DelfinGroup AS (RSE:DGR1R)

DelfinGroup AS Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	52.33	41.21	29.3	20.37	17.5
Total Interest Expense	10.91	8.58	4.67	3.83	2.05
Net Interest Income	41.42	32.63	24.63	16.54	15.45
Other Revenue	10.63	9.22	6.47	4.82	6.16
Revenue Before Loan Losses	52.05	41.84	31.11	21.36	21.62
Provision for Loan Losses	15.1	10.69	6.16	2.81	1.51
Revenue	36.94	31.16	24.95	18.55	20.11
Revenue Growth (YoY)	18.57%	24.90%	34.50%	-7.77%	8.68%
Cost of Services Provided	26.68	22.08	16.99	13.16	12.69
Other Operating Expenses	0.89	0.79	0.7	0.39	2.56
Total Operating Expenses	27.56	22.87	17.69	13.55	15.26
Operating Income	9.38	8.29	7.26	5	4.85
Currency Exchange Gain (Loss)	-0	-0	-0	-0	-0
EBT Excluding Unusual Items	9.38	8.29	7.26	5	4.85
Pretax Income	9.38	8.29	7.26	5	4.85
Income Tax Expense	1.97	1.66	1.3	0.98	0.75
Net Income	7.4	6.63	5.96	4.02	4.1
Net Income to Common	7.4	6.63	5.96	4.02	4.1
Net Income Growth	11.72%	11.18%	48.38%	-2.00%	4.76%
Shares Outstanding (Basic)	45	45	45	41	40
Shares Outstanding (Diluted)	45	45	45	41	40
Shares Change (YoY)	0.05%	0.16%	10.47%	2.59%	2564.42%
EPS (Basic)	0.16	0.15	0.13	0.10	0.10
EPS (Diluted)	0.16	0.15	0.13	0.10	0.10
EPS Growth	11.64%	10.99%	34.35%	-4.47%	-96.07%
Free Cash Flow	-15.61	-14.42	-18.17	-3.47	1.87
Free Cash Flow Per Share	-0.34	-0.32	-0.40	-0.08	0.05
Dividend Per Share	-	0.009	-	0.055	-
Operating Margin	25.39%	26.61%	29.09%	26.94%	24.14%
Profit Margin	20.04%	21.27%	23.90%	21.66%	20.39%
Free Cash Flow Margin	-42.26%	-46.28%	-72.84%	-18.69%	9.30%
Effective Tax Rate	21.05%	20.04%	17.86%	19.60%	15.54%

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