United Finance Company SAOG (MSM:UFCI)

MSM:UFCI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	10.76	9.68	8.84	7.71	8.19	7.51
Total Interest Expense	3.63	3.22	2.79	1.77	1.94	2.52
Net Interest Income	7.13	6.46	6.05	5.94	6.25	5
Other Revenue	0.5	0.5	0.31	0.04	0.25	0.21
Revenue Before Loan Losses	7.63	6.96	6.36	5.98	6.5	5.21
Provision for Loan Losses	1.25	1.04	1.09	0.71	1.3	1.5
Revenue	6.37	5.92	5.27	5.28	5.19	3.71
Revenue Growth (YoY)	12.04%	12.45%	-0.18%	1.55%	39.90%	-7.03%
Salaries & Employee Benefits	2.7	2.56	2.34	2.41	2.09	-
Cost of Services Provided	1.88	1.66	1.63	1.45	0.98	3.05
Other Operating Expenses	-1.36	-0.9	-0.93	-0.56	-0.29	-0.24
Total Operating Expenses	3.38	3.47	3.16	3.39	2.88	2.82
Operating Income	3	2.45	2.11	1.89	2.32	0.9
EBT Excluding Unusual Items	3	2.45	2.11	1.89	2.32	0.9
Pretax Income	3	2.45	2.11	1.89	2.32	0.91
Income Tax Expense	0.45	0.37	0.32	0.28	0.41	0.14
Net Income	2.55	2.08	1.79	1.6	1.91	0.78
Net Income to Common	2.55	2.08	1.79	1.6	1.91	0.78
Net Income Growth	24.08%	16.25%	11.67%	-16.23%	146.60%	15.36%
Shares Outstanding (Basic)	356	356	356	356	356	356
Shares Outstanding (Diluted)	356	356	356	356	356	356
EPS (Basic)	0.01	0.01	0.01	0.00	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.00	0.01	0.00
EPS Growth	24.09%	16.25%	11.69%	-16.23%	146.58%	15.41%
Free Cash Flow	-9.1	-3.54	-8.36	-6.45	8.92	11.43
Free Cash Flow Per Share	-0.03	-0.01	-0.02	-0.02	0.03	0.03
Dividend Per Share	0.004	0.004	0.003	0.003	0.003	-
Dividend Growth	16.67%	16.67%	11.11%	-6.90%	-	-
Operating Margin	47.03%	41.35%	40.00%	35.76%	44.65%	24.18%
Profit Margin	39.97%	35.15%	34.00%	30.39%	36.84%	20.90%
Free Cash Flow Margin	-142.83%	-59.83%	-158.82%	-122.28%	171.66%	307.73%
Effective Tax Rate	15.00%	15.00%	15.00%	15.00%	17.48%	15.00%

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