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	Mar 31, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Operating Revenue	16.49	10.37	2.25	1.65	3.31	0.33
Other Revenue	605.27	438.3	277.02	132.29	141.53	154.4
Revenue	621.75	448.68	279.27	133.94	144.84	154.73
Revenue Growth (YoY)	58.84%	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	559.41	386.33	223.08	93.01	108.41	117.83
Selling, General & Admin	21.51	24	22.49	18.37	15.43	22.77
Other Operating Expenses	5.96	0.24	3.83	-	-	-
Operating Expenses	38.37	35.14	34.69	27.58	27.06	25.68
Operating Income	521.04	351.19	188.4	65.43	81.35	92.15
Interest Expense	-488.09	-329.85	-191.22	-67.61	-65.13	-57.77
Other Non Operating Income (Expenses)	1.13	-6.9	3	0.54	-	-
EBT Excluding Unusual Items	34.07	14.45	0.18	-1.64	16.22	34.38
Gain (Loss) on Sale of Investments	19.92	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	54.21	41.73	26	13.31	28.85	37.81
Income Tax Expense	3.87	10.03	13.01	5.12	8.31	9.11
Net Income	50.34	31.7	12.99	8.19	20.53	28.7
Net Income to Common	50.34	31.7	12.99	8.19	20.53	28.7
Net Income Growth	99.78%	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)	0.77	0.49	0.20	0.13	0.32	0.44
EPS (Diluted)	0.77	0.49	0.20	0.13	0.32	0.44
EPS Growth	99.78%	143.93%	58.67%	-60.12%	-28.46%	201.59%
Free Cash Flow	17.55	-27.68	-36.28	-984.91	967.54	54.31
Free Cash Flow Per Share	0.27	-0.43	-0.56	-15.15	14.88	0.83
Gross Margin	89.97%	86.11%	79.88%	69.44%	74.85%	76.15%
Operating Margin	83.80%	78.27%	67.46%	48.85%	56.16%	59.55%
Profit Margin	8.10%	7.06%	4.65%	6.11%	14.18%	18.55%
Free Cash Flow Margin	2.82%	-6.17%	-12.99%	-735.31%	668.01%	35.10%
EBITDA	531.19	360.75	195.54	73.22	88.96	94.21
EBITDA Margin	85.43%	80.40%	70.02%	54.66%	61.42%	60.88%
D&A For EBITDA	10.15	9.56	7.14	7.79	7.62	2.06
EBIT	521.04	351.19	188.4	65.43	81.35	92.15
EBIT Margin	83.80%	78.27%	67.46%	48.85%	56.16%	59.55%
Effective Tax Rate	7.14%	24.04%	50.03%	38.48%	28.81%	24.08%
Revenue as Reported	622.12	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.