Fintech Income Statement

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

Millions PLN. 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
Revenue	6.3	14.01	43.25	11.59	1.38	1.59
Revenue Growth (YoY)	-77.00%	-67.60%	273.12%	741.51%	-13.63%	-13.45%
Cost of Revenue	3.14	3.05	24.28	10.2	0.38	1.23
Gross Profit	3.16	10.97	18.97	1.39	1	0.37
Selling, General & Admin	3.39	8.19	13.51	0.74	1.03	0.57
Other Operating Expenses	0.43	0.87	0.11	-0.02	0.31	-0.03
Operating Expenses	3.85	10.44	14.14	0.77	1.44	0.63
Operating Income	-0.69	0.53	4.83	0.62	-0.44	-0.26
Interest Expense	-0.31	-0.34	-0.1	-0.02	-0	-0
Interest & Investment Income	0	-	0.01	0.01	0	0.01
Other Non Operating Income (Expenses)	-0	-0	0.02	0.02	0.02	-
EBT Excluding Unusual Items	-1.01	0.19	4.77	0.62	-0.43	-0.25
Gain (Loss) on Sale of Assets	-	-	-	-0.02	0.01	-
Asset Writedown	-0.03	-0.03	-0.07	-	-	-
Pretax Income	-1.03	0.16	4.7	0.6	-0.42	-0.25
Income Tax Expense	0.05	0.1	0.93	0	-	-
Net Income	-1.08	0.06	3.77	0.6	-0.42	-0.25
Net Income to Common	-1.08	0.06	3.77	0.6	-0.42	-0.25
Net Income Growth	-	-98.39%	529.46%	-	-	-
Shares Outstanding (Basic)	73	73	73	74	74	73
Shares Outstanding (Diluted)	73	73	73	74	74	73
Shares Change (YoY)	-	-	-1.12%	0.05%	1.08%	-
EPS (Basic)	-0.01	0.00	0.05	0.01	-0.01	-0.00
EPS (Diluted)	-0.01	0.00	0.05	0.01	-0.01	-0.00
EPS Growth	-	-98.39%	536.59%	-	-	-
Free Cash Flow	2.8	-1.76	-1.91	-2.81	0.13	-0.28
Free Cash Flow Per Share	0.04	-0.02	-0.03	-0.04	0.00	-0.00
Gross Margin	50.14%	78.26%	43.86%	12.00%	72.47%	23.14%
Operating Margin	-11.02%	3.76%	11.18%	5.36%	-32.13%	-16.06%
Profit Margin	-17.18%	0.43%	8.71%	5.16%	-30.55%	-15.67%
Free Cash Flow Margin	44.49%	-12.58%	-4.42%	-24.24%	9.24%	-17.37%
EBITDA	-0.66	1.91	5.36	0.67	-0.33	-0.18
EBITDA Margin	-10.56%	13.60%	12.38%	5.81%	-24.14%	-11.04%
D&A For EBITDA	0.03	1.38	0.52	0.05	0.11	0.08
EBIT	-0.69	0.53	4.83	0.62	-0.44	-0.26
EBIT Margin	-11.02%	3.76%	11.18%	5.36%	-32.13%	-16.06%
Effective Tax Rate	-	62.61%	19.79%	0.29%	-	-
Revenue as Reported	6.3	14.01	43.25	11.59	1.38	1.59

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.