CIM Financial Services Ltd (MUSE: CIM.N0000)

CIM Financial Services Income Statement

Financials in millions MUR. Fiscal year is October - September.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest and Dividend Income	3,545	3,545	2,955	2,502	2,172	1,715
Total Interest Expense	816.5	816.5	579	427.5	396.1	431.4
Net Interest Income	2,728	2,728	2,376	2,075	1,776	1,283
Commissions and Fees	496.3	496.3	430.6	396.8	350	644.8
Other Revenue	109.3	109.3	108.5	100.5	127.6	151.5
Revenue Before Loan Losses	3,334	3,334	2,915	2,572	2,254	2,080
Provision for Loan Losses	251.9	251.9	296.4	535.4	534.6	516.5
Revenue	3,082	3,082	2,618	2,037	1,719	1,563
Revenue Growth (YoY)	17.70%	17.70%	28.56%	18.47%	9.99%	-3.82%
Salaries & Employee Benefits	901.7	901.7	748.5	645.5	606	600.1
Cost of Services Provided	58.2	58.2	54.3	32.9	35.8	36.2
Other Operating Expenses	569.3	569.3	503.1	417.1	353.2	317.9
Total Operating Expenses	1,766	1,766	1,516	1,318	1,215	1,312
Operating Income	1,316	1,316	1,102	718.7	504.6	250.9
Earnings From Equity Investments	-2	-2	-3.2	-2.5	-3.8	0.5
Currency Exchange Gain (Loss)	-7	-7	5.5	1.6	5.4	0.9
EBT Excluding Unusual Items	1,307	1,307	1,105	717.8	506.2	252.3
Gain (Loss) on Sale of Investments	3.3	3.3	2.9	-	-	-
Other Unusual Items	-	-	18.5	-	-	-
Pretax Income	1,310	1,310	1,127	734.8	508.5	268.2
Income Tax Expense	203	203	166.2	133.5	93.9	77.4
Earnings From Continuing Ops.	1,107	1,107	961	601.3	414.6	190.8
Net Income to Company	1,107	1,107	961	601.3	414.6	190.8
Minority Interest in Earnings	-4.7	-4.7	-1.1	-	-	-
Net Income	1,102	1,102	959.9	601.3	414.6	190.8
Net Income to Common	1,102	1,102	959.9	601.3	414.6	190.8
Net Income Growth	14.83%	14.83%	59.64%	45.03%	117.30%	-50.14%
Shares Outstanding (Basic)	681	681	681	681	681	681
Shares Outstanding (Diluted)	681	681	681	681	681	681
EPS (Basic)	1.62	1.62	1.41	0.88	0.61	0.28
EPS (Diluted)	1.62	1.62	1.41	0.88	0.61	0.28
EPS Growth	14.83%	14.83%	59.64%	45.03%	117.30%	-50.14%
Free Cash Flow	-2,127	-2,127	-946.6	-405.3	182.6	-565.7
Free Cash Flow Per Share	-3.13	-3.13	-1.39	-0.60	0.27	-0.83
Dividend Per Share	0.730	0.730	0.560	0.350	0.300	-
Dividend Growth	30.36%	30.36%	60.00%	16.67%	-	-
Operating Margin	42.71%	42.71%	42.10%	35.29%	29.35%	16.05%
Profit Margin	35.77%	35.77%	36.66%	29.52%	24.12%	12.21%
Free Cash Flow Margin	-69.01%	-69.01%	-36.15%	-19.90%	10.62%	-36.19%
Effective Tax Rate	15.50%	15.50%	14.74%	18.17%	18.47%	28.86%

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