FRA:8KR Income Statement

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

Millions USD. 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	457.87	564.63	640.41	421.97	279.95	269.19
Total Interest Expense	335.89	412.91	458.8	236.1	114.44	127.31
Net Interest Income	121.98	151.72	181.61	185.87	165.51	141.88
Gain (Loss) on Sale of Investments	1.19	-0.62	3.2	-	5.13	-3.9
Other Revenue	19.12	30.12	18	17.89	1.96	5.18
Revenue Before Loan Losses	142.29	181.22	202.81	203.77	172.59	143.16
Provision for Loan Losses	80.28	80.61	175.12	112.37	-4.06	50.34
Revenue	62.01	100.62	27.69	91.39	176.65	92.81
Revenue Growth (YoY)	-6.87%	263.33%	-69.70%	-48.26%	90.33%	-23.59%
Salaries & Employee Benefits	8	8.26	8.08	7.84	7.43	5.68
Cost of Services Provided	57.96	57.78	50.57	47.21	36.46	32.33
Total Operating Expenses	65.96	66.04	58.64	55.04	43.89	38
Operating Income	-3.95	34.58	-30.95	36.35	132.77	54.81
EBT Excluding Unusual Items	-3.95	34.58	-30.95	36.35	132.77	54.81
Other Unusual Items	-	-	-	1.3	5.1	-
Pretax Income	-3.95	34.58	-30.95	37.65	137.87	54.81
Income Tax Expense	0.05	0.25	0.71	0.06	0.68	0.41
Earnings From Continuing Ops.	-3.99	34.33	-31.66	37.59	137.18	54.4
Minority Interest in Earnings	3.44	1.26	0.81	0.51	-	-
Net Income	-0.55	35.59	-30.85	38.1	137.18	54.4
Preferred Dividends & Other Adjustments	22.76	22.52	23.07	22.73	11.55	0.84
Net Income to Common	-23.32	13.07	-53.92	15.37	125.64	53.55
Net Income Growth	-	-	-	-72.22%	152.19%	-39.53%
Shares Outstanding (Basic)	68	69	69	68	57	56
Shares Outstanding (Diluted)	68	69	69	68	57	56
Shares Change (YoY)	-2.34%	0.31%	2.41%	18.97%	1.29%	-2.56%
EPS (Basic)	-0.34	0.19	-0.78	0.23	2.22	0.96
EPS (Diluted)	-0.34	0.19	-0.78	0.23	2.21	0.96
EPS Growth	-	-	-	-89.70%	131.04%	-39.07%
Free Cash Flow	73.87	132.56	155.72	141.13	124.79	115.06
Free Cash Flow Per Share	1.09	1.91	2.25	2.09	2.20	2.05
Dividend Per Share	1.000	1.000	1.720	1.720	1.720	1.720
Dividend Growth	-15.25%	-41.86%	-	-	-	-
Operating Margin	-6.37%	34.36%	-111.75%	39.77%	75.16%	59.05%
Profit Margin	-37.60%	12.99%	-194.70%	16.82%	71.12%	57.70%
Free Cash Flow Margin	119.12%	131.75%	562.29%	154.41%	70.64%	123.97%
Effective Tax Rate	-	0.72%	-	0.15%	0.50%	0.75%

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