FRA:74X Income Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	64.37	65.7	70.94	59.64	47.21	43.95
Total Interest Expense	12.75	14.15	15.71	14.92	11.09	10.54
Net Interest Income	51.61	51.55	55.23	44.72	36.12	33.42
Gain (Loss) on Sale of Investments	-	-	-	0.09	0.01	-0.07
Other Revenue	1.51	2.93	0.96	0.38	0.69	0.29
Revenue Before Loan Losses	53.12	54.48	56.19	45.19	36.81	33.64
Provision for Loan Losses	9.05	9.28	9.7	2.96	-1.15	1.4
Revenue	44.07	45.21	46.49	42.24	37.96	32.24
Revenue Growth (YoY)	1.86%	-2.77%	10.08%	11.26%	17.75%	-2.07%
Cost of Services Provided	6.48	6.24	6.56	6.23	5.3	4.98
Total Operating Expenses	6.57	6.32	6.65	7.9	5.38	5.89
Operating Income	37.51	38.89	39.84	34.33	32.59	26.35
EBT Excluding Unusual Items	37.51	38.89	39.84	34.33	32.59	26.35
Gain (Loss) on Sale of Investments	0.39	-3.66	-5.68	-2.1	-2.6	-
Pretax Income	37.9	35.23	34.16	32.23	29.99	26.35
Net Income	37.9	35.23	34.16	32.23	29.99	26.35
Net Income to Common	37.9	35.23	34.16	32.23	29.99	26.35
Net Income Growth	10.18%	3.11%	5.99%	7.50%	13.78%	-5.89%
Shares Outstanding (Basic)	37	35	34	34	32	29
Shares Outstanding (Diluted)	40	40	41	41	40	30
Shares Change (YoY)	2.79%	-2.82%	0.44%	1.06%	32.70%	-21.86%
EPS (Basic)	1.03	1.00	0.99	0.94	0.95	0.91
EPS (Diluted)	1.02	0.99	0.98	0.93	0.94	0.91
EPS Growth	3.95%	0.66%	5.73%	-1.16%	3.55%	-4.69%
Dividend Per Share	0.936	0.936	0.936	0.936	0.936	0.936
Operating Margin	85.10%	86.02%	85.70%	81.29%	85.84%	81.74%
Profit Margin	85.99%	77.93%	73.49%	76.32%	78.99%	81.74%
Revenue as Reported	65.88	68.63	71.9	60.12	47.9	44.18

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