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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	54.99	52.33	41.21	29.3	20.37	17.5
Total Interest Expense	11.21	10.91	8.58	4.67	3.83	2.05
Net Interest Income	43.78	41.42	32.63	24.63	16.54	15.45
Other Revenue	11.23	10.63	9.22	6.47	4.82	6.16
Revenue Before Loan Losses	55.01	52.04	41.84	31.11	21.36	21.62
Provision for Loan Losses	16.34	15.1	10.69	6.16	2.81	1.51
Revenue	38.67	36.94	31.16	24.95	18.55	20.11
Revenue Growth (YoY)	19.48%	18.56%	24.90%	34.50%	-7.77%	8.68%
Cost of Services Provided	28.14	26.68	22.08	16.99	13.16	12.69
Other Operating Expenses	1.13	1.09	0.79	0.7	0.39	2.56
Total Operating Expenses	29.27	27.77	22.87	17.69	13.55	15.26
Operating Income	9.4	9.18	8.29	7.26	5	4.85
Currency Exchange Gain (Loss)	-0	-0	-0	-0	-0	-0
EBT Excluding Unusual Items	9.4	9.17	8.29	7.26	5	4.85
Pretax Income	9.4	9.17	8.29	7.26	5	4.85
Income Tax Expense	1.97	1.9	1.66	1.3	0.98	0.75
Net Income	7.43	7.28	6.63	5.96	4.02	4.1
Net Income to Common	7.43	7.28	6.63	5.96	4.02	4.1
Net Income Growth	11.95%	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)	0.16	0.16	0.15	0.13	0.10	0.10
EPS (Diluted)	0.16	0.16	0.15	0.13	0.10	0.10
EPS Growth	11.64%	9.59%	10.99%	34.35%	-4.47%	-96.07%
Free Cash Flow	-16.33	-15.67	-14.87	-18.17	-3.47	1.87
Free Cash Flow Per Share	-0.36	-0.34	-0.33	-0.40	-0.08	0.05
Dividend Per Share	-	-	0.009	-	0.055	-
Operating Margin	24.31%	24.84%	26.61%	29.09%	26.94%	24.14%
Profit Margin	19.21%	19.70%	21.27%	23.90%	21.66%	20.39%
Free Cash Flow Margin	-42.24%	-42.42%	-47.74%	-72.84%	-18.69%	9.30%
Effective Tax Rate	20.98%	20.69%	20.04%	17.86%	19.60%	15.54%

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