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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	360.48	376.48	517.57	519.25	432.46	434.11
Total Interest Expense	51.88	50.17	67.56	67.31	40.35	32.23
Net Interest Income	308.6	326.31	450	451.93	392.11	401.88
Revenue Before Loan Losses	308.6	326.31	450	451.93	392.11	401.88
Provision for Loan Losses	99.49	111.2	180	128.8	93	115.92
Revenue	209.11	215.11	270	323.13	299.11	285.96
Revenue Growth (YoY)	-14.90%	-20.33%	-16.44%	8.03%	4.60%	4.16%
Salaries & Employee Benefits	97.93	95.75	89.56	103.66	112.8	97.84
Cost of Services Provided	11.42	11.84	24.99	37.21	37.05	37.49
Other Operating Expenses	59.73	53.29	75.91	96.6	73.68	82.27
Total Operating Expenses	176.27	168.49	200.18	246.82	234.13	225.31
Operating Income	32.83	46.62	69.82	76.31	64.99	60.65
Currency Exchange Gain (Loss)	-0.79	-0.79	-0.55	-0.46	0.03	-0.57
EBT Excluding Unusual Items	32.05	45.84	69.27	75.85	65.02	60.08
Pretax Income	33.19	45.84	69.27	75.85	65.02	59.94
Income Tax Expense	5.07	7.18	13.55	9.23	7.78	5.53
Net Income	28.12	38.66	55.72	66.62	57.24	54.41
Net Income to Common	28.12	38.66	55.72	66.62	57.24	54.41
Net Income Growth	-41.88%	-30.62%	-16.36%	16.40%	5.19%	-16.80%
Shares Outstanding (Basic)	105	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105	105
EPS (Basic)	0.27	0.37	0.53	0.63	0.55	0.52
EPS (Diluted)	0.27	0.37	0.53	0.63	0.55	0.52
EPS Growth	-41.88%	-30.62%	-16.36%	16.40%	5.19%	-16.80%
Free Cash Flow	-28.32	11.72	22.44	-183.83	4.92	35.78
Free Cash Flow Per Share	-0.27	0.11	0.21	-1.75	0.05	0.34
Operating Margin	15.70%	21.67%	25.86%	23.62%	21.73%	21.21%
Profit Margin	13.45%	17.97%	20.64%	20.62%	19.13%	19.03%
Free Cash Flow Margin	-13.54%	5.45%	8.31%	-56.89%	1.65%	12.51%
Effective Tax Rate	15.27%	15.66%	19.56%	12.17%	11.97%	9.23%

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