ISP Finance Services Limited (JMSE:ISP)
Jamaica
· Delayed Price · Currency is JMD 17.00
0.00 (0.00%)
At close: Dec 4, 2025
ISP Finance Services Income Statement
Financials in millions JMD. Fiscal year is January - December.
Millions JMD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
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 | 2019 - 2015 |
| Interest and Dividend Income | 402.05 | 517.57 | 519.25 | 432.46 | 434.11 | 372.68 | Upgrade
|
| Total Interest Expense | 58.59 | 67.56 | 67.31 | 40.35 | 32.23 | 31.92 | Upgrade
|
| Net Interest Income | 343.46 | 450 | 451.93 | 392.11 | 401.88 | 340.76 | Upgrade
|
| Revenue Before Loan Losses | 343.46 | 450 | 451.93 | 392.11 | 401.88 | 340.76 | Upgrade
|
| Provision for Loan Losses | 144.08 | 180 | 128.8 | 93 | 115.92 | 66.23 | Upgrade
|
| Revenue | 199.38 | 270 | 323.13 | 299.11 | 285.96 | 274.53 | Upgrade
|
| Revenue Growth (YoY) | -37.36% | -16.44% | 8.03% | 4.60% | 4.16% | 13.51% | Upgrade
|
| Salaries & Employee Benefits | 90.72 | 89.56 | 103.66 | 112.8 | 97.84 | 99.33 | Upgrade
|
| Cost of Services Provided | 20.95 | 24.99 | 37.21 | 37.05 | 37.49 | 27.1 | Upgrade
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| Other Operating Expenses | 37.39 | 75.91 | 96.6 | 73.68 | 82.27 | 76.6 | Upgrade
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| Total Operating Expenses | 159.94 | 200.18 | 246.82 | 234.13 | 225.31 | 208.34 | Upgrade
|
| Operating Income | 39.45 | 69.82 | 76.31 | 64.99 | 60.65 | 66.19 | Upgrade
|
| Currency Exchange Gain (Loss) | -0.22 | -0.55 | -0.46 | 0.03 | -0.57 | -0.07 | Upgrade
|
| EBT Excluding Unusual Items | 39.23 | 69.27 | 75.85 | 65.02 | 60.08 | 66.11 | Upgrade
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| Pretax Income | 39.23 | 69.27 | 75.85 | 65.02 | 59.94 | 66.11 | Upgrade
|
| Income Tax Expense | 8.54 | 13.55 | 9.23 | 7.78 | 5.53 | 0.72 | Upgrade
|
| Net Income | 30.69 | 55.72 | 66.62 | 57.24 | 54.41 | 65.39 | Upgrade
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| Net Income to Common | 30.69 | 55.72 | 66.62 | 57.24 | 54.41 | 65.39 | Upgrade
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| Net Income Growth | -65.29% | -16.36% | 16.40% | 5.19% | -16.80% | 185.03% | Upgrade
|
| Shares Outstanding (Basic) | 105 | 105 | 105 | 105 | 105 | 105 | Upgrade
|
| Shares Outstanding (Diluted) | 105 | 105 | 105 | 105 | 105 | 105 | Upgrade
|
| EPS (Basic) | 0.29 | 0.53 | 0.63 | 0.55 | 0.52 | 0.62 | Upgrade
|
| EPS (Diluted) | 0.29 | 0.53 | 0.63 | 0.55 | 0.52 | 0.62 | Upgrade
|
| EPS Growth | -65.29% | -16.36% | 16.40% | 5.19% | -16.80% | 185.03% | Upgrade
|
| Free Cash Flow | -25.51 | 22.44 | -183.83 | 4.92 | 35.78 | 0.27 | Upgrade
|
| Free Cash Flow Per Share | -0.24 | 0.21 | -1.75 | 0.05 | 0.34 | 0.00 | Upgrade
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| Operating Margin | 19.79% | 25.86% | 23.62% | 21.73% | 21.21% | 24.11% | Upgrade
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| Profit Margin | 15.39% | 20.64% | 20.62% | 19.13% | 19.03% | 23.82% | Upgrade
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| Free Cash Flow Margin | -12.79% | 8.31% | -56.89% | 1.65% | 12.51% | 0.10% | Upgrade
|
| Effective Tax Rate | 21.77% | 19.56% | 12.17% | 11.97% | 9.23% | 1.09% | Upgrade
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Source: S&P Capital IQ. Financial Services template. Financial Sources.