DelfinGroup AS Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	60.73	52.33	41.21	29.3	20.37	17.5
Total Interest Expense	12.18	10.91	8.58	4.67	3.83	2.05
Net Interest Income	48.55	41.42	32.63	24.63	16.54	15.45
Other Revenue	13.92	10.63	9.22	6.47	4.82	6.16
Revenue Before Loan Losses	62.47	52.04	41.84	31.11	21.36	21.62
Provision for Loan Losses	19.9	15.1	10.69	6.16	2.81	1.51
Revenue	42.58	36.94	31.16	24.95	18.55	20.11
Revenue Growth (YoY)	20.30%	18.56%	24.90%	34.50%	-7.77%	8.68%
Cost of Services Provided	31.2	26.68	22.08	16.99	13.16	12.69
Other Operating Expenses	1.15	1.09	0.79	0.7	0.39	2.56
Total Operating Expenses	32.35	27.77	22.87	17.69	13.55	15.26
Operating Income	10.23	9.18	8.29	7.26	5	4.85
Currency Exchange Gain (Loss)	-0	-0	-0	-0	-0	-0
EBT Excluding Unusual Items	10.23	9.17	8.29	7.26	5	4.85
Pretax Income	10.23	9.17	8.29	7.26	5	4.85
Income Tax Expense	2.25	1.9	1.66	1.3	0.98	0.75
Net Income	7.97	7.28	6.63	5.96	4.02	4.1
Net Income to Common	7.97	7.28	6.63	5.96	4.02	4.1
Net Income Growth	19.46%	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)	0.04%	0.05%	0.16%	10.47%	2.59%	2564.42%
EPS (Basic)	0.18	0.16	0.15	0.13	0.10	0.10
EPS (Diluted)	0.18	0.16	0.15	0.13	0.10	0.10
EPS Growth	19.44%	9.59%	10.99%	34.35%	-4.47%	-96.07%
Free Cash Flow	-22.21	-15.67	-14.87	-18.17	-3.47	1.87
Free Cash Flow Per Share	-0.49	-0.34	-0.33	-0.40	-0.08	0.05
Dividend Per Share	0.009	0.009	0.009	-	0.055	-
Dividend Growth	4.54%	4.54%	-	-	-	-
Operating Margin	24.02%	24.84%	26.61%	29.09%	26.94%	24.14%
Profit Margin	18.73%	19.70%	21.27%	23.90%	21.66%	20.39%
Free Cash Flow Margin	-52.16%	-42.42%	-47.74%	-72.84%	-18.69%	9.30%
Effective Tax Rate	22.04%	20.69%	20.04%	17.86%	19.60%	15.54%

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