General Capital Income Statement

Financials in millions NZD. Fiscal year is April - March.

Millions NZD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	19.78	18.15	13.68	10.62	5.57	3.53
Total Interest Expense	13.29	11.65	8.1	5.22	2.98	2.25
Net Interest Income	6.49	6.51	5.58	5.39	2.6	1.29
Commissions and Fees	4.48	4.25	3.33	2.98	1.89	0.93
Other Revenue	0.43	0.23	0.16	0.11	0.55	0.33
Revenue Before Loan Losses	11.41	10.98	9.08	8.49	5.04	2.55
Provision for Loan Losses	0.6	0.43	0.06	0.57	0.07	0.03
Revenue	10.81	10.56	9.02	7.91	4.98	2.52
Revenue Growth (YoY)	11.22%	17.07%	13.96%	58.99%	97.43%	17.53%
Salaries & Employee Benefits	2.42	2	1.79	1.22	1.01	0.78
Cost of Services Provided	1.2	1.19	0.99	0.79	0.56	0.38
Other Operating Expenses	3.8	3.3	2.62	1.9	1.36	1.01
Total Operating Expenses	7.55	6.57	5.43	4.03	3.09	2.21
Operating Income	3.26	3.99	3.59	3.88	1.89	0.31
EBT Excluding Unusual Items	3.26	3.99	3.59	3.88	1.89	0.31
Gain (Loss) on Sale of Investments	-	-	-	-	-	-0.19
Impairment of Goodwill	-	-	-	-0.54	-	-
Pretax Income	3.21	3.94	3.59	3.34	1.89	0.12
Income Tax Expense	0.96	1.13	0.95	1.09	0.55	0.04
Net Income	2.25	2.81	2.63	2.26	1.34	0.08
Net Income to Common	2.25	2.81	2.63	2.26	1.34	0.08
Net Income Growth	-25.05%	6.56%	16.60%	68.44%	1539.63%	-36.89%
Shares Outstanding (Basic)	91	91	91	58	43	40
Shares Outstanding (Diluted)	91	91	91	58	43	40
Shares Change (YoY)	-0.90%	0.05%	58.06%	33.26%	6.78%	1.29%
EPS (Basic)	0.02	0.03	0.03	0.04	0.03	0.00
EPS (Diluted)	0.02	0.03	0.03	0.04	0.03	0.00
EPS Growth	-24.37%	6.51%	-26.10%	26.18%	1453.35%	-37.48%
Free Cash Flow	28.46	40.92	4.17	-3.46	5.97	-1.93
Free Cash Flow Per Share	0.31	0.45	0.05	-0.06	0.14	-0.05
Dividend Per Share	0.008	0.010	-	-	-	-
Operating Margin	30.18%	37.77%	39.77%	49.06%	37.95%	12.33%
Profit Margin	20.82%	26.58%	29.21%	28.54%	26.94%	3.24%
Free Cash Flow Margin	263.28%	387.65%	46.26%	-43.70%	120.07%	-76.60%
Effective Tax Rate	29.96%	28.73%	26.56%	32.47%	29.01%	32.27%

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