First Habib Modaraba Income Statement

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

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '24 Jun 30, 2024	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021	Jun '20 Jun 30, 2020
Interest and Dividend Income	5,185	5,185	3,435	1,563	926.23	1,209
Total Interest Expense	3,505	3,505	2,287	933.68	422.37	761.44
Net Interest Income	1,679	1,679	1,148	629.09	503.86	447.76
Revenue Before Loan Losses	1,679	1,679	1,148	629.09	503.86	447.76
Provision for Loan Losses	308.46	308.46	316.3	103.79	41.37	102.38
Revenue	1,371	1,371	832.14	525.3	462.48	345.38
Revenue Growth (YoY)	64.74%	64.74%	58.41%	13.58%	33.90%	-4.84%
Salaries & Employee Benefits	24.43	24.43	15.73	10.11	7.41	6.46
Cost of Services Provided	397.98	397.98	307.27	223.26	189.37	183.16
Other Operating Expenses	17.91	17.91	12.74	8.11	6.08	8.64
Total Operating Expenses	440.32	440.32	335.74	241.48	202.86	198.26
Operating Income	930.52	930.52	496.4	283.82	259.62	147.12
EBT Excluding Unusual Items	1,197	1,197	646.46	414.2	329.97	289.35
Gain (Loss) on Sale of Investments	-	-	59.95	24.21	-	11.19
Other Unusual Items	-	-	2.55	-	9.31	-0.02
Pretax Income	1,197	1,197	770.79	495.28	363.15	316.68
Income Tax Expense	507.06	507.06	251.16	113.16	-	-
Net Income	690.2	690.2	519.63	382.12	363.15	316.68
Net Income to Common	690.2	690.2	519.63	382.12	363.15	316.68
Net Income Growth	32.82%	32.82%	35.98%	5.23%	14.67%	-0.94%
Shares Outstanding (Basic)	111	111	111	101	101	101
Shares Outstanding (Diluted)	111	111	111	101	101	101
Shares Change (YoY)	-0.04%	-0.04%	9.95%	-	-	-
EPS (Basic)	6.23	6.23	4.69	3.79	3.60	3.14
EPS (Diluted)	6.23	6.23	4.69	3.79	3.60	3.14
EPS Growth	32.88%	32.88%	23.68%	5.23%	14.67%	-0.94%
Free Cash Flow	-	-	-2,062	-4,682	-1,768	1,202
Free Cash Flow Per Share	-	-	-18.61	-46.45	-17.54	11.93
Dividend Per Share	2.100	2.100	2.000	2.000	2.800	2.800
Dividend Growth	5.00%	5.00%	0%	-28.57%	0%	0%
Operating Margin	67.88%	67.88%	59.65%	54.03%	56.14%	42.60%
Profit Margin	50.35%	50.35%	62.45%	72.74%	78.52%	91.69%
Free Cash Flow Margin	-	-	-247.85%	-891.25%	-382.38%	348.08%
Effective Tax Rate	42.35%	42.35%	32.58%	22.85%	-	-

Source: S&P Capital IQ. Financial Services template. Financial Sources.