DelfinGroup AS (RSE:DGR1R)

DelfinGroup AS Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	57.86	52.33	41.21	29.3	20.37	17.5
Total Interest Expense	11.62	10.91	8.58	4.67	3.83	2.05
Net Interest Income	46.24	41.42	32.63	24.63	16.54	15.45
Other Revenue	13.03	10.63	9.22	6.47	4.82	6.16
Revenue Before Loan Losses	59.27	52.04	41.84	31.11	21.36	21.62
Provision for Loan Losses	18.11	15.1	10.69	6.16	2.81	1.51
Revenue	41.16	36.94	31.16	24.95	18.55	20.11
Revenue Growth (YoY)	21.63%	18.56%	24.90%	34.50%	-7.77%	8.68%
Cost of Services Provided	30.44	26.68	22.08	16.99	13.16	12.69
Other Operating Expenses	1.05	1.09	0.79	0.7	0.39	2.56
Total Operating Expenses	31.49	27.77	22.87	17.69	13.55	15.26
Operating Income	9.67	9.18	8.29	7.26	5	4.85
Currency Exchange Gain (Loss)	-0	-0	-0	-0	-0	-0
EBT Excluding Unusual Items	9.67	9.17	8.29	7.26	5	4.85
Pretax Income	9.67	9.17	8.29	7.26	5	4.85
Income Tax Expense	2.11	1.9	1.66	1.3	0.98	0.75
Net Income	7.56	7.28	6.63	5.96	4.02	4.1
Net Income to Common	7.56	7.28	6.63	5.96	4.02	4.1
Net Income Growth	12.66%	9.78%	11.18%	48.38%	-2.00%	4.76%
Shares Outstanding (Basic)	45	45	45	45	41	40
Shares Outstanding (Diluted)	45	45	45	45	41	40
Shares Change (YoY)	0.06%	0.05%	0.16%	10.47%	2.59%	2564.42%
EPS (Basic)	0.17	0.16	0.15	0.13	0.10	0.10
EPS (Diluted)	0.17	0.16	0.15	0.13	0.10	0.10
EPS Growth	12.92%	9.59%	10.99%	34.35%	-4.47%	-96.07%
Free Cash Flow	-18.17	-15.67	-14.87	-18.17	-3.47	1.87
Free Cash Flow Per Share	-0.40	-0.34	-0.33	-0.40	-0.08	0.05
Dividend Per Share	-	-	0.009	-	0.055	-
Operating Margin	23.49%	24.84%	26.61%	29.09%	26.94%	24.14%
Profit Margin	18.36%	19.70%	21.27%	23.90%	21.66%	20.39%
Free Cash Flow Margin	-44.15%	-42.42%	-47.74%	-72.84%	-18.69%	9.30%
Effective Tax Rate	21.83%	20.69%	20.04%	17.86%	19.60%	15.54%

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