DelfinGroup AS Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	64.13	52.33	41.21	29.3	20.37
Total Interest Expense	12.76	10.91	8.58	4.67	3.83
Net Interest Income	51.37	41.42	32.63	24.63	16.54
Other Revenue	14.11	10.63	9.22	6.47	4.82
Revenue Before Loan Losses	65.48	52.04	41.84	31.11	21.36
Provision for Loan Losses	21.21	15.1	10.69	6.16	2.81
Revenue	44.27	36.94	31.16	24.95	18.55
Revenue Growth (YoY)	19.84%	18.56%	24.90%	34.50%	-7.77%
Cost of Services Provided	31.25	26.68	22.08	16.99	13.16
Other Operating Expenses	0.61	1.09	0.79	0.7	0.39
Total Operating Expenses	31.86	27.77	22.87	17.69	13.55
Operating Income	12.41	9.18	8.29	7.26	5
Currency Exchange Gain (Loss)	-	-0	-0	-0	-0
EBT Excluding Unusual Items	12.41	9.17	8.29	7.26	5
Pretax Income	12.41	9.17	8.29	7.26	5
Income Tax Expense	2.8	1.9	1.66	1.3	0.98
Net Income	9.61	7.28	6.63	5.96	4.02
Net Income to Common	9.61	7.28	6.63	5.96	4.02
Net Income Growth	32.14%	9.78%	11.18%	48.38%	-2.00%
Shares Outstanding (Basic)	45	45	45	45	41
Shares Outstanding (Diluted)	45	45	45	45	41
Shares Change (YoY)	0.14%	0.13%	0.03%	10.47%	2.59%
EPS (Basic)	0.21	0.16	0.15	0.13	0.10
EPS (Diluted)	0.21	0.16	0.15	0.13	0.10
EPS Growth	31.87%	9.59%	10.99%	34.35%	-4.47%
Free Cash Flow	-18.79	-15.67	-14.87	-18.17	-3.47
Free Cash Flow Per Share	-0.41	-0.34	-0.33	-0.40	-0.08
Dividend Per Share	-	0.009	0.009	-	0.055
Dividend Growth	-	4.54%	-	-	-
Operating Margin	28.04%	24.84%	26.61%	29.09%	26.94%
Profit Margin	21.72%	19.70%	21.27%	23.90%	21.66%
Free Cash Flow Margin	-42.44%	-42.42%	-47.74%	-72.84%	-18.69%
Effective Tax Rate	22.54%	20.69%	20.04%	17.86%	19.60%