FRA:1AC Income Statement

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

Millions USD. 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	924.45	793.57	632.92	294.06	300.17
Total Interest Expense	960.56	819.35	637.78	335.43	390.7
Net Interest Income	-36.11	-25.78	-4.85	-41.37	-90.53
Mortgage Banking	235.84	185.7	146.12	169.86	384.15
Gain (Loss) on Sale of Loans & Receivables	1,072	817.37	545.94	791.63	2,464
Gain (Loss) on Sale of Investments	-	-0.06	0.31	-0.24	0.34
Other Revenue	98.25	-779.32	-195.55	-551.1	-288.96
Revenue Before Loan Losses	3,460	2,026	2,006	1,628	3,582
Revenue	3,460	2,026	2,006	1,628	3,582
Revenue Growth (YoY)	70.77%	1.01%	23.16%	-54.54%	-30.86%
Salaries & Employee Benefits	782.92	632.74	576.96	735.23	999.8
Cost of Services Provided	656.66	512.35	441.75	533.36	756.22
Other Operating Expenses	1,469	478.36	640.52	-309.41	466.38
Total Operating Expenses	2,908	1,623	1,659	959.17	2,222
Operating Income	551.42	402.56	346.45	669.32	1,360
EBT Excluding Unusual Items	551.42	402.76	346.45	669.9	1,360
Pretax Income	551.42	401.03	183.63	665.25	1,359
Income Tax Expense	50.34	89.6	38.98	189.74	355.69
Earnings From Continuing Ops.	501.08	311.42	144.66	475.51	1,003
Net Income	501.08	311.42	144.66	475.51	1,003
Net Income to Common	501.08	311.42	144.66	475.51	1,003
Net Income Growth	60.90%	115.28%	-69.58%	-52.62%	-39.07%
Shares Outstanding (Basic)	52	51	50	53	64
Shares Outstanding (Diluted)	54	53	53	56	67
Shares Change (YoY)	0.99%	1.18%	-5.75%	-17.08%	-14.30%
EPS (Basic)	9.69	6.11	2.89	8.96	15.73
EPS (Diluted)	9.30	5.84	2.74	8.50	14.87
EPS Growth	59.25%	113.14%	-67.77%	-42.84%	-28.92%
Free Cash Flow	-	-4,535	-1,584	6,026	2,555
Free Cash Flow Per Share	-	-85.00	-30.03	107.70	37.87
Dividend Per Share	1.200	1.100	0.800	0.800	0.800
Dividend Growth	9.09%	37.50%	-	-	35.59%
Operating Margin	15.94%	19.87%	17.27%	41.10%	37.96%
Profit Margin	14.48%	15.37%	7.21%	29.20%	28.01%
Free Cash Flow Margin	-	-223.84%	-78.96%	370.04%	71.33%
Effective Tax Rate	9.13%	22.34%	21.22%	28.52%	26.17%

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