FRA:FC8 Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	190.67	172.71	182.59	217.71	191.03
Net Interest Income Growth	10.40%	-5.41%	-16.13%	13.97%	-1.35%
Non-Interest Income	11.77	29.54	22.8	24.47	1.55
Non-Interest Income Growth	-60.15%	29.61%	-6.85%	1483.95%	-
Revenues Before Loan Losses	202.45	202.25	205.38	242.19	192.57
Provision for Credit Losses	-2.93	-5.31	-22.3	-28.1	-14.59
Revenue	205.38	207.56	227.68	270.29	207.16
Revenue Growth (YoY)	-1.05%	-8.84%	-15.76%	30.47%	33.04%
Compensation Expenses	95.37	96.19	88.15	84.28	80.53
Selling, General & Admin	52.87	54.71	50	37.62	34.62
Other Non-Interest Expenses	29.14	29.22	28.44	32.19	26.27
Total Non-Interest Expense	177.38	180.13	166.59	154.09	141.42
Pretax Income	28	27.43	61.1	116.19	65.75
Provision for Income Taxes	8.68	8.23	15.75	30.21	18.22
Net Income	19.33	19.2	45.34	85.98	47.52
Net Income to Common	19.33	19.2	45.34	85.98	47.52
Net Income Growth	0.64%	-57.65%	-47.27%	80.92%	119.24%
Shares Outstanding (Basic)	22	21	21	21	23
Shares Outstanding (Diluted)	24	24	25	27	26
Shares Change (YoY)	-1.00%	-3.54%	-5.16%	3.14%	7.03%
EPS (Basic)	0.88	0.90	2.17	4.10	2.11
EPS (Diluted)	0.80	0.79	1.80	3.23	1.84
EPS Growth	1.27%	-56.11%	-44.27%	75.54%	104.44%
Free Cash Flow	288.29	233.32	237.42	213.78	196.22
Free Cash Flow Growth	23.56%	-1.73%	11.06%	8.95%	-17.81%
Free Cash Flow Per Share	11.97	9.59	9.41	8.04	7.61
Profit Margin	9.41%	9.25%	19.91%	31.81%	22.94%
FCF Margin	140.37%	112.41%	104.28%	79.10%	94.72%
EBITDA	13.46	11.44	10.54	9.83	8.79
EBITDA Margin	6.55%	5.51%	4.63%	3.64%	4.24%
Effective Tax Rate	30.99%	30.00%	25.79%	26.00%	27.72%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.