General Capital Income Statement

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

Millions NZD. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	24.79	21.54	13.68	10.62	5.57
Total Interest Expense	15.18	12.66	8.1	5.22	2.98
Net Interest Income	9.62	8.88	5.58	5.39	2.6
Commissions and Fees	1.37	0.87	3.33	2.98	1.89
Other Revenue	0.6	0.23	0.16	0.11	0.55
Revenue Before Loan Losses	11.58	9.97	9.08	8.49	5.04
Provision for Loan Losses	0.58	0.43	0.06	0.57	0.07
Revenue	11.01	9.55	9.02	7.91	4.98
Revenue Growth (YoY)	15.30%	5.88%	13.96%	58.99%	97.43%
Salaries & Employee Benefits	2.79	2	1.79	1.22	1.01
Cost of Services Provided	0.18	0.18	0.99	0.79	0.56
Other Operating Expenses	3.53	3.3	2.62	1.9	1.36
Total Operating Expenses	7.01	5.56	5.43	4.03	3.09
Operating Income	4	3.99	3.59	3.88	1.89
EBT Excluding Unusual Items	4	3.99	3.59	3.88	1.89
Impairment of Goodwill	-	-	-	-0.54	-
Pretax Income	4	3.94	3.59	3.34	1.89
Income Tax Expense	1.27	1.13	0.95	1.09	0.55
Net Income	2.72	2.81	2.63	2.26	1.34
Net Income to Common	2.72	2.81	2.63	2.26	1.34
Net Income Growth	-2.90%	6.56%	16.60%	68.44%	1539.63%
Shares Outstanding (Basic)	92	91	91	58	43
Shares Outstanding (Diluted)	92	91	91	58	43
Shares Change (YoY)	1.02%	-0.10%	58.06%	33.26%	6.78%
EPS (Basic)	0.03	0.03	0.03	0.04	0.03
EPS (Diluted)	0.03	0.03	0.03	0.04	0.03
EPS Growth	-3.88%	6.67%	-26.10%	26.18%	1453.35%
Free Cash Flow	-24.6	40.92	4.17	-3.46	5.97
Free Cash Flow Per Share	-0.27	0.45	0.05	-0.06	0.14
Dividend Per Share	0.012	0.010	-	-	-
Dividend Growth	21.04%	-	-	-	-
Operating Margin	36.30%	41.76%	39.77%	49.06%	37.95%
Profit Margin	24.75%	29.39%	29.21%	28.54%	26.94%
Free Cash Flow Margin	-223.53%	428.62%	46.26%	-43.70%	120.07%
Effective Tax Rate	31.81%	28.73%	26.56%	32.47%	29.01%