Íslandsbanki hf. (ICE: ISB)

Íslandsbanki Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	63,811	57,068	49,952	43,019	43,925
Revenue Growth (YoY)	11.82%	14.25%	16.12%	-2.06%	1.33%
Gross Profit	63,811	57,068	49,952	43,019	43,925
Selling, General & Admin	5,593	4,067	3,565	2,865	3,442
Other Operating Expenses	-14,557	21,829	21,933	22,058	25,436
Operating Expenses	29,474	25,896	25,498	24,923	28,878
Operating Income	33,783	83,907	28,851	9,533	12,718
Interest Income	137,142	94,013	58,625	55,695	61,965
Interest Expense	88,531	50,887	24,582	22,324	29,143
Other Expense / Income	48,611	94,013	34,043	33,371	32,822
Pretax Income	33,748	32,871	27,623	9,324	12,733
Income Tax	9,198	8,485	5,119	2,472	3,909
Net Income	24,585	24,535	23,732	7,061	8,809
Net Income Growth	0.20%	3.38%	236.10%	-19.84%	-20.18%
Shares Outstanding (Basic)	1,992	2,000	2,000	10,000	10,000
Shares Outstanding (Diluted)	1,992	2,000	2,000	10,000	10,000
Shares Change	-0.40%	-	-80.00%	-	400.00%
EPS (Basic)	12.34	12.27	11.26	0.72	0.92
EPS (Diluted)	12.34	12.27	11.26	0.72	0.92
EPS Growth	0.57%	8.97%	1463.89%	-21.74%	-83.33%
Free Cash Flow	25,522	-40,182	-3,189	-81,536	17,760
Free Cash Flow Per Share	12.81	-20.09	-1.59	-8.15	1.78
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	52.94%	147.03%	57.76%	22.16%	28.95%
Profit Margin	38.53%	42.99%	47.51%	16.41%	20.05%
Free Cash Flow Margin	40.00%	-70.41%	-6.38%	-189.53%	40.43%
Effective Tax Rate	27.25%	25.81%	18.53%	26.51%	30.70%
EBITDA	35,403	85,307	30,246	11,298	14,678
EBITDA Margin	55.48%	149.48%	60.55%	26.26%	33.42%
Depreciation & Amortization	1,620	1,400	1,395	1,765	1,960
EBIT	33,783	83,907	28,851	9,533	12,718
EBIT Margin	52.94%	147.03%	57.76%	22.16%	28.95%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.