QNB Finansal Kiralama A.S. (IST:QNBFK)

IST:QNBFK Income Statement

Financials in millions TRY. 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	6,450	5,437	3,204	1,460	863.85	603.33
Total Interest Expense	3,104	3,207	2,140	1,038	600.26	295.46
Net Interest Income	3,346	2,229	1,064	422.84	263.59	307.87
Revenue Before Loan Losses	3,346	2,229	1,064	422.84	263.59	307.87
Provision for Loan Losses	656.42	356.41	282.76	251.99	266.08	193.8
Revenue	2,689	1,873	781.61	170.86	-2.49	114.06
Revenue Growth (YoY)	100.38%	139.63%	357.47%	-	-	904.16%
Salaries & Employee Benefits	478.02	339.95	187.14	80.27	42.94	36.19
Cost of Services Provided	133.84	105.81	68.43	34.43	19.61	15.59
Other Operating Expenses	-183.89	-103.52	-229.89	-310.06	-185.64	-101.57
Total Operating Expenses	427.97	342.23	25.67	-195.36	-123.09	-49.79
Operating Income	2,261	1,531	755.94	366.22	120.6	163.85
Currency Exchange Gain (Loss)	257.9	113.17	375.65	141.85	157.42	27.53
EBT Excluding Unusual Items	2,519	1,644	1,132	508.07	278.02	191.38
Pretax Income	2,519	1,644	1,132	508.07	278.02	191.28
Income Tax Expense	731.06	438.76	307.21	106.52	76.49	50.61
Net Income	1,788	1,205	824.38	401.55	201.54	140.67
Net Income to Common	1,788	1,205	824.38	401.55	201.54	140.67
Net Income Growth	94.37%	46.19%	105.30%	99.25%	43.27%	54.64%
Shares Outstanding (Basic)	1,821	1,071	1,000	1,000	1,000	1,000
Shares Outstanding (Diluted)	1,821	1,071	1,000	1,000	1,000	1,000
Shares Change (YoY)	82.10%	7.10%	-	-	-	-
EPS (Basic)	0.98	1.13	0.82	0.40	0.20	0.14
EPS (Diluted)	0.98	1.13	0.82	0.40	0.20	0.14
EPS Growth	6.73%	36.50%	105.30%	99.25%	43.27%	54.64%
Free Cash Flow	-9,056	-2,711	-787.5	-2,007	-455.19	-730.21
Free Cash Flow Per Share	-4.97	-2.53	-0.79	-2.01	-0.46	-0.73
Operating Margin	84.08%	81.73%	96.72%	214.34%	-	143.65%
Profit Margin	66.49%	64.34%	105.47%	235.03%	-	123.32%
Free Cash Flow Margin	-336.74%	-144.75%	-100.75%	-1174.78%	-	-640.18%
Effective Tax Rate	29.02%	26.69%	27.15%	20.96%	27.51%	26.46%
Revenue as Reported	6,313	5,323	3,168	1,452	855.63	600.39

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.