First Credit and Investment Bank Limited (PSX:FCIBL)

PSX:FCIBL Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Operating Revenue	17.93	10.37	2.25	1.65	3.31
Other Revenue	583.84	438.3	277.02	132.29	141.53
Revenue	601.77	448.68	279.27	133.94	144.84
Revenue Growth (YoY)	34.12%	60.66%	108.49%	-7.52%	-6.39%
Cost of Revenue	60.92	62.35	56.18	40.93	36.43
Gross Profit	540.85	386.33	223.08	93.01	108.41
Selling, General & Admin	27.35	24	22.49	18.37	15.43
Other Operating Expenses	5.32	0.24	3.83	-	-
Operating Expenses	43.5	35.14	34.69	27.58	27.06
Operating Income	497.35	351.19	188.4	65.43	81.35
Interest Expense	-461.8	-329.85	-191.22	-67.61	-65.13
Other Non Operating Income (Expenses)	0.04	-6.9	3	0.54	-
EBT Excluding Unusual Items	35.59	14.45	0.18	-1.64	16.22
Gain (Loss) on Sale of Investments	26.35	27.07	25.77	14.81	12.43
Gain (Loss) on Sale of Assets	0.39	0.21	0.06	0.14	0.2
Pretax Income	62.33	41.73	26	13.31	28.85
Income Tax Expense	6.06	10.03	13.01	5.12	8.31
Net Income	56.27	31.7	12.99	8.19	20.53
Net Income to Common	56.27	31.7	12.99	8.19	20.53
Net Income Growth	77.51%	143.93%	58.67%	-60.12%	-28.46%
Shares Outstanding (Basic)	65	65	65	65	65
Shares Outstanding (Diluted)	65	65	65	65	65
EPS (Basic)	0.87	0.49	0.20	0.13	0.32
EPS (Diluted)	0.87	0.49	0.20	0.13	0.32
EPS Growth	77.51%	143.93%	58.67%	-60.12%	-28.46%
Free Cash Flow	234.27	-149.54	-36.28	-984.91	967.54
Free Cash Flow Per Share	3.60	-2.30	-0.56	-15.15	14.88
Gross Margin	89.88%	86.11%	79.88%	69.44%	74.85%
Operating Margin	82.65%	78.27%	67.46%	48.85%	56.16%
Profit Margin	9.35%	7.06%	4.65%	6.11%	14.18%
Free Cash Flow Margin	38.93%	-33.33%	-12.99%	-735.31%	668.01%
EBITDA	502.28	355.25	195.54	73.22	88.96
EBITDA Margin	83.47%	79.18%	70.02%	54.66%	61.42%
D&A For EBITDA	4.93	4.06	7.14	7.79	7.62
EBIT	497.35	351.19	188.4	65.43	81.35
EBIT Margin	82.65%	78.27%	67.46%	48.85%	56.16%
Effective Tax Rate	9.73%	24.04%	50.03%	38.48%	28.81%
Revenue as Reported	602.16	448.89	279.32	134.08	145.04
Advertising Expenses	0.94	0.81	0.9	0.49	0.48

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.