First Credit and Investment Bank Limited (PSX:FCIBL)

PSX:FCIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Operating Revenue	14.82	10.37	2.25	1.65	3.31	0.33
Other Revenue	590.59	438.3	277.02	132.29	141.53	154.4
Revenue	605.41	448.68	279.27	133.94	144.84	154.73
Revenue Growth (YoY)	79.89%	60.66%	108.49%	-7.52%	-6.39%	32.42%
Cost of Revenue	62.35	62.35	56.18	40.93	36.43	36.9
Gross Profit	543.06	386.33	223.08	93.01	108.41	117.83
Selling, General & Admin	18.94	24	22.49	18.37	15.43	22.77
Other Operating Expenses	4.41	0.24	3.83	-	-	-
Operating Expenses	34.25	35.14	34.69	27.58	27.06	25.68
Operating Income	508.81	351.19	188.4	65.43	81.35	92.15
Interest Expense	-484.47	-329.85	-191.22	-67.61	-65.13	-57.77
Other Non Operating Income (Expenses)	-7.68	-6.9	3	0.54	-	-
EBT Excluding Unusual Items	16.66	14.45	0.18	-1.64	16.22	34.38
Gain (Loss) on Sale of Investments	27.2	27.07	25.77	14.81	12.43	3.4
Gain (Loss) on Sale of Assets	0.21	0.21	0.06	0.14	0.2	0.03
Pretax Income	44.07	41.73	26	13.31	28.85	37.81
Income Tax Expense	6.32	10.03	13.01	5.12	8.31	9.11
Net Income	37.75	31.7	12.99	8.19	20.53	28.7
Net Income to Common	37.75	31.7	12.99	8.19	20.53	28.7
Net Income Growth	78.27%	143.93%	58.67%	-60.12%	-28.46%	201.59%
Shares Outstanding (Basic)	65	65	65	65	65	65
Shares Outstanding (Diluted)	65	65	65	65	65	65
EPS (Basic)	0.58	0.49	0.20	0.13	0.32	0.44
EPS (Diluted)	0.58	0.49	0.20	0.13	0.32	0.44
EPS Growth	78.27%	143.93%	58.67%	-60.12%	-28.46%	201.59%
Free Cash Flow	25.21	-27.68	-36.28	-984.91	967.54	54.31
Free Cash Flow Per Share	0.39	-0.43	-0.56	-15.15	14.88	0.83
Gross Margin	89.70%	86.11%	79.88%	69.44%	74.85%	76.15%
Operating Margin	84.05%	78.27%	67.46%	48.85%	56.16%	59.55%
Profit Margin	6.24%	7.06%	4.65%	6.11%	14.18%	18.55%
Free Cash Flow Margin	4.16%	-6.17%	-12.99%	-735.31%	668.01%	35.10%
EBITDA	518.94	360.75	195.54	73.22	88.96	94.21
EBITDA Margin	85.72%	80.40%	70.02%	54.66%	61.42%	60.88%
D&A For EBITDA	10.13	9.56	7.14	7.79	7.62	2.06
EBIT	508.81	351.19	188.4	65.43	81.35	92.15
EBIT Margin	84.05%	78.27%	67.46%	48.85%	56.16%	59.55%
Effective Tax Rate	14.35%	24.04%	50.03%	38.48%	28.81%	24.08%
Revenue as Reported	292.36	448.89	279.32	134.08	145.04	154.76
Advertising Expenses	-	0.81	0.9	0.49	0.48	0.75

Updated Feb 28, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.