PSX:ICIBL Income Statement

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

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest and Dividend Income	131.76	127.09	137.46	125.63	123.56	117.73
Total Interest Expense	2.63	0.78	-	-	12.03	4.93
Net Interest Income	129.13	126.31	137.46	125.63	111.53	112.8
Gain on Sale of Investments (Rev)	-12.64	-7.79	34.79	18.62	-3.42	-5.06
Other Revenue	4.27	4.27	1.59	6.16	3.01	-2.45
Revenue Before Loan Losses	120.75	122.78	173.85	150.42	111.12	105.29
Provision for Loan Losses	22.46	22.9	-5.69	-29.51	-19.65	-32.73
Revenue	98.29	99.88	179.54	179.93	130.77	138.02
Revenue Growth	-40.38%	-44.37%	-0.21%	37.59%	-5.25%	44.45%
Cost of Services Provided	34.81	33.35	36.49	37.29	34.95	27.28
Other Operating Expenses	0.01	0.01	0.01	0	0.01	0.01
Total Operating Expenses	35.73	34.27	36.5	37.3	39.18	27.33
Operating Income	62.56	65.61	143.04	142.63	91.59	110.69
Other Non-Operating Income (Expenses)	10.68	10.56	5.72	5.16	6.55	5.12
EBT Excluding Unusual Items	73.25	76.17	148.76	147.79	98.14	115.81
Gain (Loss) on Sale of Investments	-	-	-	0.69	-	-
Other Unusual Items	-	-	-	-	-	5.73
Pretax Income	98.94	101.86	150.73	148.48	99.23	121.54
Income Tax Expense	13.84	14.34	23.99	23.86	9.47	26.27
Net Income	85.1	87.52	126.74	124.62	89.76	95.27
Net Income to Common	85.1	87.52	126.74	124.62	89.76	95.27
Net Income Growth	-24.89%	-30.94%	1.70%	38.84%	-5.79%	13.61%
Shares Outstanding (Basic)	43	43	43	43	43	43
Shares Outstanding (Diluted)	43	43	43	43	43	43
Shares Change	0.07%	-	-	-	-	-
EPS (Basic)	1.98	2.03	2.94	2.89	2.08	2.21
EPS (Diluted)	1.98	2.03	2.94	2.89	2.08	2.21
EPS Growth	-24.95%	-30.94%	1.70%	38.84%	-5.79%	13.61%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Free Cash Flow	79.66	82.16	81.14	104.97	60.05	98.23
Free Cash Flow Per Share	1.85	1.91	1.89	2.44	1.40	2.28
Operating Margin	63.65%	65.69%	79.67%	79.27%	70.04%	80.20%
Profit Margin	86.58%	87.63%	70.59%	69.26%	68.64%	69.03%
Free Cash Flow Margin	81.05%	82.26%	45.19%	58.34%	45.92%	71.17%
Effective Tax Rate	13.99%	14.08%	15.91%	16.07%	9.55%	21.61%
Revenue as Reported	123.39	123.56	173.85	150.42	123.15	110.22