Eppley Income Statement

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

Millions JMD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	408.25	421.16	426.87	438.36	386.56
Total Interest Expense	709.86	454.33	315.82	300.39	285.62
Net Interest Income	-301.61	-33.17	111.04	137.97	100.94
Gain (Loss) on Sale of Investments	-	23.44	-0.78	16.07	-9.13
Other Revenue	1,223	281.91	74.14	76.21	79.32
Revenue Before Loan Losses	1,299	564.92	511.35	513.59	390.24
Provision for Loan Losses	28.17	1.9	-0.49	2.71	1.42
Revenue	1,271	563.02	511.83	510.89	388.82
Revenue Growth (YoY)	125.73%	10.00%	0.19%	31.39%	-3.90%
Salaries & Employee Benefits	-	256.44	190.96	144.77	127.05
Cost of Services Provided	566.29	142.36	104.26	72.49	59.2
Other Operating Expenses	-	20.74	1.27	9.89	11.85
Total Operating Expenses	566.29	436.45	315.66	239.64	211.74
Operating Income	704.65	126.57	196.17	271.25	177.08
Earnings From Equity Investments	429.04	623.66	12.82	2.94	21.58
Currency Exchange Gain (Loss)	-	-6.01	29.48	-9.13	69.81
EBT Excluding Unusual Items	1,134	744.22	269.7	265.06	268.47
Other Unusual Items	-	676.05	230.27	-	-
Pretax Income	1,786	1,528	525.09	269.84	268.47
Income Tax Expense	68.84	43.16	17.83	31.05	16.83
Earnings From Continuing Ops.	1,717	1,485	507.26	238.8	251.63
Minority Interest in Earnings	-951.5	-573.34	0.12	-	-
Net Income	765.48	911.6	507.38	238.8	251.63
Net Income to Common	765.48	911.6	507.38	238.8	251.63
Net Income Growth	-16.03%	79.67%	112.47%	-5.10%	11.67%
Shares Outstanding (Basic)	192	192	192	192	192
Shares Outstanding (Diluted)	192	192	192	192	192
EPS (Basic)	3.98	4.74	2.64	1.24	1.31
EPS (Diluted)	3.98	4.74	2.64	1.24	1.31
EPS Growth	-16.03%	79.67%	112.47%	-5.10%	11.67%
Free Cash Flow	-631.97	418.32	-58.23	562.66	-962.85
Free Cash Flow Per Share	-3.28	2.17	-0.30	2.92	-5.00
Dividend Per Share	1.276	1.196	1.326	1.156	1.162
Dividend Growth	6.69%	-9.80%	14.71%	-0.48%	23.36%
Operating Margin	55.44%	22.48%	38.33%	53.09%	45.54%
Profit Margin	60.23%	161.91%	99.13%	46.74%	64.72%
Free Cash Flow Margin	-49.73%	74.30%	-11.38%	110.13%	-247.63%
Effective Tax Rate	3.85%	2.83%	3.40%	11.51%	6.27%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.