First National Financial Corporation (FRA:63Z)

First National Financial Income Statement

Financials in millions CAD. 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	1,825	1,748	1,476	1,014	857.38	906.61
Total Interest Expense	1,609	1,531	1,270	889.43	708.87	750
Net Interest Income	216.03	217.48	205.72	124.8	148.52	156.61
Mortgage Banking	246.11	209.34	248.31	268.64	303.69	333.7
Other Revenue	-20.32	-1.83	44.82	88.77	30.79	-46.4
Revenue Before Loan Losses	697.86	683.11	751.4	698.99	694.59	618.89
Revenue	697.86	683.11	751.4	698.99	694.59	618.89
Revenue Growth (YoY)	-1.88%	-9.09%	7.50%	0.63%	12.23%	21.41%
Salaries & Employee Benefits	238.36	229.65	200.49	192.99	177.04	143.5
Cost of Services Provided	119.53	95.51	139.2	173.29	201.79	159.02
Other Operating Expenses	85.49	81.31	67.81	63.63	51.95	57.64
Total Operating Expenses	443.38	406.46	407.5	429.91	430.77	360.16
Operating Income	254.48	276.65	343.91	269.08	263.82	258.73
Pretax Income	254.48	276.65	343.91	269.08	263.82	258.73
Income Tax Expense	67.13	73.26	91.1	71.35	69.26	68.5
Earnings From Continuing Ops.	187.35	203.39	252.81	197.73	194.56	190.23
Net Income	187.35	203.39	252.81	197.73	194.56	190.23
Preferred Dividends & Other Adjustments	3.66	3.9	3.86	3.04	2.7	2.85
Net Income to Common	183.69	199.49	248.95	194.69	191.87	187.38
Net Income Growth	-19.19%	-19.55%	27.85%	1.63%	2.28%	7.34%
Shares Outstanding (Basic)	60	60	60	60	60	60
Shares Outstanding (Diluted)	60	60	60	60	60	60
EPS (Basic)	3.06	3.33	4.15	3.25	3.20	3.12
EPS (Diluted)	3.06	3.33	4.15	3.25	3.20	3.12
EPS Growth	-19.40%	-19.87%	27.87%	1.47%	2.39%	7.60%
Free Cash Flow	288.03	-768.1	-109.71	496.78	-434.85	-250.65
Free Cash Flow Per Share	4.80	-12.81	-1.83	8.28	-7.25	-4.18
Dividend Per Share	1.858	2.458	2.410	2.360	2.270	1.970
Dividend Growth	-23.68%	2.01%	2.12%	3.96%	15.23%	3.14%
Operating Margin	36.47%	40.50%	45.77%	38.50%	37.98%	41.81%
Profit Margin	26.32%	29.20%	33.13%	27.85%	27.62%	30.28%
Free Cash Flow Margin	41.27%	-112.44%	-14.60%	71.07%	-62.60%	-40.50%
Effective Tax Rate	26.38%	26.48%	26.49%	26.52%	26.25%	26.48%

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