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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019
Interest and Dividend Income	3,397	2,955	2,502	2,172	1,715	1,443
Total Interest Expense	769.1	579	427.5	396.1	431.4	388.2
Net Interest Income	2,628	2,376	2,075	1,776	1,283	1,054
Commissions and Fees	-	-	396.8	350	644.8	541.1
Other Revenue	601.8	540.3	100.5	127.6	151.5	210.6
Revenue Before Loan Losses	3,230	2,916	2,572	2,254	2,080	1,806
Provision for Loan Losses	321.6	328.2	535.4	534.6	516.5	180.9
Revenue	2,908	2,588	2,037	1,719	1,563	1,625
Revenue Growth (YoY)	17.73%	27.05%	18.47%	9.99%	-3.82%	31.21%
Salaries & Employee Benefits	-	-	645.5	606	600.1	574.6
Cost of Services Provided	1,700	1,484	32.9	35.8	36.2	34.6
Other Operating Expenses	-	-	417.1	353.2	317.9	365.8
Total Operating Expenses	1,700	1,484	1,318	1,215	1,312	1,148
Operating Income	1,208	1,104	718.7	504.6	250.9	477.2
Earnings From Equity Investments	-2.7	-3.2	-2.5	-3.8	0.5	-32.3
Currency Exchange Gain (Loss)	-9	5.5	1.6	5.4	0.9	4.4
EBT Excluding Unusual Items	1,196	1,106	717.8	506.2	252.3	449.3
Gain (Loss) on Sale of Investments	2.9	2.9	-	-	-	-
Other Unusual Items	18.5	18.5	-	-	-	-
Pretax Income	1,217	1,127	734.8	508.5	268.2	453.1
Income Tax Expense	198.5	166.2	133.5	93.9	77.4	86.2
Earnings From Continuing Ops.	1,019	961	601.3	414.6	190.8	366.9
Earnings From Discontinued Ops.	-	-	-	-	-	15.8
Net Income to Company	1,019	961	601.3	414.6	190.8	382.7
Minority Interest in Earnings	-7	-1.1	-	-	-	-
Net Income	1,012	959.9	601.3	414.6	190.8	382.7
Net Income to Common	1,012	959.9	601.3	414.6	190.8	382.7
Net Income Growth	15.45%	59.64%	45.03%	117.30%	-50.14%	8.91%
Shares Outstanding (Basic)	681	681	681	681	681	681
Shares Outstanding (Diluted)	681	681	681	681	681	681
EPS (Basic)	1.49	1.41	0.88	0.61	0.28	0.56
EPS (Diluted)	1.49	1.41	0.88	0.61	0.28	0.56
EPS Growth	15.45%	59.64%	45.03%	117.30%	-50.14%	8.91%
Free Cash Flow	-2,878	-732.9	-405.3	182.6	-565.7	-2,726
Free Cash Flow Per Share	-4.23	-1.08	-0.60	0.27	-0.83	-4.01
Dividend Per Share	0.590	0.560	0.350	0.300	-	0.240
Dividend Growth	40.48%	60.00%	16.67%	-	-	9.09%
Operating Margin	41.53%	42.64%	35.29%	29.35%	16.05%	29.36%
Profit Margin	34.80%	37.09%	29.52%	24.12%	12.21%	23.55%
Free Cash Flow Margin	-98.96%	-28.32%	-19.90%	10.62%	-36.19%	-167.71%
Effective Tax Rate	16.31%	14.74%	18.17%	18.47%	28.86%	19.02%

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