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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	476.63	517.57	519.25	432.46	434.11	372.68
Total Interest Expense	64.73	67.56	67.31	40.35	32.23	31.92
Net Interest Income	411.9	450	451.93	392.11	401.88	340.76
Revenue Before Loan Losses	411.9	450	451.93	392.11	401.88	340.76
Provision for Loan Losses	166.18	180	128.8	93	115.92	66.23
Revenue	245.72	270	323.13	299.11	285.96	274.53
Revenue Growth (YoY)	-27.38%	-16.44%	8.03%	4.60%	4.16%	13.51%
Salaries & Employee Benefits	87.73	89.56	103.66	112.8	97.84	99.33
Cost of Services Provided	23.73	24.99	37.21	37.05	37.49	27.1
Other Operating Expenses	63.15	75.91	96.6	73.68	82.27	76.6
Total Operating Expenses	184.71	200.18	246.82	234.13	225.31	208.34
Operating Income	61.01	69.82	76.31	64.99	60.65	66.19
Currency Exchange Gain (Loss)	-0.55	-0.55	-0.46	0.03	-0.57	-0.07
EBT Excluding Unusual Items	60.46	69.27	75.85	65.02	60.08	66.11
Pretax Income	60.46	69.27	75.85	65.02	59.94	66.11
Income Tax Expense	12.08	13.55	9.23	7.78	5.53	0.72
Net Income	48.38	55.72	66.62	57.24	54.41	65.39
Net Income to Common	48.38	55.72	66.62	57.24	54.41	65.39
Net Income Growth	-41.24%	-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
EPS (Basic)	0.46	0.53	0.63	0.55	0.52	0.62
EPS (Diluted)	0.46	0.53	0.63	0.55	0.52	0.62
EPS Growth	-41.24%	-16.36%	16.40%	5.19%	-16.80%	185.03%
Free Cash Flow	8.84	22.44	-183.83	4.92	35.78	0.27
Free Cash Flow Per Share	0.08	0.21	-1.75	0.05	0.34	0.00
Operating Margin	24.83%	25.86%	23.62%	21.73%	21.21%	24.11%
Profit Margin	19.69%	20.64%	20.62%	19.13%	19.03%	23.82%
Free Cash Flow Margin	3.60%	8.31%	-56.89%	1.65%	12.51%	0.10%
Effective Tax Rate	19.98%	19.56%	12.17%	11.97%	9.23%	1.09%

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