GHI Income Statement

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

Millions USD. 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	91.42	90.49	100.02	73.22	59.39	48.52
Total Interest Expense	57.34	60.03	69.07	43.56	21.94	21.22
Net Interest Income	34.08	30.45	30.96	29.66	37.45	27.31
Other Revenue	1.56	0.79	4.88	7.86	9.06	7.01
Revenue Before Loan Losses	35.64	31.24	35.83	37.51	46.51	34.31
Provision for Loan Losses	9.39	-1.04	-2.35	-	2.3	8.23
Revenue	26.25	32.28	38.18	37.51	44.21	26.08
Revenue Growth (YoY)	-23.49%	-15.47%	1.78%	-15.14%	69.49%	-30.63%
Salaries & Employee Benefits	1.92	1.89	2.01	1.53	1.28	1.02
Cost of Services Provided	16.93	17.76	21.05	20.65	17.54	16.36
Total Operating Expenses	18.86	19.68	24.6	24.9	21.55	20.18
Operating Income	7.38	12.6	13.58	12.61	22.66	5.9
Earnings From Equity Investments	-4.39	-2.14	-0.02	-	-	-
EBT Excluding Unusual Items	6.92	18.95	20.93	25.71	22.66	5.9
Gain (Loss) on Sale of Investments	1.47	2.34	22.73	39.81	15.52	1.42
Pretax Income	8.38	21.36	54.02	65.51	38.16	7.29
Income Tax Expense	0.03	0.03	0.01	-0.05	0.06	0.08
Earnings From Continuing Ops.	8.36	21.32	54.01	65.56	38.1	7.21
Net Income to Company	8.36	21.32	54.01	65.56	38.1	7.21
Minority Interest in Earnings	-0.43	-0.48	-3.59	-3.47	-2.83	0.03
Net Income	7.92	20.84	50.42	62.09	35.27	7.24
Preferred Dividends & Other Adjustments	3.89	3.26	3.21	3.15	3.01	2.94
Net Income to Common	4.04	17.59	47.21	58.95	32.26	4.3
Net Income Growth	-54.02%	-58.66%	-18.79%	76.05%	387.04%	-74.49%
Shares Outstanding (Basic)	23	23	23	23	21	21
Shares Outstanding (Diluted)	23	23	23	23	21	21
Shares Change (YoY)	0.56%	0.62%	0.26%	6.61%	2.25%	0.09%
EPS (Basic)	0.17	0.76	2.06	2.58	1.50	0.21
EPS (Diluted)	0.17	0.76	2.06	2.58	1.50	0.20
EPS Growth	-72.49%	-63.09%	-20.12%	71.40%	643.68%	-83.33%
Free Cash Flow	33.55	17.99	24.14	19.32	33.78	15.42
Free Cash Flow Per Share	1.45	0.78	1.05	0.84	1.57	0.73
Dividend Per Share	1.340	1.478	1.466	1.287	1.208	0.881
Dividend Growth	-9.49%	0.85%	13.87%	6.50%	37.15%	-39.00%
Operating Margin	28.13%	39.04%	35.57%	33.62%	51.25%	22.61%
Profit Margin	15.38%	54.49%	123.65%	157.13%	72.97%	16.50%
Free Cash Flow Margin	127.81%	55.75%	63.22%	51.50%	76.42%	59.14%
Effective Tax Rate	0.34%	0.15%	0.02%	-	0.17%	1.10%
Revenue as Reported	92.98	91.27	104.9	81.07	68.45	55.53

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

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