MSM:TFCI Income Statement

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

Millions OMR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	39.87	31.21	26.87	21.1	17.64
Total Interest Expense	-	14.22	12.26	9.35	8.23
Net Interest Income	39.87	16.98	14.6	11.76	9.41
Other Revenue	-	2.85	2.28	1.96	1.25
Revenue Before Loan Losses	39.87	19.83	16.88	13.72	10.66
Provision for Loan Losses	-	6.6	5	3.99	2.85
Revenue	39.87	13.23	11.89	9.73	7.81
Revenue Growth (YoY)	201.22%	11.35%	22.19%	24.62%	8.36%
Salaries & Employee Benefits	-	4.7	4.27	4	3.19
Cost of Services Provided	23.11	2.01	1.75	1.57	1.17
Other Operating Expenses	-	-0.32	-0.21	-0.16	-
Total Operating Expenses	23.11	6.76	6.21	5.76	4.8
Operating Income	16.75	6.48	5.67	3.97	3
EBT Excluding Unusual Items	16.75	6.48	5.67	3.97	3
Pretax Income	4.17	6.5	5.67	3.98	3
Income Tax Expense	-	0.98	0.85	0.59	0.46
Net Income	4.17	5.53	4.82	3.38	2.54
Net Income to Common	4.17	5.53	4.82	3.38	2.54
Net Income Growth	-24.53%	14.54%	42.70%	32.94%	22.85%
Shares Outstanding (Basic)	279	279	279	279	274
Shares Outstanding (Diluted)	279	279	279	279	274
Shares Change (YoY)	-	-	-0.00%	1.80%	-
EPS (Basic)	0.01	0.02	0.02	0.01	0.01
EPS (Diluted)	0.01	0.02	0.02	0.01	0.01
EPS Growth	-24.53%	14.55%	42.79%	30.50%	23.63%
Free Cash Flow	-	-11.07	-19.06	-12.55	8.83
Free Cash Flow Per Share	-	-0.04	-0.07	-0.04	0.03
Dividend Per Share	-	0.008	0.007	0.005	0.003
Dividend Growth	-	18.18%	43.48%	64.29%	-
Operating Margin	42.02%	48.95%	47.74%	40.78%	38.46%
Profit Margin	10.46%	41.75%	40.58%	34.75%	32.58%
Free Cash Flow Margin	-	-83.66%	-160.32%	-129.00%	113.08%
Effective Tax Rate	-	15.00%	15.00%	14.96%	15.29%

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