Inv. Banks / Inv. Cos. / Securities Cos.
FCIBL First Credit and Investment Bank Limited
Latest results: FY2026 · Jun 2026
Last close · 16 Oct 2026
Rs 65.02 +10.00%
Annual · FY2007 – FY2026
First Credit and Investment Bank Limited (FCIBL) income statement
First Credit and Investment Bank Limited reported revenue of Rs 257.0 mn for FY2026 (Jul 2025 – Jun 2026), down 57.3% on FY2025. Finance cost was Rs 95.1 mn, down 79.3% on FY2025. Tax of Rs 11.5 mn took 14.9% of pre-tax profit. Profit attributable to shareholders was Rs 66.0 mn, up 17.3% on FY2025, or Rs 1.02 per share.
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 Jul 2022 – Jun 2023 | FY2022 Jul 2021 – Jun 2022 | FY2021 Jul 2020 – Jun 2021 | FY2020 * Jul 2019 – Jun 2020 | FY2019 Jul 2018 – Jun 2019 | FY2018 Jul 2017 – Jun 2018 | FY2017 Jul 2016 – Jun 2017 | FY2016 Jul 2015 – Jun 2016 | FY2015 Jul 2014 – Jun 2015 | FY2014 Jul 2013 – Jun 2014 | FY2013 Jul 2012 – Jun 2013 | FY2012 * Jul 2011 – Jun 2012 | FY2011 * Jul 2010 – Jun 2011 | FY2010 * Jul 2009 – Jun 2010 | FY2009 * Jul 2008 – Jun 2009 | FY2008 Jul 2007 – Jun 2008 | FY2007 Jul 2006 – Jun 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 257.0 | 601.8 | 448.7 | 279.2 | 133.9 | 144.8 | 154.6 | 116.8 | 102.6 | 79.9 | 99.0 | 81.2 | 60.5 | 92.6 | 139.2 | 137.8 | 164.3 | 352.0 | 264.0 | 523.9 |
| Operating expenses | (97.2) | (99.1) | (104.1) | (84.0) | (68.0) | (63.5) | (62.6) | (45.6) | (41.5) | (46.8) | (41.7) | (36.3) | (44.4) | (59.5) | (92.7) | (171.3) | (99.6) | (73.0) | (61.1) | (41.2) |
| Finance cost | (95.1) | (460.2) | (327.6) | (190.9) | (66.7) | (64.1) | (57.4) | (52.0) | (44.7) | (25.6) | (2.8) | (9.1) | (10.4) | (30.5) | (51.9) | — | (31.5) | (174.9) | (159.1) | (141.3) |
| Profit before tax | 77.6 | 62.3 | 41.7 | 29.8 | 13.3 | 28.8 | 37.8 | 15.2 | 15.8 | 11.7 | 65.2 | 28.7 | 4.0 | (14.4) | (85.1) | (177.9) | 5.0 | 41.0 | 38.7 | 79.1 |
| Taxation | (11.5) | (6.1) | (10.0) | (16.8) | (5.1) | (8.3) | (9.1) | (5.7) | (6.6) | (4.6) | (21.3) | (5.6) | (2.6) | 8.1 | 13.9 | 48.0 | 2.9 | (8.4) | (13.8) | 0.0 |
| Profit after tax | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 | 43.9 | 23.0 | 1.4 | (6.3) | (71.2) | (129.9) | 7.9 | 32.6 | 24.9 | 79.1 |
| Profit attributable to shareholders | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 | 43.9 | 23.0 | 1.4 | (6.3) | (71.2) | (129.9) | 7.9 | 32.6 | 24.9 | 79.1 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 | 0.67 | 0.35 | 0.02 | (0.10) | (1.10) | (1.99) | 0.12 | 0.52 | 0.62 | 1.98 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 Jul 2022 – Jun 2023 | FY2022 Jul 2021 – Jun 2022 | FY2021 Jul 2020 – Jun 2021 | FY2020 * Jul 2019 – Jun 2020 | FY2019 Jul 2018 – Jun 2019 | FY2018 Jul 2017 – Jun 2018 | FY2017 Jul 2016 – Jun 2017 | FY2016 Jul 2015 – Jun 2016 | FY2015 Jul 2014 – Jun 2015 | FY2014 Jul 2013 – Jun 2014 | FY2013 Jul 2012 – Jun 2013 | FY2012 * Jul 2011 – Jun 2012 | FY2011 * Jul 2010 – Jun 2011 | FY2010 * Jul 2009 – Jun 2010 | FY2009 * Jul 2008 – Jun 2009 | FY2008 Jul 2007 – Jun 2008 | FY2007 Jul 2006 – Jun 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | -57.3% | +34.1% | +60.7% | +108.6% | -7.5% | -6.4% | +32.4% | +13.8% | +28.4% | -19.3% | +21.9% | +34.4% | -34.7% | -33.5% | +1.0% | -16.1% | -53.3% | +33.3% | -49.6% | — |
| Operating expenses | -1.9% | -4.9% | +23.9% | +23.6% | +7.1% | +1.5% | +37.1% | +10.0% | -11.3% | +12.1% | +14.8% | -18.2% | -25.2% | -35.9% | -45.9% | +71.9% | +36.5% | +19.5% | +48.4% | — |
| Finance cost | -79.3% | +40.5% | +71.6% | +186.1% | +4.1% | +11.6% | +10.5% | +16.2% | +74.6% | +817.6% | -69.4% | -12.8% | -65.8% | -41.2% | — | — | -82.0% | +10.0% | +12.6% | — |
| Profit before tax | +24.4% | +49.4% | +39.9% | +124.1% | -53.9% | -23.7% | +148.7% | -3.8% | +34.8% | -82.0% | +127.5% | +612.6% | — | — | — | -3,647.0% | -87.8% | +5.8% | -51.1% | — |
| Taxation | +90.3% | -39.6% | -40.4% | +228.7% | -38.4% | -8.7% | +60.2% | -14.0% | +44.1% | -78.5% | +277.8% | +114.9% | — | — | — | — | -134.1% | -39.3% | — | — |
| Profit after tax | +17.3% | +77.5% | +143.9% | +58.7% | -60.1% | -28.5% | +201.6% | +3.6% | +28.8% | -83.7% | +90.6% | +1,550.9% | — | — | — | -1,750.1% | -75.8% | +30.8% | -68.5% | — |
| Profit attributable to shareholders | +17.3% | +77.5% | +143.9% | +58.7% | -60.1% | -28.5% | +201.6% | +3.6% | +28.8% | -83.7% | +90.6% | +1,550.9% | — | — | — | -1,750.1% | -75.8% | +30.8% | -68.5% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +17.3% | +77.5% | +143.9% | +58.7% | -60.1% | -28.5% | +201.6% | +3.6% | +28.9% | -83.7% | +92.8% | +1,650.0% | — | — | — | -1,746.5% | -76.9% | -15.9% | -68.5% | — |
| Dividend per share (Rs) | — | — | — | — | — | — | -100.0% | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 Jul 2022 – Jun 2023 | FY2022 Jul 2021 – Jun 2022 | FY2021 Jul 2020 – Jun 2021 | FY2020 * Jul 2019 – Jun 2020 | FY2019 Jul 2018 – Jun 2019 | FY2018 Jul 2017 – Jun 2018 | FY2017 Jul 2016 – Jun 2017 | FY2016 Jul 2015 – Jun 2016 | FY2015 Jul 2014 – Jun 2015 | FY2014 Jul 2013 – Jun 2014 | FY2013 Jul 2012 – Jun 2013 | FY2012 * Jul 2011 – Jun 2012 | FY2011 * Jul 2010 – Jun 2011 | FY2010 * Jul 2009 – Jun 2010 | FY2009 * Jul 2008 – Jun 2009 | FY2008 Jul 2007 – Jun 2008 | FY2007 Jul 2006 – Jun 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (37.8%) | (16.5%) | (23.2%) | (30.1%) | (50.8%) | (43.9%) | (40.5%) | (39.1%) | (40.4%) | (58.5%) | (42.1%) | (44.7%) | (73.5%) | (64.2%) | (66.6%) | (124.3%) | (60.6%) | (20.7%) | (23.1%) | (7.9%) |
| Finance cost | (37.0%) | (76.5%) | (73.0%) | (68.4%) | (49.9%) | (44.3%) | (37.1%) | (44.5%) | (43.6%) | (32.0%) | (2.8%) | (11.2%) | (17.3%) | (33.0%) | (37.3%) | — | (19.2%) | (49.7%) | (60.3%) | (27.0%) |
| Profit before tax | 30.2% | 10.4% | 9.3% | 10.7% | 9.9% | 19.9% | 24.4% | 13.0% | 15.4% | 14.7% | 65.8% | 35.3% | 6.7% | (15.5%) | (61.1%) | (129.1%) | 3.1% | 11.6% | 14.7% | 15.1% |
| Taxation | (4.5%) | (1.0%) | (2.2%) | (6.0%) | (3.8%) | (5.7%) | (5.9%) | (4.9%) | (6.4%) | (5.7%) | (21.6%) | (7.0%) | (4.3%) | 8.7% | 10.0% | 34.8% | 1.7% | (2.4%) | (5.2%) | 0.0% |
| Profit after tax | 25.7% | 9.4% | 7.1% | 4.7% | 6.1% | 14.2% | 18.6% | 8.1% | 9.0% | 8.9% | 44.3% | 28.3% | 2.3% | (6.8%) | (51.1%) | (94.3%) | 4.8% | 9.3% | 9.4% | 15.1% |
| Profit attributable to shareholders | 25.7% | 9.4% | 7.1% | 4.7% | 6.1% | 14.2% | 18.6% | 8.1% | 9.0% | 8.9% | 44.3% | 28.3% | 2.3% | (6.8%) | (51.1%) | (94.3%) | 4.8% | 9.3% | 9.4% | 15.1% |
Each line as a percentage of revenue.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 101
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 Jul 2022 – Jun 2023 | FY2022 Jul 2021 – Jun 2022 | FY2021 Jul 2020 – Jun 2021 | FY2020 Jul 2019 – Jun 2020 | FY2019 Jul 2018 – Jun 2019 | FY2018 Jul 2017 – Jun 2018 | FY2017 Jul 2016 – Jun 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income - Finance - Total | 226.1 | 583.8 | 434.4 | 277.0 | 137.1 | 135.6 | 161.2 | 111.1 | 97.2 | 78.0 |
| Interest Income - Loans/Deposits | 56.6 | 53.7 | 87.4 | 84.6 | 55.0 | 60.9 | 113.9 | 105.4 | 89.7 | 66.9 |
| Interest & Dividend Income - Investment Securities - Finance | 169.5 | 530.1 | 347.0 | 192.4 | 82.1 | 74.7 | 47.3 | 5.6 | 7.4 | 11.1 |
| Net Commission & Fees Income/Expense - Business Revenue | 21.1 | 17.9 | 10.4 | 2.2 | 1.7 | 3.3 | 0.3 | 5.3 | 3.6 | 0.6 |
| Fees & Commissions Income | 21.1 | 17.9 | 10.4 | 2.2 | 1.7 | 3.3 | 0.3 | 5.3 | 3.6 | 0.6 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 169.5 | 530.1 | 347.0 | 192.4 | 82.1 | 74.7 | 47.3 | 5.6 | 7.4 | 11.1 |
| Investments & Loans - Business - Gain/(Loss) | 9.8 | 0.0 | 3.9 | 0.0 | (4.8) | 5.5 | (7.4) | — | — | — |
| Capital Gains/(Losses) - Unrealized - Total | 9.8 | 0.0 | 3.9 | 0.0 | (4.8) | 5.5 | (7.4) | — | — | — |
| Revenue from Business-Related Activities - Other - Total | — | — | — | 0.0 | 0.0 | 0.4 | 0.5 | 0.5 | 1.9 | 1.4 |
| Revenue from Business Activities - Total | 257.0 | 601.8 | 448.7 | 279.2 | 133.9 | 144.8 | 154.6 | 116.8 | 102.6 | 79.9 |
| Selling, General & Administrative Expenses - Total | 97.2 | 99.1 | 104.1 | 84.0 | 68.0 | 63.5 | 62.6 | 45.6 | 41.5 | 46.8 |
| Selling, General & Administrative Expenses - Unclassified | 92.8 | 87.8 | 86.0 | 78.1 | 59.0 | 51.3 | 58.8 | 43.1 | 41.2 | 46.6 |
| Depreciation in Selling, General & Administrative Expenses | 11.7 | 10.4 | 9.6 | 7.1 | 7.8 | 7.6 | 2.1 | 1.8 | — | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.3 | 0.4 | 1.3 | 1.2 | 1.4 | 4.0 | 0.8 | 0.0 | — | — |
| Other Operating Expense/(Income) - Net | — | (0.0) | — | — | — | — | — | — | — | 0.0 |
| Operating Expenses - Total | 97.2 | 99.1 | 104.1 | 84.0 | 68.0 | 63.5 | 62.6 | 45.6 | 41.5 | 46.8 |
| Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total | 97.2 | 99.1 | 104.1 | 84.0 | 68.0 | 63.5 | 62.6 | 45.6 | 41.5 | 46.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 1.0 | 0.5 | 0.4 | 0.6 | 0.3 | 0.6 | 0.9 | 0.4 | 0.3 | 0.2 |
| Selling, General & Administrative Expenses - Other - Total | (8.7) | (0.0) | 6.9 | (3.0) | (0.5) | (0.0) | 0.0 | 0.3 | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 159.8 | 502.7 | 344.5 | 195.2 | 65.9 | 81.3 | 92.1 | 71.2 | 61.2 | 33.2 |
| Financing Income/(Expense) - Net - Total | (95.7) | (461.8) | (329.8) | (191.2) | (67.6) | (65.1) | (57.7) | (52.2) | (44.9) | (25.9) |
| Interest Expense - Net of (Interest Income) | 95.1 | 460.2 | 327.6 | 190.9 | 66.7 | 64.1 | 57.4 | 52.0 | 44.7 | 25.6 |
| Other Operating Expense | — | (0.0) | — | — | — | — | — | — | — | — |
| Interest Expense - Net of Capitalized Interest | 95.3 | 460.2 | 327.6 | 191.0 | 66.8 | 64.2 | 57.5 | 52.0 | 44.7 | 25.6 |
| Non-Interest Financial Income/(Expense) - Total | (0.6) | (1.6) | (2.2) | (0.3) | (0.8) | (1.0) | (0.2) | (0.2) | (0.2) | (0.2) |
| Non-Interest Financial Income/(Expense) - Other - Net | (0.6) | (1.6) | (2.2) | (0.3) | (0.8) | (1.0) | (0.2) | (0.2) | (0.2) | (0.2) |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.0 | 0.4 | 0.2 | 0.1 | 0.1 | 0.2 | 0.0 | — | — | — |
| Other Non-Operating Income/(Expense) - Total | (4.4) | (5.3) | (0.2) | — | — | — | — | — | 2.6 | 5.3 |
| Normalized Pre-tax Profit | 59.7 | 36.0 | 14.7 | 4.1 | (1.5) | 16.4 | 34.4 | 19.0 | 18.8 | 12.6 |
| Non-Recurring Income/Expense - Total | 17.8 | 26.3 | 27.1 | 25.8 | 14.8 | 12.4 | 3.4 | (3.8) | (3.0) | (0.9) |
| Interest Income - Non-Bank | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | — | — | — |
| Impairment - Financial Investments | (17.8) | (26.3) | (27.1) | (25.8) | (14.8) | (12.4) | (3.4) | 3.8 | 3.0 | 2.0 |
| Fair Value Adjustments - Financial Investments | — | — | — | — | — | — | — | — | 0.0 | 1.1 |
| Provision for Income Tax Expense- Unclassified | 11.5 | 6.1 | 10.0 | 16.8 | 5.1 | 8.3 | 9.1 | 5.7 | 6.6 | 4.6 |
| Income before Taxes | 77.6 | 62.3 | 41.7 | 29.8 | 13.3 | 28.8 | 37.8 | 15.2 | 15.8 | 11.7 |
| Income Taxes | 11.5 | 6.1 | 10.0 | 16.8 | 5.1 | 8.3 | 9.1 | 5.7 | 6.6 | 4.6 |
| Net Income after Tax | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Income before Discontinued Operations & Extraordinary Items | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Net Income before Minority Interest | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Net Income after Minority Interest | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Income Available to Common Shares | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Income available to Common excluding Extraordinary Items | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Shares used to calculate Basic EPS - Total mn | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.74 | 0.46 | 0.07 | (0.20) | (0.10) | 0.12 | 0.39 | 0.20 | 0.19 | 0.12 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.74 | 0.46 | 0.07 | (0.20) | (0.10) | 0.12 | 0.39 | 0.20 | 0.19 | 0.12 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Diluted Income available to Common excluding Extraordinary Items | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Shares used to calculate Diluted EPS - Total mn | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.74 | 0.46 | 0.07 | (0.20) | (0.10) | 0.12 | 0.39 | 0.20 | 0.19 | 0.12 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 66.0 | 56.3 | 31.7 | 13.0 | 8.2 | 20.5 | 28.7 | 9.5 | 9.2 | 7.1 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 | 65.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 1.02 | 0.87 | 0.49 | 0.20 | 0.13 | 0.32 | 0.44 | 0.15 | 0.14 | 0.11 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.74 | 0.46 | 0.07 | (0.20) | (0.10) | 0.12 | 0.39 | 0.20 | 0.19 | 0.12 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.27 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 159.8 | 502.7 | 344.5 | 195.2 | 65.9 | 81.3 | 92.1 | 71.2 | 61.2 | 33.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 171.9 | 513.5 | 355.4 | 203.6 | 75.1 | 92.9 | 95.0 | 73.0 | 62.8 | 34.9 |
| Depreciation & Amortization - Supplemental | 11.7 | 10.8 | 9.6 | 8.4 | 9.2 | 11.6 | 2.9 | 1.8 | — | — |
| Depreciation Expense - Total - Supplemental | 11.7 | 10.4 | 9.6 | 7.1 | 7.8 | 7.6 | 2.1 | 1.8 | — | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 5.5 | 5.5 | 5.5 | — | — | — | — | — | — | — |
| Amortization - Total - Supplemental | 0.0 | 0.4 | 0.0 | 1.2 | 1.4 | 4.0 | 0.8 | 0.0 | — | — |
| Intangible Amortization - Other - Supplemental | 0.0 | — | 0.0 | — | — | — | — | — | — | — |
| Amortization of Computer Software - Supplemental | 0.0 | — | 0.0 | — | — | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Total | 12.1 | 10.8 | 10.9 | 8.4 | 9.2 | 11.6 | 2.9 | 1.8 | 1.7 | 1.8 |
| Depreciation - Total | 11.7 | 10.4 | 9.6 | 7.1 | 7.8 | 7.6 | 2.1 | 1.8 | 1.6 | 1.6 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — | — | — | — | 0.0 | 0.1 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.3 | 0.4 | 1.3 | 1.2 | 1.4 | 4.0 | 0.8 | 0.0 | — | — |
| Normalized after Tax Profit | 48.2 | 29.9 | 4.6 | (12.8) | (6.6) | 8.1 | 25.3 | 13.3 | 12.2 | 8.0 |
| Normalized Net Income from Continuing Operations | 48.2 | 29.9 | 4.6 | (12.8) | (6.6) | 8.1 | 25.3 | 13.3 | 12.2 | 8.0 |
| Normalized Net Income - Bottom Line | 48.2 | 29.9 | 4.6 | (12.8) | (6.6) | 8.1 | 25.3 | 13.3 | 12.2 | 8.0 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 154.9 | 496.2 | 342.3 | 195.0 | 65.2 | 80.5 | 91.9 | 71.0 | 63.5 | 38.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 166.9 | 507.0 | 353.2 | 203.4 | 74.5 | 92.2 | 94.8 | 72.8 | 65.2 | 40.0 |
| Interest Expense | 95.3 | 460.2 | 327.6 | 191.0 | 66.8 | 64.2 | 57.5 | 52.0 | 44.7 | 25.6 |
| Operating Expenses | 97.2 | 99.1 | 104.1 | 84.0 | 68.0 | 63.5 | 62.6 | 45.6 | 41.5 | 46.8 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 97.2 | 99.1 | 104.1 | 84.0 | 68.0 | 63.5 | 62.6 | 45.6 | 41.5 | 46.8 |
| Income before Taxes & Provision for Loan Losses | 77.6 | 62.3 | 41.7 | 29.8 | 13.3 | 28.8 | 37.8 | 15.2 | 15.8 | 11.7 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | 147.1 | 471.7 | 280.5 | 96.2 | 49.3 | 66.2 | 72.4 | 42.1 | 35.2 | 22.7 |
| Operating Expenses excluding Non-Cash Charges - Total | 85.1 | 88.2 | 93.2 | 75.7 | 58.8 | 51.9 | 59.7 | 43.9 | 39.8 | 45.0 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 257.0 | 601.8 | 448.7 | 279.2 | 133.9 | 144.8 | 154.6 | 116.8 | 102.6 | 79.9 |
| Income from Earning Assets | 226.1 | 583.8 | 434.4 | 277.0 | 137.1 | 135.6 | 161.2 | 111.1 | 97.2 | 78.0 |
| Income Available to Common Shares before Depreciation & Amortization | 78.1 | 67.1 | 42.6 | 21.4 | 17.4 | 32.2 | 31.6 | 11.3 | 10.9 | 8.9 |
| Fixed Charges | 95.3 | 460.2 | 327.6 | 191.0 | 66.8 | 64.2 | 57.5 | 52.0 | 44.7 | 25.6 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.30× | 0.31× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.