	145.67	94.67	101.76	98.46	59.04
Provision for Loan Losses	50.06	46.5	57.89	88.66	13.7
Revenue	95.6	48.17	43.87	9.8	45.34
Revenue Growth (YoY)	98.47%	9.81%	347.84%	-78.40%	-
Salaries & Employee Benefits	41.41	37.85	36.67	38.9	30.13
Other Operating Expenses	45.74	66.02	34.4	34.16	25.85
Total Operating Expenses	113.57	131.14	92.75	88.46	67.71
Operating Income	-17.97	-82.97	-48.88	-78.66	-22.37
Pretax Income	-17.97	-82.97	-48.88	-78.66	-22.37
Income Tax Expense	-16.26	0.47	0.8	0.26	0.39
Net Income	-1.72	-83.44	-49.68	-78.92	-22.76
Net Income to Common	-1.72	-83.44	-49.68	-78.92	-22.76
Shares Outstanding (Basic)	46	25	23	-	-
Shares Outstanding (Diluted)	46	25	23	-	-
Shares Change (YoY)	83.82%	7.30%	-	-	-
EPS (Basic)	-0.04	-3.34	-2.14	-	-
EPS (Diluted)	-0.04	-3.34	-2.14	-	-
Free Cash Flow	-68.46	-244.85	218.52	-219.65	-135.16
Free Cash Flow Per Share	-1.49	-9.81	9.40	-	-
Operating Margin	-18.80%	-172.25%	-111.43%	-803.09%	-49.35%
Profit Margin	-1.80%	-173.22%	-113.25%	-805.70%	-50.21%
Free Cash Flow Margin	-71.61%	-508.30%	498.14%	-2242.51%	-298.13%

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