ISP Finance Services Limited (JMSE:ISP)

ISP Finance Services 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	427.27	517.57	519.25	432.46	434.11	372.68
Total Interest Expense	61.89	67.56	67.31	40.35	32.23	31.92
Net Interest Income	365.38	450	451.93	392.11	401.88	340.76
Revenue Before Loan Losses	365.38	450	451.93	392.11	401.88	340.76
Provision for Loan Losses	153.14	180	128.8	93	115.92	66.23
Revenue	212.24	270	323.13	299.11	285.96	274.53
Revenue Growth (YoY)	-38.59%	-16.44%	8.03%	4.60%	4.16%	13.51%
Salaries & Employee Benefits	88.44	89.56	103.66	112.8	97.84	99.33
Cost of Services Provided	22.28	24.99	37.21	37.05	37.49	27.1
Other Operating Expenses	49.92	75.91	96.6	73.68	82.27	76.6
Total Operating Expenses	171.18	200.18	246.82	234.13	225.31	208.34
Operating Income	41.05	69.82	76.31	64.99	60.65	66.19
Currency Exchange Gain (Loss)	-0.22	-0.55	-0.46	0.03	-0.57	-0.07
EBT Excluding Unusual Items	40.84	69.27	75.85	65.02	60.08	66.11
Pretax Income	40.84	69.27	75.85	65.02	59.94	66.11
Income Tax Expense	8.81	13.55	9.23	7.78	5.53	0.72
Net Income	32.03	55.72	66.62	57.24	54.41	65.39
Net Income to Common	32.03	55.72	66.62	57.24	54.41	65.39
Net Income Growth	-67.57%	-16.36%	16.40%	5.19%	-16.80%	185.03%
Shares Outstanding (Basic)	105	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105	105
Shares Change (YoY)	-0.02%	-	-	-	-	-
EPS (Basic)	0.31	0.53	0.63	0.55	0.52	0.62
EPS (Diluted)	0.31	0.53	0.63	0.55	0.52	0.62
EPS Growth	-67.56%	-16.36%	16.40%	5.19%	-16.80%	185.03%
Free Cash Flow	-0.45	22.44	-183.83	4.92	35.78	0.27
Free Cash Flow Per Share	-0.00	0.21	-1.75	0.05	0.34	0.00
Operating Margin	19.34%	25.86%	23.62%	21.73%	21.21%	24.11%
Profit Margin	15.09%	20.64%	20.62%	19.13%	19.03%	23.82%
Free Cash Flow Margin	-0.21%	8.31%	-56.89%	1.65%	12.51%	0.10%
Effective Tax Rate	21.57%	19.56%	12.17%	11.97%	9.23%	1.09%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.