Renta 4 Banco, S.A. (FRA:4RE)

Renta 4 Banco Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	52.64	55.59	40.02	13.01	4.84	4.52
Total Interest Expense	25.57	31.17	16.76	3.9	4.62	4.03
Net Interest Income	27.07	24.42	23.26	9.11	0.22	0.49
Brokerage Commission	214.43	190.86	166.08	170.68	180.63	161.73
Trading & Principal Transactions	13.58	13.58	10.69	2.23	8.37	9.48
Gain on Sale of Investments (Rev)	0.73	0.73	0.24	0.82	2.78	0
Other Revenue	1.78	0.05	-0.09	0.81	2.28	0.1
Revenue Before Loan Losses	257.6	229.64	200.18	183.66	194.27	171.81
Revenue	257.6	229.64	200.18	183.66	194.27	171.81
Revenue Growth (YoY)	18.96%	14.71%	9.00%	-5.46%	13.07%	13.69%
Salaries & Employee Benefits	70.21	62.73	52.5	43.73	45.95	35.76
Cost of Services Provided	129.77	117.83	103.01	108.85	111.71	107.73
Other Operating Expenses	2.42	2.68	4.46	1.47	6.9	3.57
Total Operating Expenses	214.53	195.37	171.24	164.08	174.01	156
Operating Income	43.07	34.27	28.95	19.58	20.25	15.8
Currency Exchange Gains	12.88	10.34	6.58	9.4	14.31	11.12
EBT Excluding Unusual Items	55.95	44.61	35.52	28.97	34.57	26.92
Gain (Loss) on Sale of Investments	0.05	0.05	0.84	0.41	-2.06	-2.9
Pretax Income	56	44.66	36.37	29.38	32.51	24.02
Income Tax Expense	16.19	12.29	9.8	7.6	7.16	5.97
Earnings From Continuing Ops.	39.81	32.38	26.56	21.78	25.35	18.05
Minority Interest in Earnings	-0.21	-0.24	-0.44	-0.24	-0.01	0.09
Net Income	39.6	32.14	26.13	21.54	25.34	18.14
Net Income to Common	39.6	32.14	26.13	21.54	25.34	18.14
Net Income Growth	31.56%	23.00%	21.30%	-14.99%	39.70%	1.72%
Shares Outstanding (Basic)	41	41	41	41	41	41
Shares Outstanding (Diluted)	41	41	41	41	41	41
Shares Change (YoY)	0.75%	0.03%	0.15%	-	0.04%	0.04%
EPS (Basic)	0.97	0.79	0.64	0.53	0.62	0.45
EPS (Diluted)	0.97	0.79	0.64	0.53	0.62	0.45
EPS Growth	30.98%	23.39%	20.76%	-14.52%	38.80%	1.69%
Free Cash Flow	-	474.3	360.27	-401.15	472.05	109.9
Free Cash Flow Per Share	-	11.66	8.86	-9.88	11.62	2.71
Dividend Per Share	0.610	0.535	0.420	0.300	0.410	0.023
Dividend Growth	-23.27%	27.38%	40.00%	-26.83%	1690.39%	-
Operating Margin	16.72%	14.92%	14.46%	10.66%	10.43%	9.20%
Profit Margin	15.37%	13.99%	13.05%	11.73%	13.04%	10.56%
Free Cash Flow Margin	-	206.54%	179.97%	-218.43%	242.99%	63.97%
Effective Tax Rate	28.91%	27.51%	26.95%	25.87%	22.02%	24.87%

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