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	Dec 31, 2024	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	11.07	11.07	8.84	7.71	8.19	7.51
Total Interest Expense	-	-	2.79	1.77	1.94	2.52
Net Interest Income	11.07	11.07	6.05	5.94	6.25	5
Other Revenue	-	-	0.04	0.04	0.25	0.21
Revenue Before Loan Losses	11.07	11.07	6.09	5.98	6.5	5.21
Provision for Loan Losses	1.04	1.04	1.09	0.71	1.3	1.5
Revenue	10.03	10.03	5	5.28	5.19	3.71
Revenue Growth (YoY)	100.71%	100.71%	-5.22%	1.55%	39.89%	-7.03%
Salaries & Employee Benefits	-	-	2.34	2.41	2.09	-
Cost of Services Provided	7.56	7.56	1.63	1.45	0.98	3.05
Other Operating Expenses	-	-	-1.19	-0.56	-0.29	-0.24
Total Operating Expenses	7.56	7.56	2.89	3.39	2.88	2.82
Operating Income	2.48	2.48	2.11	1.89	2.32	0.9
EBT Excluding Unusual Items	2.48	2.48	2.11	1.89	2.32	0.9
Pretax Income	2.48	2.48	2.11	1.89	2.32	0.91
Income Tax Expense	0.37	0.37	0.32	0.28	0.41	0.14
Net Income	2.11	2.11	1.79	1.6	1.91	0.78
Net Income to Common	2.11	2.11	1.79	1.6	1.91	0.78
Net Income Growth	17.67%	17.67%	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
Shares Change (YoY)	-	-	-	-0.00%	-	-
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	17.66%	17.66%	11.69%	-16.23%	146.58%	15.41%
Free Cash Flow	-	-	-8.36	-6.45	8.92	11.43
Free Cash Flow Per Share	-	-	-0.02	-0.02	0.03	0.03
Dividend Per Share	-	-	0.003	0.003	0.003	-
Dividend Growth	-	-	11.11%	-6.90%	-	-
Operating Margin	24.70%	24.70%	42.13%	35.76%	44.65%	24.18%
Profit Margin	20.99%	20.99%	35.81%	30.39%	36.84%	20.90%
Free Cash Flow Margin	-	-	-167.27%	-122.28%	171.66%	307.73%
Effective Tax Rate	15.00%	15.00%	15.00%	15.00%	17.48%	15.00%

Source: S&P Capital IQ. Financial Services template. Financial Sources.