ISP Finance Services Income Statement

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

Millions JMD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	402.05	517.57	519.25	432.46	434.11	372.68
Total Interest Expense	58.59	67.56	67.31	40.35	32.23	31.92
Net Interest Income	343.46	450	451.93	392.11	401.88	340.76
Revenue Before Loan Losses	343.46	450	451.93	392.11	401.88	340.76
Provision for Loan Losses	144.08	180	128.8	93	115.92	66.23
Revenue	199.38	270	323.13	299.11	285.96	274.53
Revenue Growth (YoY)	-37.36%	-16.44%	8.03%	4.60%	4.16%	13.51%
Salaries & Employee Benefits	90.72	89.56	103.66	112.8	97.84	99.33
Cost of Services Provided	20.95	24.99	37.21	37.05	37.49	27.1
Other Operating Expenses	37.39	75.91	96.6	73.68	82.27	76.6
Total Operating Expenses	159.94	200.18	246.82	234.13	225.31	208.34
Operating Income	39.45	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	39.23	69.27	75.85	65.02	60.08	66.11
Pretax Income	39.23	69.27	75.85	65.02	59.94	66.11
Income Tax Expense	8.54	13.55	9.23	7.78	5.53	0.72
Net Income	30.69	55.72	66.62	57.24	54.41	65.39
Net Income to Common	30.69	55.72	66.62	57.24	54.41	65.39
Net Income Growth	-65.29%	-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)	0.29	0.53	0.63	0.55	0.52	0.62
EPS (Diluted)	0.29	0.53	0.63	0.55	0.52	0.62
EPS Growth	-65.29%	-16.36%	16.40%	5.19%	-16.80%	185.03%
Free Cash Flow	-25.51	22.44	-183.83	4.92	35.78	0.27
Free Cash Flow Per Share	-0.24	0.21	-1.75	0.05	0.34	0.00
Operating Margin	19.79%	25.86%	23.62%	21.73%	21.21%	24.11%
Profit Margin	15.39%	20.64%	20.62%	19.13%	19.03%	23.82%
Free Cash Flow Margin	-12.79%	8.31%	-56.89%	1.65%	12.51%	0.10%
Effective Tax Rate	21.77%	19.56%	12.17%	11.97%	9.23%	1.09%

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