Singapura Finance Ltd (SGX:S23)

Singapura Finance Income Statement

Financials in millions SGD. 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	53.97	48.15	34.08	29.62	31.44
Total Interest Expense	31.22	26.69	8.15	5.43	13.49
Net Interest Income	22.75	21.46	25.93	24.2	17.94
Commissions and Fees	0.54	0.48	0.3	0.37	0.5
Revenue Before Loan Losses	23.29	21.94	26.23	24.57	18.45
Provision for Loan Losses	0.49	0.05	1.42	1.18	2.32
Revenue	22.8	21.89	24.81	23.39	16.13
Revenue Growth (YoY)	4.16%	-11.79%	6.10%	44.99%	-26.82%
Salaries & Employee Benefits	9.35	8.33	9.11	8.02	7.88
Other Operating Expenses	4.69	4.64	4.23	3.19	2.73
Total Operating Expenses	15.46	14.37	14.67	12.41	11.77
Operating Income	7.34	7.52	10.14	10.98	4.36
EBT Excluding Unusual Items	7.34	7.52	10.14	10.98	4.36
Other Unusual Items	-	-	-	0.55	1.26
Pretax Income	7.34	7.52	10.13	11.53	5.62
Income Tax Expense	1.24	1.37	1.79	1.92	0.85
Net Income	6.09	6.16	8.34	9.62	4.77
Net Income to Common	6.09	6.16	8.34	9.62	4.77
Net Income Growth	-1.01%	-26.22%	-13.25%	101.80%	-36.29%
Shares Outstanding (Basic)	159	159	159	159	159
Shares Outstanding (Diluted)	159	159	159	159	159
EPS (Basic)	0.04	0.04	0.05	0.06	0.03
EPS (Diluted)	0.04	0.04	0.05	0.06	0.03
EPS Growth	-1.02%	-26.22%	-13.23%	102.00%	-36.30%
Free Cash Flow	2.36	16.57	50.95	-3.97	-89.13
Free Cash Flow Per Share	0.01	0.10	0.32	-0.03	-0.56
Dividend Per Share	0.020	0.020	0.020	0.020	0.015
Dividend Growth	-	-	-	33.33%	-25.00%
Operating Margin	32.18%	34.36%	40.86%	46.95%	27.04%
Profit Margin	26.73%	28.13%	33.63%	41.13%	29.55%
Free Cash Flow Margin	10.34%	75.69%	205.36%	-16.98%	-552.63%
Effective Tax Rate	16.94%	18.15%	17.62%	16.61%	15.20%

Updated Feb 21, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.