Financiera Credinka S.A. (BVL:FCREDIC1)

Financiera Credinka Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	108.26	126.96	130.04	173.53	188.85
Total Interest Expense	44.9	39.59	43.48	50.27	51.01
Net Interest Income	63.36	87.37	86.56	123.26	137.84
Commissions and Fees	2.6	6.27	6.82	7.01	6.82
Gain (Loss) on Sale of Investments	0.56	0.71	0.26	-	1.1
Revenue Before Loan Losses	66.52	94.35	93.64	130.27	145.75
Provision for Loan Losses	37.65	45.77	68.74	38.1	37.91
Revenue	28.87	48.59	24.9	92.17	107.85
Revenue Growth (YoY)	-40.57%	95.14%	-72.99%	-14.53%	4.88%
Cost of Services Provided	77.23	85.6	82.76	82.05	97
Other Operating Expenses	4.39	7.82	2.87	0.96	0.93
Total Operating Expenses	85.39	96.66	89.15	88.54	103.32
Operating Income	-56.52	-48.08	-64.25	3.63	4.53
Currency Exchange Gain (Loss)	0.41	0.21	0.21	0.29	0.36
EBT Excluding Unusual Items	-55.35	-43.84	-62.44	5.93	4.59
Other Unusual Items	-2.4	-7.5	-8.6	-4.34	-
Pretax Income	-55.23	-50.57	-71.03	1.62	1.03
Income Tax Expense	-16.52	-14.59	-20.17	1.61	0.98
Net Income	-38.71	-35.98	-50.86	0.01	0.05
Net Income to Common	-38.71	-35.98	-50.86	0.01	0.05
Net Income Growth	-	-	-	-90.74%	-
Shares Outstanding (Basic)	164	159	157	157	154
Shares Outstanding (Diluted)	164	159	157	157	154
Shares Change (YoY)	3.31%	0.88%	-	2.50%	2.65%
EPS (Basic)	-0.24	-0.23	-0.32	0.00	0.00
EPS (Diluted)	-0.24	-0.23	-0.32	0.00	0.00
EPS Growth	-	-	-	-91.17%	-
Free Cash Flow	13.07	-20.11	-20.02	62.25	36.85
Free Cash Flow Per Share	0.08	-0.13	-0.13	0.40	0.24
Operating Margin	-195.75%	-98.96%	-258.05%	3.94%	4.20%
Profit Margin	-134.07%	-74.05%	-204.27%	0.01%	0.05%
Free Cash Flow Margin	45.27%	-41.38%	-80.40%	67.54%	34.17%
Effective Tax Rate	-	-	-	99.69%	94.77%

Updated Jul 24, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.