EVN Finance JSC (HOSE:EVF)

EVN Finance JSC Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	5,037,606	4,276,780	3,993,619	2,666,756	1,771,532	1,473,665
Total Interest Expense	2,899,316	2,423,089	2,871,622	1,470,965	937,677	760,455
Net Interest Income	2,138,290	1,853,691	1,121,997	1,195,791	833,855	713,210
Commissions and Fees	77,492	74,791	53,319	130,443	138,143	146,062
Gain (Loss) on Sale of Investments	158,226	-34,529	315,721	-78,518	93,026	17,434
Revenue Before Loan Losses	2,374,008	1,893,953	1,491,037	1,247,716	1,065,024	876,706
Provision for Loan Losses	754,123	645,306	387,372	361,482	507,786	317,671
Revenue	1,619,885	1,248,647	1,103,665	886,234	557,238	559,035
Revenue Growth (YoY)	152.20%	13.14%	24.53%	59.04%	-0.32%	-18.95%
Cost of Services Provided	189,011	187,537	347,100	441,592	348,084	372,923
Other Operating Expenses	452,941	329,605	363,013	53,155	-194,370	-91,598
Total Operating Expenses	641,952	517,142	710,113	494,747	153,714	281,325
Operating Income	977,933	731,505	393,552	391,487	403,524	277,710
Earnings From Equity Investments	-	-	-	-	-	4,590
Currency Exchange Gain (Loss)	1,722	-43,142	-86,500	-38,740	-1,774	2,672
Pretax Income	1,071,108	703,774	409,307	455,346	411,618	284,972
Income Tax Expense	203,887	142,952	80,928	89,559	81,047	57,167
Net Income	867,221	560,822	328,379	365,787	330,571	227,805
Preferred Dividends & Other Adjustments	39,025	25,237	9,852	10,827	14,876	-
Net Income to Common	828,196	535,585	318,527	354,960	315,695	227,805
Net Income Growth	674.98%	70.78%	-10.23%	10.65%	45.11%	-0.72%
Shares Outstanding (Basic)	761	761	432	379	379	346
Shares Outstanding (Diluted)	761	761	432	379	379	346
Shares Change (YoY)	47.68%	76.24%	13.82%	-	9.53%	11.28%
EPS (Basic)	1088.94	704.19	738.10	936.20	832.64	658.09
EPS (Diluted)	1088.75	704.00	738.00	936.11	832.64	658.09
EPS Growth	384.33%	-4.61%	-21.16%	12.43%	26.52%	-10.78%
Free Cash Flow	3,467,524	-5,007,531	-3,232,320	4,933,661	-2,121,129	6.02
Free Cash Flow Per Share	4559.24	-6583.95	-7490.04	13012.45	-5594.44	0.02
Operating Margin	60.37%	58.58%	35.66%	44.17%	72.41%	49.68%
Profit Margin	51.13%	42.89%	28.86%	40.05%	56.65%	40.75%
Free Cash Flow Margin	214.06%	-401.04%	-292.87%	556.70%	-380.65%	0.00%
Effective Tax Rate	19.04%	20.31%	19.77%	19.67%	19.69%	20.06%

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