ISP Finance Services Limited (JMSE:ISP)
Jamaica · Delayed Price · Currency is JMD 9.95
-0.05 (-0.50%)
At close: Sep 4, 2026
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 | Jun '26 Jun 30, 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 | 376.42 | 403.96 | 519.78 | 519.25 | 432.46 | 434.11 |
Total Interest Expense | 64.87 | 57.34 | 67.56 | 67.31 | 40.35 | 32.23 |
Net Interest Income | 311.55 | 346.61 | 452.22 | 451.93 | 392.11 | 401.88 |
Revenue Before Loan Losses | 311.55 | 346.61 | 452.22 | 451.93 | 392.11 | 401.88 |
Provision for Loan Losses | 84 | 111.2 | 180 | 128.8 | 93 | 115.92 |
| 227.55 | 235.41 | 272.22 | 323.13 | 299.11 | 285.96 | |
Revenue Growth | 6.10% | -13.52% | -15.76% | 8.03% | 4.60% | 4.16% |
Salaries & Employee Benefits | 100.73 | 96.26 | 89.56 | 103.66 | 112.8 | 97.84 |
Cost of Services Provided | 22.96 | 24.4 | 24.99 | 37.21 | 37.05 | 37.49 |
Other Operating Expenses | 92.83 | 81.28 | 78.12 | 96.6 | 73.68 | 82.27 |
Total Operating Expenses | 228.24 | 214.34 | 202.4 | 246.82 | 234.13 | 225.31 |
Operating Income | -0.7 | 21.07 | 69.82 | 76.31 | 64.99 | 60.65 |
Currency Exchange Gain (Loss) | -0.74 | -0.74 | -0.55 | -0.46 | 0.03 | -0.57 |
EBT Excluding Unusual Items | -1.43 | 20.34 | 69.27 | 75.85 | 65.02 | 60.08 |
Pretax Income | -0.3 | 20.34 | 69.27 | 75.85 | 65.02 | 59.94 |
Income Tax Expense | -0.46 | 2.98 | 13.55 | 9.23 | 7.78 | 5.53 |
Net Income | 0.16 | 17.35 | 55.72 | 66.62 | 57.24 | 54.41 |
Net Income to Common | 0.16 | 17.35 | 55.72 | 66.62 | 57.24 | 54.41 |
Net Income Growth | -99.50% | -68.86% | -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 |
Shares Change | - | - | - | - | - | - |
EPS (Basic) | 0.00 | 0.17 | 0.53 | 0.63 | 0.55 | 0.52 |
EPS (Diluted) | 0.00 | 0.17 | 0.53 | 0.63 | 0.55 | 0.52 |
EPS Growth | -99.50% | -68.86% | -16.36% | 16.40% | 5.19% | -16.80% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | 213.2 | 18.33 | 22.44 | -183.83 | 4.92 | 35.78 |
Free Cash Flow Per Share | 2.03 | 0.17 | 0.21 | -1.75 | 0.05 | 0.34 |
Operating Margin | -0.31% | 8.95% | 25.65% | 23.62% | 21.73% | 21.21% |
Profit Margin | 0.07% | 7.37% | 20.47% | 20.62% | 19.13% | 19.03% |
Free Cash Flow Margin | 93.70% | 7.79% | 8.24% | -56.89% | 1.65% | 12.51% |
Effective Tax Rate | - | 14.67% | 19.56% | 12.17% | 11.97% | 9.23% |