EVF General Finance JSC (HOSE:EVF)

EVF General Finance JSC Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	5,501,970	5,501,970	4,276,780	3,993,619	2,666,756	1,771,532
Total Interest Expense	3,201,158	3,201,158	2,423,089	2,871,622	1,470,965	937,677
Net Interest Income	2,300,812	2,300,812	1,853,691	1,121,997	1,195,791	833,855
Commissions and Fees	63,490	65,217	74,791	53,319	130,443	138,143
Gain (Loss) on Sale of Investments	250,469	190,172	-34,529	315,721	-78,518	93,026
Revenue Before Loan Losses	2,990,829	2,556,201	1,893,953	1,491,037	1,247,716	1,065,024
Provision for Loan Losses	865,188	828,823	645,306	387,372	361,482	507,786
Revenue	2,125,641	1,727,378	1,248,647	1,103,665	886,234	557,238
Revenue Growth (YoY)	82.10%	38.34%	13.14%	24.53%	59.04%	-1.54%
Cost of Services Provided	298,102	298,090	187,537	347,100	441,592	348,084
Other Operating Expenses	669,569	323,005	329,605	363,013	53,155	-194,370
Total Operating Expenses	967,671	621,095	517,142	710,113	494,747	153,714
Operating Income	1,157,970	1,106,283	731,505	393,552	391,487	403,524
Currency Exchange Gain (Loss)	-75,346	-49,224	-43,142	-86,500	-38,740	-1,774
Pretax Income	1,128,914	1,104,225	703,774	409,307	455,346	411,618
Income Tax Expense	208,426	209,888	142,952	80,928	89,559	81,047
Net Income	920,488	894,337	560,822	328,379	365,787	330,571
Preferred Dividends & Other Adjustments	40,245	40,245	25,237	9,852	10,827	14,876
Net Income to Common	880,243	854,092	535,585	318,527	354,960	315,695
Net Income Growth	103.89%	59.47%	70.78%	-10.23%	10.65%	44.73%
Shares Outstanding (Basic)	760	761	761	432	379	379
Shares Outstanding (Diluted)	760	761	761	432	379	379
Shares Change (YoY)	-3.76%	-	76.24%	13.82%	-	-0.02%
EPS (Basic)	1157.60	1122.97	704.19	738.10	936.20	832.64
EPS (Diluted)	1157.60	1122.97	704.00	738.00	936.11	832.41
EPS Growth	109.50%	59.51%	-4.61%	-21.16%	12.46%	46.06%
Free Cash Flow	2,174,686	1,354,415	-5,007,531	-3,232,320	4,933,661	-2,121,129
Free Cash Flow Per Share	2859.91	1780.80	-6583.95	-7490.04	13012.45	-5594.44
Operating Margin	54.48%	64.04%	58.58%	35.66%	44.17%	72.41%
Profit Margin	41.41%	49.44%	42.89%	28.86%	40.05%	56.65%
Free Cash Flow Margin	102.31%	78.41%	-401.04%	-292.87%	556.70%	-380.65%
Effective Tax Rate	18.46%	19.01%	20.31%	19.77%	19.67%	19.69%

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