Kvika banki hf. (ICE: KVIKA)

Kvika banki Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	29,328	19,219	22,108	8,673	7,394
Revenue Growth (YoY)	52.60%	-13.07%	154.89%	17.31%	20.77%
Gross Profit	29,328	19,219	22,108	8,673	7,394
Selling, General & Admin	0	4,258	3,628	1,759	1,483
Other Operating Expenses	-3,760.29	-3,121.97	-11,627.76	-2,135.68	-1,902.66
Operating Expenses	3,760	13,076	11,635	5,724	5,059
Operating Income	1,750	5,590	10,557	2,414	2,502
Interest Income	22,425	15,192	7,085	3,720	4,978
Interest Expense	5,810	7,533	2,438	1,920	3,202
Other Expense / Income	13,642	7,659	4,647	1,800	1,776
Pretax Income	2,973	5,621	10,487	2,339	2,501
Income Tax	705.11	707.22	-176.88	65.74	-159.6
Net Income	4,019	4,883	10,734	2,349	2,662
Net Income Growth	-17.70%	-54.51%	357.04%	-11.77%	52.83%
Shares Outstanding (Basic)	4,758	4,786	4,105	2,141	1,884
Shares Outstanding (Diluted)	4,758	4,787	4,195	2,303	2,101
Shares Change	-0.60%	14.10%	82.18%	9.60%	3.99%
EPS (Basic)	0.84	1.02	2.62	1.10	1.41
EPS (Diluted)	0.84	1.02	2.56	1.02	1.27
EPS Growth	-17.65%	-60.16%	150.98%	-19.69%	47.67%
Free Cash Flow	16,311	-3,295.65	26,163	-4,515.9	-675.1
Free Cash Flow Per Share	3.43	-0.69	6.24	-1.96	-0.32
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	5.97%	29.09%	47.75%	27.84%	33.85%
Profit Margin	13.70%	25.41%	48.55%	27.08%	36.00%
Free Cash Flow Margin	55.61%	-17.15%	118.34%	-52.07%	-9.13%
Effective Tax Rate	23.72%	12.58%	-1.69%	2.81%	-6.38%
EBITDA	2,860	7,175	12,524	2,716	2,658
EBITDA Margin	9.75%	37.33%	56.65%	31.31%	35.95%
Depreciation & Amortization	1,109	1,585	1,967	301.24	155.81
EBIT	1,750	5,590	10,557	2,414	2,502
EBIT Margin	5.97%	29.09%	47.75%	27.84%	33.85%

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