MSM:UFCI 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	11.34	9.68	8.84	7.71	8.19
Total Interest Expense	3.85	3.22	2.79	1.77	1.94
Net Interest Income	7.49	6.46	6.05	5.94	6.25
Other Revenue	0.78	0.5	0.31	0.04	0.25
Revenue Before Loan Losses	8.27	6.96	6.36	5.98	6.5
Provision for Loan Losses	1.23	1.04	1.09	0.71	1.3
Revenue	7.04	5.92	5.27	5.28	5.19
Revenue Growth (YoY)	18.83%	12.45%	-0.18%	1.55%	39.90%
Salaries & Employee Benefits	2.73	2.56	2.34	2.41	2.09
Cost of Services Provided	1.74	1.66	1.63	1.45	0.98
Other Operating Expenses	-1.14	-0.9	-0.93	-0.56	-0.29
Total Operating Expenses	3.54	3.47	3.16	3.39	2.88
Operating Income	3.49	2.45	2.11	1.89	2.32
EBT Excluding Unusual Items	3.49	2.45	2.11	1.89	2.32
Pretax Income	3.49	2.45	2.11	1.89	2.32
Income Tax Expense	0.52	0.37	0.32	0.28	0.41
Net Income	2.97	2.08	1.79	1.6	1.91
Net Income to Common	2.97	2.08	1.79	1.6	1.91
Net Income Growth	42.60%	16.25%	11.67%	-16.23%	146.60%
Shares Outstanding (Basic)	356	356	356	356	356
Shares Outstanding (Diluted)	356	356	356	356	356
EPS (Basic)	0.01	0.01	0.01	0.00	0.01
EPS (Diluted)	0.01	0.01	0.01	0.00	0.01
EPS Growth	42.59%	16.25%	11.69%	-16.23%	146.58%
Free Cash Flow	-16.54	-3.78	-8.36	-6.45	8.92
Free Cash Flow Per Share	-0.05	-0.01	-0.02	-0.02	0.03
Dividend Per Share	0.005	0.004	0.003	0.003	0.003
Dividend Growth	42.86%	16.67%	11.11%	-6.90%	-
Operating Margin	49.62%	41.35%	40.00%	35.76%	44.65%
Profit Margin	42.18%	35.15%	34.00%	30.39%	36.84%
Free Cash Flow Margin	-235.00%	-63.78%	-158.82%	-122.28%	171.66%
Effective Tax Rate	15.00%	15.00%	15.00%	15.00%	17.48%

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