Bank of Innovation Inc
TSE:4393
Income Statement
Earnings Waterfall
Bank of Innovation Inc
Income Statement
Bank of Innovation Inc
| Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | 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 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||
| Interest Expense |
10
|
10
|
9
|
9
|
9
|
8
|
8
|
9
|
10
|
12
|
12
|
12
|
12
|
12
|
15
|
14
|
12
|
11
|
6
|
0
|
5
|
4
|
3
|
0
|
0
|
0
|
0
|
0
|
|
| Revenue |
4 703
N/A
|
4 567
-3%
|
4 295
-6%
|
3 968
-8%
|
3 597
-9%
|
3 326
-8%
|
3 061
-8%
|
2 835
-7%
|
2 575
-9%
|
2 261
-12%
|
2 129
-6%
|
1 980
-7%
|
2 112
+7%
|
2 258
+7%
|
2 429
+8%
|
10 326
+325%
|
15 194
+47%
|
18 600
+22%
|
21 333
+15%
|
17 142
-20%
|
15 234
-11%
|
14 196
-7%
|
13 615
-4%
|
12 972
-5%
|
12 387
-5%
|
12 265
-1%
|
12 366
+1%
|
12 133
-2%
|
|
| Gross Profit | |||||||||||||||||||||||||||||
| Cost of Revenue |
(2 863)
|
(2 855)
|
(2 826)
|
(2 733)
|
(2 631)
|
(2 566)
|
(2 498)
|
(2 483)
|
(2 437)
|
(2 367)
|
(2 327)
|
(2 266)
|
(2 269)
|
(2 296)
|
(2 382)
|
(5 113)
|
(6 869)
|
(8 692)
|
(10 010)
|
(8 764)
|
(8 269)
|
(7 600)
|
(7 170)
|
(6 801)
|
(6 471)
|
(6 265)
|
(6 367)
|
(6 544)
|
|
| Gross Profit |
1 840
N/A
|
1 711
-7%
|
1 469
-14%
|
1 235
-16%
|
966
-22%
|
760
-21%
|
563
-26%
|
351
-38%
|
137
-61%
|
(106)
N/A
|
(198)
-87%
|
(286)
-45%
|
(157)
+45%
|
(38)
+76%
|
47
N/A
|
5 212
+10 948%
|
8 325
+60%
|
9 908
+19%
|
11 323
+14%
|
8 378
-26%
|
6 965
-17%
|
6 596
-5%
|
6 445
-2%
|
6 171
-4%
|
5 916
-4%
|
6 000
+1%
|
5 999
0%
|
5 589
-7%
|
|
| Operating Income | |||||||||||||||||||||||||||||
| Operating Expenses |
(1 213)
|
(1 076)
|
(942)
|
(855)
|
(745)
|
(667)
|
(624)
|
(554)
|
(504)
|
(543)
|
(610)
|
(686)
|
(802)
|
(906)
|
(1 056)
|
(3 126)
|
(4 547)
|
(5 472)
|
(6 423)
|
(5 729)
|
(5 220)
|
(5 134)
|
(5 116)
|
(4 589)
|
(4 808)
|
(4 359)
|
(3 845)
|
(3 654)
|
|
| Selling, General & Administrative |
(1 213)
|
(1 076)
|
(942)
|
(855)
|
(745)
|
(667)
|
(624)
|
(554)
|
(504)
|
(543)
|
(610)
|
(686)
|
(802)
|
(906)
|
(1 056)
|
(3 125)
|
(4 545)
|
(5 472)
|
(6 422)
|
(5 728)
|
(5 220)
|
(5 132)
|
(5 114)
|
(4 588)
|
(4 806)
|
(4 357)
|
(3 844)
|
(3 652)
|
|
| Other Operating Expenses |
0
|
0
|
(0)
|
(0)
|
0
|
(0)
|
(0)
|
0
|
0
|
0
|
(0)
|
0
|
(0)
|
(0)
|
0
|
(1)
|
(2)
|
0
|
(1)
|
(1)
|
0
|
(2)
|
(2)
|
0
|
(2)
|
0
|
(1)
|
(2)
|
|
| Operating Income |
627
N/A
|
636
+1%
|
527
-17%
|
380
-28%
|
221
-42%
|
93
-58%
|
(60)
N/A
|
(203)
-237%
|
(367)
-81%
|
(649)
-77%
|
(808)
-24%
|
(972)
-20%
|
(959)
+1%
|
(943)
+2%
|
(1 008)
-7%
|
2 087
N/A
|
3 778
+81%
|
4 436
+17%
|
4 900
+10%
|
2 649
-46%
|
1 745
-34%
|
1 462
-16%
|
1 329
-9%
|
1 582
+19%
|
1 108
-30%
|
1 641
+48%
|
2 154
+31%
|
1 935
-10%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||
| Interest Income Expense |
(10)
|
(10)
|
(9)
|
(9)
|
(9)
|
(8)
|
(8)
|
(9)
|
(10)
|
(11)
|
(12)
|
(12)
|
(12)
|
(12)
|
(15)
|
(26)
|
(22)
|
(16)
|
(11)
|
2
|
0
|
(4)
|
(3)
|
(2)
|
0
|
0
|
10
|
11
|
|
| Total Other Income |
(7)
|
(4)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
0
|
5
|
8
|
17
|
19
|
19
|
15
|
8
|
18
|
30
|
31
|
31
|
18
|
21
|
29
|
36
|
41
|
34
|
31
|
21
|
18
|
|
| Pre-Tax Income |
610
N/A
|
622
+2%
|
515
-17%
|
369
-28%
|
210
-43%
|
84
-60%
|
(70)
N/A
|
(212)
-202%
|
(372)
-75%
|
(652)
-75%
|
(802)
-23%
|
(965)
-20%
|
(952)
+1%
|
(940)
+1%
|
(1 016)
-8%
|
2 078
N/A
|
3 787
+82%
|
4 450
+18%
|
4 920
+11%
|
2 669
-46%
|
1 766
-34%
|
1 487
-16%
|
1 362
-8%
|
1 621
+19%
|
1 141
-30%
|
1 672
+47%
|
2 185
+31%
|
1 964
-10%
|
|
| Net Income | |||||||||||||||||||||||||||||
| Tax Provision |
(179)
|
(184)
|
(141)
|
(98)
|
(56)
|
(24)
|
(4)
|
30
|
77
|
145
|
260
|
325
|
334
|
359
|
177
|
(789)
|
(1 315)
|
(1 533)
|
(1 627)
|
(940)
|
(695)
|
(637)
|
(466)
|
(572)
|
(588)
|
(778)
|
(834)
|
(831)
|
|
| Income from Continuing Operations |
431
|
438
|
374
|
271
|
154
|
59
|
(75)
|
(182)
|
(295)
|
(507)
|
(542)
|
(639)
|
(619)
|
(581)
|
(838)
|
1 289
|
2 471
|
2 917
|
3 293
|
1 729
|
1 071
|
850
|
896
|
1 049
|
553
|
894
|
1 351
|
1 133
|
|
| Net Income (Common) |
431
N/A
|
438
+2%
|
374
-15%
|
271
-28%
|
154
-43%
|
59
-61%
|
(75)
N/A
|
(182)
-144%
|
(295)
-62%
|
(507)
-72%
|
(542)
-7%
|
(639)
-18%
|
(619)
+3%
|
(581)
+6%
|
(838)
-44%
|
1 288
N/A
|
2 471
+92%
|
2 916
+18%
|
3 293
+13%
|
1 730
-47%
|
1 071
-38%
|
851
-21%
|
895
+5%
|
1 048
+17%
|
551
-47%
|
893
+62%
|
1 351
+51%
|
1 132
-16%
|
|
| EPS (Diluted) |
109.34
N/A
|
111.98
+2%
|
95.37
-15%
|
69.45
-27%
|
39.52
-43%
|
15.46
-61%
|
-19.34
N/A
|
-46.99
-143%
|
-74.63
-59%
|
-128.35
-72%
|
-141.28
-10%
|
-166.56
-18%
|
-161.17
+3%
|
-151.21
+6%
|
-217.97
-44%
|
319.04
N/A
|
612.56
+92%
|
722.91
+18%
|
817.73
+13%
|
432.18
-47%
|
268.07
-38%
|
213.94
-20%
|
224.45
+5%
|
263.68
+17%
|
138.63
-47%
|
224.69
+62%
|
339.93
+51%
|
284.83
-16%
|
|