ISP Finance Services Limited (JMSE:ISP)
Jamaica
· Delayed Price · Currency is JMD 10.80
+0.17 (1.60%)
At close: Mar 6, 2026
ISP Finance Services Income Statement
Financials in millions JMD. Fiscal year is January - December.
Millions JMD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest and Dividend Income | 376.48 | 517.57 | 519.25 | 432.46 | 434.11 | Upgrade
|
| Total Interest Expense | 50.17 | 67.56 | 67.31 | 40.35 | 32.23 | Upgrade
|
| Net Interest Income | 326.31 | 450 | 451.93 | 392.11 | 401.88 | Upgrade
|
| Revenue Before Loan Losses | 326.31 | 450 | 451.93 | 392.11 | 401.88 | Upgrade
|
| Provision for Loan Losses | 111.2 | 180 | 128.8 | 93 | 115.92 | Upgrade
|
| Revenue | 215.11 | 270 | 323.13 | 299.11 | 285.96 | Upgrade
|
| Revenue Growth (YoY) | -20.33% | -16.44% | 8.03% | 4.60% | 4.16% | Upgrade
|
| Salaries & Employee Benefits | 95.75 | 89.56 | 103.66 | 112.8 | 97.84 | Upgrade
|
| Cost of Services Provided | 11.84 | 24.99 | 37.21 | 37.05 | 37.49 | Upgrade
|
| Other Operating Expenses | 53.29 | 75.91 | 96.6 | 73.68 | 82.27 | Upgrade
|
| Total Operating Expenses | 168.49 | 200.18 | 246.82 | 234.13 | 225.31 | Upgrade
|
| Operating Income | 46.62 | 69.82 | 76.31 | 64.99 | 60.65 | Upgrade
|
| Currency Exchange Gain (Loss) | -0.79 | -0.55 | -0.46 | 0.03 | -0.57 | Upgrade
|
| EBT Excluding Unusual Items | 45.84 | 69.27 | 75.85 | 65.02 | 60.08 | Upgrade
|
| Pretax Income | 45.84 | 69.27 | 75.85 | 65.02 | 59.94 | Upgrade
|
| Income Tax Expense | 7.18 | 13.55 | 9.23 | 7.78 | 5.53 | Upgrade
|
| Net Income | 38.66 | 55.72 | 66.62 | 57.24 | 54.41 | Upgrade
|
| Net Income to Common | 38.66 | 55.72 | 66.62 | 57.24 | 54.41 | Upgrade
|
| Net Income Growth | -30.62% | -16.36% | 16.40% | 5.19% | -16.80% | Upgrade
|
| Shares Outstanding (Basic) | 105 | 105 | 105 | 105 | 105 | Upgrade
|
| Shares Outstanding (Diluted) | 105 | 105 | 105 | 105 | 105 | Upgrade
|
| EPS (Basic) | 0.37 | 0.53 | 0.63 | 0.55 | 0.52 | Upgrade
|
| EPS (Diluted) | 0.37 | 0.53 | 0.63 | 0.55 | 0.52 | Upgrade
|
| EPS Growth | -30.62% | -16.36% | 16.40% | 5.19% | -16.80% | Upgrade
|
| Free Cash Flow | 11.72 | 22.44 | -183.83 | 4.92 | 35.78 | Upgrade
|
| Free Cash Flow Per Share | 0.11 | 0.21 | -1.75 | 0.05 | 0.34 | Upgrade
|
| Operating Margin | 21.67% | 25.86% | 23.62% | 21.73% | 21.21% | Upgrade
|
| Profit Margin | 17.97% | 20.64% | 20.62% | 19.13% | 19.03% | Upgrade
|
| Free Cash Flow Margin | 5.45% | 8.31% | -56.89% | 1.65% | 12.51% | Upgrade
|
| Effective Tax Rate | 15.66% | 19.56% | 12.17% | 11.97% | 9.23% | Upgrade
|
Source: S&P Capital IQ. Financial Services template. Financial Sources.