Eppley Limited (JMSE:EPLY)

Eppley Income Statement

Financials in millions JMD. 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	410.01	421.16	426.87	438.36	386.56	332.91
Total Interest Expense	707.35	454.33	315.82	300.39	285.62	207.68
Net Interest Income	-297.34	-33.17	111.04	137.97	100.94	125.23
Commissions and Fees	39.04	-	-	-	-	85.98
Gain (Loss) on Sale of Investments	23.44	23.44	-0.78	16.07	-9.13	-
Other Revenue	732.75	281.91	74.14	76.21	79.32	-
Revenue Before Loan Losses	854.05	564.92	511.35	513.59	390.24	405.46
Provision for Loan Losses	29.06	1.9	-0.49	2.71	1.42	0.87
Revenue	824.99	563.02	511.83	510.89	388.82	404.58
Revenue Growth (YoY)	65.96%	10.00%	0.19%	31.39%	-3.90%	28.97%
Salaries & Employee Benefits	256.44	256.44	190.96	144.77	127.05	109.2
Cost of Services Provided	250.14	142.36	104.26	72.49	59.2	59.6
Other Operating Expenses	20.74	20.74	1.27	9.89	11.85	9.29
Total Operating Expenses	544.23	436.45	315.66	239.64	211.74	190.23
Operating Income	280.77	126.57	196.17	271.25	177.08	214.36
Earnings From Equity Investments	412.37	623.66	12.82	2.94	21.58	10.82
Currency Exchange Gain (Loss)	-6.01	-6.01	29.48	-9.13	69.81	-
EBT Excluding Unusual Items	687.12	744.22	269.7	265.06	268.47	225.17
Other Unusual Items	-	676.05	230.27	-	-	-
Pretax Income	1,357	1,528	525.09	269.84	268.47	225.17
Income Tax Expense	66.55	43.16	17.83	31.05	16.83	-0.17
Earnings From Continuing Ops.	1,290	1,485	507.26	238.8	251.63	225.34
Minority Interest in Earnings	-930.22	-573.34	0.12	-	-	-
Net Income	360.27	911.6	507.38	238.8	251.63	225.34
Net Income to Common	360.27	911.6	507.38	238.8	251.63	225.34
Net Income Growth	-62.66%	79.67%	112.47%	-5.10%	11.67%	37.80%
Shares Outstanding (Basic)	192	192	192	192	192	192
Shares Outstanding (Diluted)	192	192	192	192	192	192
EPS (Basic)	1.87	4.74	2.64	1.24	1.31	1.17
EPS (Diluted)	1.87	4.74	2.64	1.24	1.31	1.17
EPS Growth	-62.66%	79.67%	112.47%	-5.10%	11.67%	37.80%
Free Cash Flow	-374.29	418.32	-58.23	562.66	-962.85	219.96
Free Cash Flow Per Share	-1.95	2.17	-0.30	2.92	-5.00	1.14
Dividend Per Share	1.346	1.196	1.326	1.156	1.162	0.942
Dividend Growth	1.51%	-9.80%	14.71%	-0.48%	23.36%	38.15%
Operating Margin	34.03%	22.48%	38.33%	53.09%	45.54%	52.98%
Profit Margin	43.67%	161.91%	99.13%	46.74%	64.72%	55.70%
Free Cash Flow Margin	-45.37%	74.30%	-11.38%	110.13%	-247.63%	54.37%
Effective Tax Rate	4.90%	2.83%	3.40%	11.51%	6.27%	-

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