Manx Financial Group PLC (FRA:3IM)

Manx Financial Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	56.31	55.93	46.89	30.74	22.95	20.69
Total Interest Expense	23.14	23.14	14.53	6.39	4.97	5.22
Net Interest Income	33.17	32.79	32.36	24.35	17.98	15.47
Commissions and Fees	3.97	3.92	4	4.72	4.62	3.87
Gain (Loss) on Sale of Investments	3.99	4.27	1.89	0.29	-0	0.26
Other Revenue	0.02	0.02	0.2	-0.02	0.03	0.26
Revenue Before Loan Losses	41.15	41	38.45	29.34	22.63	19.86
Provision for Loan Losses	0.92	1.75	4.14	3.99	4.36	3.95
Revenue	40.23	39.25	34.31	25.35	18.27	15.91
Revenue Growth (YoY)	11.18%	14.38%	35.33%	38.77%	14.87%	-20.49%
Salaries & Employee Benefits	12.75	12.5	12.17	9.76	7.16	6.82
Cost of Services Provided	6.84	7.61	7.78	3.93	3.6	3.66
Other Operating Expenses	8.89	8.04	5.81	4.93	3.76	2.42
Total Operating Expenses	29.87	29.43	27.27	19.96	15.92	14.18
Operating Income	10.36	9.81	7.04	5.39	2.35	1.73
Earnings From Equity Investments	0.13	0.12	-	0.02	0.03	0.05
EBT Excluding Unusual Items	10.49	9.93	7.04	5.41	2.38	1.78
Impairment of Goodwill	-	-	-	-0.2	-	-
Other Unusual Items	-	-	-	-	0.66	0.24
Pretax Income	10.49	9.93	7.04	5.21	3.04	2.02
Income Tax Expense	1	1.38	0.9	0.54	0.23	0.05
Earnings From Continuing Ops.	9.49	8.55	6.14	4.67	2.81	1.97
Minority Interest in Earnings	-0.08	-0.45	-0.85	-0.34	-0.02	-0.03
Net Income	9.42	8.1	5.29	4.33	2.79	1.94
Net Income to Common	9.42	8.1	5.29	4.33	2.79	1.94
Net Income Growth	63.21%	53.22%	22.10%	55.07%	44.34%	-27.61%
Shares Outstanding (Basic)	120	118	115	115	114	119
Shares Outstanding (Diluted)	155	153	156	154	151	156
Shares Change (YoY)	-1.09%	-1.44%	1.23%	1.97%	-3.00%	-9.98%
EPS (Basic)	0.08	0.07	0.05	0.04	0.02	0.02
EPS (Diluted)	0.06	0.05	0.04	0.03	0.02	0.01
EPS Growth	63.17%	53.76%	19.79%	49.21%	45.19%	-18.64%
Free Cash Flow	-15.55	6.1	16.88	-4.48	0.8	-5.4
Free Cash Flow Per Share	-0.10	0.04	0.11	-0.03	0.01	-0.04
Dividend Per Share	0.007	0.007	0.005	0.004	0.002	0.002
Dividend Growth	48.65%	48.65%	20.96%	54.07%	41.70%	-
Operating Margin	25.75%	25.00%	20.53%	21.27%	12.87%	10.88%
Profit Margin	23.42%	20.64%	15.41%	17.08%	15.29%	12.17%
Free Cash Flow Margin	-38.66%	15.55%	49.19%	-17.67%	4.36%	-33.96%
Effective Tax Rate	9.50%	13.94%	12.82%	10.30%	7.69%	2.62%

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