ISP Finance Services Limited (JMSE:ISP)

ISP Finance Services Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	513.92	519.25	432.46	434.11	372.68
Total Interest Expense	61.03	66.67	40.35	32.23	31.92
Net Interest Income	452.88	452.58	392.11	401.88	340.76
Revenue Before Loan Losses	452.88	452.58	392.11	401.88	340.76
Provision for Loan Losses	171.26	128.8	93	115.92	66.23
Revenue	281.62	323.78	299.11	285.96	274.53
Revenue Growth (YoY)	-13.02%	8.25%	4.60%	4.16%	13.51%
Salaries & Employee Benefits	89.56	103.66	112.8	97.84	99.33
Cost of Services Provided	17.13	41.12	37.05	37.49	27.1
Other Operating Expenses	100.34	93.33	73.68	82.27	76.6
Total Operating Expenses	213.28	247.47	234.13	225.31	208.34
Operating Income	68.34	76.31	64.99	60.65	66.19
Currency Exchange Gain (Loss)	-0.55	-0.46	0.03	-0.57	-0.07
EBT Excluding Unusual Items	67.79	75.85	65.02	60.08	66.11
Pretax Income	67.79	75.85	65.02	59.94	66.11
Income Tax Expense	11.3	9.23	7.78	5.53	0.72
Net Income	56.49	66.62	57.24	54.41	65.39
Net Income to Common	56.49	66.62	57.24	54.41	65.39
Net Income Growth	-15.21%	16.40%	5.19%	-16.80%	185.03%
Shares Outstanding (Basic)	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105
EPS (Basic)	0.54	0.63	0.55	0.52	0.62
EPS (Diluted)	0.54	0.63	0.55	0.52	0.62
EPS Growth	-15.21%	16.40%	5.19%	-16.80%	185.03%
Free Cash Flow	17.01	-183.83	4.92	35.78	0.27
Free Cash Flow Per Share	0.16	-1.75	0.05	0.34	0.00
Operating Margin	24.27%	23.57%	21.73%	21.21%	24.11%
Profit Margin	20.06%	20.58%	19.13%	19.03%	23.82%
Free Cash Flow Margin	6.04%	-56.78%	1.65%	12.51%	0.10%
Effective Tax Rate	16.66%	12.17%	11.97%	9.23%	1.09%

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