Creditwest Faktoring AS
IST:CRDFA.E
Income Statement
Earnings Waterfall
Creditwest Faktoring AS
Income Statement
Creditwest Faktoring AS
| Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||
| Interest Expense |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
3
|
5
|
0
|
0
|
|
| Revenue |
60
N/A
|
61
+2%
|
72
+17%
|
83
+15%
|
97
+17%
|
105
+9%
|
116
+11%
|
138
+19%
|
159
+15%
|
185
+16%
|
210
+14%
|
250
+19%
|
310
+24%
|
386
+24%
|
483
+25%
|
560
+16%
|
637
+14%
|
737
+16%
|
842
+14%
|
953
+13%
|
|
| Gross Profit | |||||||||||||||||||||
| Cost of Revenue |
(34)
|
(36)
|
(45)
|
(53)
|
(60)
|
(63)
|
(66)
|
(77)
|
(88)
|
(103)
|
(119)
|
(135)
|
(164)
|
(205)
|
(259)
|
(306)
|
(346)
|
(404)
|
(479)
|
(548)
|
|
| Gross Profit |
26
N/A
|
26
-2%
|
27
+6%
|
30
+11%
|
37
+21%
|
42
+14%
|
50
+20%
|
61
+22%
|
71
+17%
|
82
+16%
|
90
+10%
|
116
+28%
|
146
+26%
|
181
+24%
|
224
+24%
|
254
+13%
|
292
+15%
|
333
+14%
|
363
+9%
|
405
+12%
|
|
| Operating Income | |||||||||||||||||||||
| Operating Expenses |
(18)
|
(18)
|
(23)
|
(21)
|
(21)
|
(19)
|
(19)
|
(25)
|
(29)
|
(35)
|
(40)
|
(47)
|
(53)
|
(69)
|
(79)
|
(89)
|
(124)
|
(139)
|
(151)
|
(180)
|
|
| Selling, General & Administrative |
(10)
|
(10)
|
(11)
|
(13)
|
(14)
|
(18)
|
(21)
|
(25)
|
(27)
|
(33)
|
(38)
|
(44)
|
(48)
|
(61)
|
(71)
|
(86)
|
(100)
|
(116)
|
(132)
|
(147)
|
|
| Depreciation & Amortization |
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
0
|
(1)
|
(1)
|
(2)
|
(2)
|
(3)
|
(4)
|
(4)
|
(5)
|
(9)
|
(11)
|
(11)
|
(13)
|
|
| Other Operating Expenses |
(6)
|
(7)
|
(11)
|
(8)
|
(6)
|
(0)
|
3
|
1
|
(2)
|
(0)
|
(1)
|
(1)
|
(2)
|
(5)
|
(3)
|
2
|
(16)
|
(12)
|
(8)
|
(20)
|
|
| Operating Income |
9
N/A
|
8
-10%
|
5
-43%
|
9
+94%
|
16
+76%
|
23
+45%
|
31
+36%
|
36
+17%
|
41
+15%
|
47
+13%
|
50
+6%
|
69
+38%
|
92
+34%
|
112
+21%
|
145
+30%
|
164
+13%
|
167
+2%
|
194
+16%
|
212
+9%
|
225
+7%
|
|
| Pre-Tax Income | |||||||||||||||||||||
| Interest Income Expense |
9
|
10
|
10
|
11
|
3
|
3
|
2
|
(1)
|
4
|
6
|
9
|
17
|
8
|
13
|
17
|
18
|
11
|
35
|
80
|
187
|
|
| Non-Reccuring Items |
(0)
|
(0)
|
(0)
|
(2)
|
(1)
|
(5)
|
(6)
|
(4)
|
(4)
|
(2)
|
(2)
|
(3)
|
(4)
|
(5)
|
(5)
|
(6)
|
(7)
|
(8)
|
(8)
|
(7)
|
|
| Pre-Tax Income |
18
N/A
|
17
0%
|
15
-16%
|
17
+19%
|
18
+1%
|
20
+16%
|
28
+35%
|
31
+14%
|
41
+31%
|
51
+23%
|
57
+13%
|
82
+44%
|
96
+16%
|
120
+25%
|
157
+31%
|
175
+12%
|
171
-2%
|
221
+29%
|
284
+28%
|
406
+43%
|
|
| Net Income | |||||||||||||||||||||
| Tax Provision |
(2)
|
(2)
|
(1)
|
(2)
|
(4)
|
(5)
|
(7)
|
(9)
|
(11)
|
(13)
|
(15)
|
(23)
|
(29)
|
(36)
|
(47)
|
(51)
|
(52)
|
(60)
|
(66)
|
(72)
|
|
| Income from Continuing Operations |
15
|
16
|
13
|
15
|
14
|
15
|
20
|
23
|
30
|
38
|
43
|
59
|
66
|
84
|
110
|
125
|
119
|
161
|
218
|
334
|
|
| Net Income (Common) |
15
N/A
|
16
+1%
|
13
-15%
|
15
+16%
|
14
-12%
|
15
+12%
|
20
+35%
|
23
+11%
|
30
+34%
|
38
+25%
|
43
+13%
|
59
+40%
|
66
+11%
|
84
+27%
|
110
+31%
|
125
+13%
|
119
-4%
|
161
+35%
|
218
+35%
|
334
+53%
|
|
| EPS (Diluted) |
0.15
N/A
|
0.2
+33%
|
0.13
-35%
|
0.15
+15%
|
0.14
-7%
|
0.15
+7%
|
0.2
+33%
|
0.23
+15%
|
0.35
+52%
|
0.37
+6%
|
0.42
+14%
|
0.59
+40%
|
0.66
+12%
|
0.84
+27%
|
1.1
+31%
|
1.25
+14%
|
1.19
-5%
|
1.61
+35%
|
2.18
+35%
|
3.34
+53%
|
|