FRA:FC8 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	412.61	363.96	329.22	305.24	266.27	294.98
Total Interest Expense	225.24	191.26	146.63	87.52	75.24	101.34
Net Interest Income	187.37	172.71	182.59	217.71	191.03	193.64
Other Revenue	5.96	7.45	9.72	8.45	5.38	4.85
Revenue Before Loan Losses	193.33	180.16	192.31	226.17	196.41	198.49
Provision for Loan Losses	-3.2	-5.31	-22.3	-28.1	-14.59	14.11
Revenue	196.53	185.46	214.61	254.27	211	184.38
Revenue Growth (YoY)	6.67%	-13.58%	-15.60%	20.51%	14.44%	24.50%
Salaries & Employee Benefits	95.75	96.19	88.15	84.28	80.53	80.2
Cost of Services Provided	83.52	83.07	77.59	68.19	59.21	53.61
Other Operating Expenses	-11.79	-22.09	-13.08	-16.02	3.84	28.67
Total Operating Expenses	168.39	158.03	153.51	138.07	145.25	164.26
Operating Income	28.14	27.43	61.1	116.19	65.75	20.12
Pretax Income	28.14	27.43	61.1	116.19	65.75	20.12
Income Tax Expense	8.65	8.23	15.75	30.21	18.22	-1.56
Net Income	19.49	19.2	45.34	85.98	47.52	21.68
Net Income to Common	19.49	19.2	45.34	85.98	47.52	21.68
Net Income Growth	-8.27%	-57.65%	-47.27%	80.92%	119.24%	300.98%
Shares Outstanding (Basic)	22	21	21	21	23	23
Shares Outstanding (Diluted)	24	24	25	27	26	24
Shares Change (YoY)	-1.08%	-3.54%	-5.16%	3.14%	7.40%	-0.25%
EPS (Basic)	0.90	0.90	2.17	4.10	2.11	0.96
EPS (Diluted)	0.80	0.79	1.80	3.23	1.84	0.90
EPS Growth	-7.89%	-56.11%	-44.27%	75.54%	104.44%	309.09%
Free Cash Flow	280.53	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Per Share	11.59	9.59	9.41	8.04	7.61	9.95
Operating Margin	14.32%	14.79%	28.47%	45.70%	31.16%	10.91%
Profit Margin	9.92%	10.35%	21.13%	33.82%	22.52%	11.76%
Free Cash Flow Margin	142.74%	125.80%	110.63%	84.08%	93.00%	129.49%
Effective Tax Rate	30.73%	30.00%	25.79%	26.00%	27.72%	-
Revenue as Reported	430.36	393.51	352.01	329.71	267.81	271.16

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