PSX:ICIBL Income Statement

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

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	130.68	137.46	125.63	123.56	117.73	67.08
Total Interest Expense	0	-	-	12.03	4.93	9.84
Net Interest Income	130.68	137.46	125.63	111.53	112.8	57.24
Gain on Sale of Investments (Rev)	-9.13	34.79	18.62	-3.42	-5.06	2.71
Other Revenue	13.38	1.59	6.16	3.01	-2.45	-4.2
Revenue Before Loan Losses	134.93	173.85	150.42	111.12	105.29	55.76
Provision for Loan Losses	-7.19	-10.05	-29.51	-19.65	-32.73	-39.79
Revenue	142.11	183.9	179.93	130.77	138.02	95.55
Revenue Growth (YoY)	-16.89%	2.21%	37.59%	-5.25%	44.45%	364.83%
Cost of Services Provided	33.92	36.61	37.29	34.95	27.28	23.88
Other Operating Expenses	0.01	0.01	0	0.01	0.01	0.01
Total Operating Expenses	36.86	40.86	37.3	39.18	27.33	27.1
Operating Income	105.25	143.04	142.63	91.59	110.69	68.45
Other Non-Operating Income (Expenses)	37	5.72	5.16	6.55	5.12	3.97
EBT Excluding Unusual Items	142.25	148.76	147.79	98.14	115.81	72.42
Gain (Loss) on Sale of Investments	-	-	0.69	-	-	-
Other Unusual Items	-	-	-	-	5.73	18.66
Pretax Income	144.22	150.73	148.48	99.23	121.54	91.08
Income Tax Expense	28.11	23.99	23.86	9.47	26.27	7.22
Net Income	116.11	126.74	124.62	89.76	95.27	83.86
Net Income to Common	116.11	126.74	124.62	89.76	95.27	83.86
Net Income Growth	-1.61%	1.70%	38.84%	-5.79%	13.61%	81.81%
Shares Outstanding (Basic)	285	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285	285
EPS (Basic)	0.41	0.44	0.44	0.32	0.33	0.29
EPS (Diluted)	0.41	0.44	0.44	0.32	0.33	0.29
EPS Growth	-1.83%	1.70%	38.84%	-5.79%	13.61%	81.81%
Free Cash Flow	89.29	81.14	104.97	60.05	98.23	158.55
Free Cash Flow Per Share	0.31	0.28	0.37	0.21	0.34	0.56
Operating Margin	74.06%	77.78%	79.27%	70.04%	80.20%	71.64%
Profit Margin	81.70%	68.92%	69.26%	68.64%	69.03%	87.76%
Free Cash Flow Margin	62.83%	44.12%	58.34%	45.92%	71.17%	165.93%
Effective Tax Rate	19.49%	15.91%	16.07%	9.55%	21.61%	7.93%
Revenue as Reported	134.93	173.85	150.42	123.15	110.22	65.6

Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.