Income Statement DelfinGroup AS

Stocks

DGR1R

LV0000101806

Consumer Lending

End-of-day quote Nasdaq Riga 2026-08-14			5-day change	1st Jan Change
1.515 ^LVL	-0.33%		+1.00%	+17.62%

07-14	Delfingroup as Announces Private Placement of EUR 5,000,000 Subordinated Unsecured Notes	CI
06-15	DelfinGroup AS Approves Extraordinary Dividend for the First Quarter Ended March 31, 2026, Payable on 29 June 2026	CI

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Published financial data: DELFINGROUP AS

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	19.82M	29.3M	41.21M	52.33M	64.13M
Interest Expense, Total	1.62M	4.67M	8.58M	10.91M	12.76M
Net Interest Income	18.2M	24.63M	32.63M	41.42M	51.37M
Other Revenues, Total	5.67M	6.47M	9.22M	10.63M	14.11M
Revenues Before Provison For Loan Losses	23.87M	31.11M	41.84M	52.04M	65.48M
Provision For Loan Losses	2.24M	6.16M	10.69M	15.1M	21.21M
Total Revenues	21.63M	24.95M	31.16M	36.94M	44.27M
Cost of Services Provided, Total	13.67M	16.99M	22.08M	26.68M	31.25M
Other Operating Expenses	2.75M	698K	786K	1.09M	610K
Total Operating Expenses	16.42M	17.69M	22.87M	27.77M	31.86M
Operating Income	5.2M	7.26M	8.29M	9.18M	12.41M
Currency Exchange Gains (Loss)	-213	-498	-83	-852	-
EBT, Excl. Unusual Items	5.2M	7.26M	8.29M	9.17M	12.41M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	5.2M	7.26M	8.29M	9.17M	12.41M
Income Tax Expense	979K	1.3M	1.66M	1.9M	2.8M
Earnings From Continuing Operations	4.22M	5.96M	6.63M	7.28M	9.61M
Net Income to Company	4.22M	5.96M	6.63M	7.28M	9.61M
Net Income - (IS)	4.22M	5.96M	6.63M	7.28M	9.61M
Net Income to Common Incl Extra Items	4.22M	5.96M	6.63M	7.28M	9.61M
Net Income to Common Excl. Extra Items	4.22M	5.96M	6.63M	7.28M	9.61M
Per Share Items
Net EPS - Basic	0.1	0.13	0.15	0.16	0.21
Basic EPS - Continuing Operations	0.1	0.13	0.15	0.16	0.21
Basic Weighted Average Shares Outstanding	41.03M	45.32M	45.32M	45.38M	45.42M
Net EPS - Diluted	0.1	0.13	0.15	0.16	0.21
Diluted EPS - Continuing Operations	0.1	0.13	0.15	0.16	0.21
Diluted Weighted Average Shares Outstanding	41.03M	45.33M	45.4M	45.41M	45.47M
Normalized Basic EPS	0.08	0.1	0.11	0.13	0.17
Normalized Diluted EPS	0.08	0.1	0.11	0.13	0.17
Dividend Per Share	0.06	-	0.01	0.01	0.04
Payout Ratio	76.02	91	-	51.21	46.34
Supplemental Items
Effective Tax Rate - (Ratio)	18.82	17.86	20.04	20.69	22.54
Current Domestic Taxes	979K	1.3M	1.66M	2.04M	2.99M
Total Current Taxes	979K	1.3M	1.66M	2.04M	2.99M
Deferred Domestic Taxes	-	-	-	-143K	-191K
Total Deferred Taxes	-	-	-	-143K	-191K
Normalized Net Income	3.25M	4.54M	5.18M	5.73M	7.76M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	93.06K	76.75K	53.59K	52.1K
Total Stock-Based Compensation	-	93.06K	76.75K	53.59K	52.1K

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.46M	2.37M	5.93M	1.64M	3.54M
Long-Term Investments - (FS Template)	-	-	-	-	2.5M
Loans and Lease Receivables - (FS Template)	42.96M	67.52M	89.03M	113M	144M
Other Receivables	352K	575K	914K	616K	1.59M
Gross Property Plant And Equipment	7.21M	7.55M	8.76M	9.58M	10.12M
Accumulated Depreciation	-3.67M	-4.34M	-5.06M	-6M	-6.37M
Net Property Plant And Equipment	3.54M	3.21M	3.7M	3.58M	3.75M
Goodwill	128K	128K	128K	128K	128K
Other Intangibles, Total	492K	724K	1.61M	2.14M	2.01M
Other Current Assets, Total	2.12M	2.59M	3.63M	5.23M	4.33M
Deferred Tax Assets Long-Term (Collected)	-	-	-	155K	346K
Other Long-Term Assets, Total	18.83K	43.8K	125K	35.52K	-
Total Assets	52.06M	77.16M	105M	127M	163M
Liabilities
Accounts Payable, Total	806K	856K	1.01M	934K	1.13M
Accrued Expenses, Total	1.03M	1.09M	1.59M	2.11M	2.43M
Short-Term Borrowings	10.49M	19.86M	14.51M	10.4M	11.28M
Current Portion of Long-Term Debt	13K	14.78M	14.29M	17.17M	35.19M
Current Portion of Leases	653K	565K	831K	734K	742K
Long-Term Debt	18.91M	19.34M	48.17M	67.09M	76.66M
Long-Term Leases	2.65M	2.35M	2.34M	2.22M	2.52M
Current Income Taxes Payable	132K	211K	997K	1.42M	2.49M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	-	-
Total Liabilities	34.69M	59.05M	83.74M	102M	132M
Common Stock, Total	4.53M	4.53M	4.54M	4.54M	4.54M
Additional Paid In Capital	6.89M	6.89M	6.89M	6.89M	6.89M
Retained Earnings	5.95M	6.59M	9.72M	13.27M	18.43M
Comprehensive Income and Other	-	93.06K	170K	223K	276K
Total Common Equity	17.38M	18.11M	21.32M	24.93M	30.14M
Total Equity	17.38M	18.11M	21.32M	24.93M	30.14M
Total Liabilities And Equity	52.06M	77.16M	105M	127M	163M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	45.32M	45.32M	45.38M	45.41M	45.45M
ECS Total Common Shares Outstanding	45.32M	45.32M	45.38M	45.41M	45.45M
Book Value / Share	0.38	0.4	0.47	0.55	0.66
Tangible Book Value	16.76M	17.25M	19.58M	22.67M	28.01M
Tangible Book Value Per Share	0.37	0.38	0.43	0.5	0.62
Total Debt	32.72M	56.89M	80.14M	97.62M	126M
Net Debt	30.26M	54.52M	74.21M	95.97M	123M
Full Time Employees	301	329	366	388	372

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	4.22M	5.96M	6.63M	7.28M	9.61M
Depreciation, Depletion & Amortization	978K	942K	1.01M	1.18M	1.36M
Amortization of Goodwill and Intangible Assets - (CF)	82.71K	92.58K	80.8K	4.64K	4.26K
Total Depreciation, Depletion & Amortization	1.06M	1.03M	1.09M	1.18M	1.36M
Amortization of Deferred Charges, Total	77.23K	150K	232K	664K	873K
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Provision for Credit Losses	2.24M	6.16M	10.69M	15.1M	21.21M
Stock-Based Compensation (CF)	-	93.06K	76.75K	53.59K	52.1K
Change In Inventories	-415K	-1.04M	-1.1M	-599K	1.04M
Change in Accounts Payable	-64.26K	1.48K	1.16M	1.51M	712K
Change in Other Net Operating Assets (Collected)	-10.24M	-29.87M	-31.04M	-38.6M	-52M
Other Operating Activities	-189K	-461K	-1.71M	-1.85M	-1.33M
Cash from Operations	-3.31M	-17.97M	-13.98M	-15.25M	-18.46M
Capital Expenditure	-549K	-204K	-441K	-416K	-325K
Sale of Property, Plant, and Equipment	-	-	-	-	-
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-500K	-1.29M	-1.1M	-719K
Investment in Marketable and Equity Securities, Total	-	-	-	-545K	-2.5M
Net (Increase) Decrease in Loans Originated / Sold - Investing	474K	-	-	-	-
Cash from Investing	-74.12K	-704K	-1.73M	-2.06M	-3.54M
Long-Term Debt Issued, Total	31.74M	44.22M	63.03M	46.39M	51.88M
Total Debt Issued	31.74M	44.22M	63.03M	46.39M	51.88M
Long-Term Debt Repaid, Total	-34.2M	-20.21M	-39.83M	-29.18M	-23.53M
Total Debt Repaid	-34.2M	-20.21M	-39.83M	-29.18M	-23.53M
Issuance of Common Stock	8.09M	-	5.79K	2.89K	4.25K
Common Dividends Paid	-3.21M	-5.42M	-	-3.73M	-4.46M
Common & Preferred Stock Dividends Paid	-3.21M	-5.42M	-	-3.73M	-4.46M
Special Dividend Paid	-512K	-	-3.49M	-	-
Other Financing Activities, Total	-663K	-	-454K	-	-
Cash from Financing	1.25M	18.58M	19.26M	13.48M	23.9M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-3K
Net Change in Cash	-2.13M	-90.83K	3.56M	-3.83M	1.89M
Supplemental Items
Cash Interest Paid	4.27M	5.04M	9.75M	11.5M	13.73M
Cash Income Tax Paid (Refund)	755K	979K	778K	1.8M	1.92M
Net Debt Issued / Repaid	-2.45M	24M	23.21M	17.21M	28.35M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	8.6	9.22	7.27	6.27	6.64
Return On Equity %	31.48	33.51	33.62	31.46	34.92
Return on Common Equity	31.48	33.51	33.62	31.46	34.92
Margin Analysis
Gross Profit Margin %	81.75	81.56	78.87	79.32	76.63
SG&A Margin	44.96	49.67	49.74	51.54	47.22
Income From Continuing Operations Margin %	19.53	23.9	21.27	19.7	21.72
Net Income Margin %	19.53	23.9	21.27	19.7	21.72
Net Avail. For Common Margin %	19.53	23.9	21.27	19.7	21.72
Normalized Net Income Margin	15.04	18.18	16.63	15.52	17.52
Asset Turnover
Asset Turnover	0.44	0.39	0.34	0.32	0.31
Short Term Liquidity
Current Ratio	3.65	1.96	2.99	3.69	2.89
Quick Ratio	3.49	1.89	2.89	3.53	2.81
Operating Cash Flow to Current Liabilities	-0.25	-0.48	-0.42	-0.47	-0.35
Long Term Solvency
Total Debt/Equity	188.27	314.23	375.85	391.58	419.3
Total Debt / Total Capital	65.31	75.86	78.98	79.66	80.74
LT Debt/Equity	124.09	119.79	236.89	278.02	262.68
Long-Term Debt / Total Capital	43.05	28.92	49.78	56.56	50.58
Total Liabilities / Total Assets	66.62	76.53	79.7	80.37	81.46
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	7.55	34.5	24.9	18.56	19.84
Gross Profit, 1 Yr. Growth %	13.25	34.64	20.78	19.23	15.78
Earnings From Cont. Operations, 1 Yr. Growth %	3.03	48.38	11.18	9.78	32.14
Net Income, 1 Yr. Growth %	3.03	48.38	11.18	9.78	32.14
Normalized Net Income, 1 Yr. Growth %	7.18	45.24	14.22	10.67	35.3
Diluted EPS Before Extra, 1 Yr. Growth %	0.43	34.35	10.99	9.59	31.87
Common Equity, 1 Yr. Growth %	83.81	3.6	17.76	16.91	20.92
Total Assets, 1 Yr. Growth %	12.79	47.92	36.16	20.88	28.01
Tangible Book Value, 1 Yr. Growth %	87.34	2.36	13.48	15.76	23.76
Cash From Operations, 1 Yr. Growth %	-235.47	443.36	-22.2	5.68	21.04
Capital Expenditures, 1 Yr. Growth %	-3.93	27.64	116.15	-5.64	-21.99
Dividend Per Share, 1 Yr. Growth %	-	-	-	4.55	325
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	8.11	11.38	29.61	21.69	19.2
Gross Profit, 2 Yr. CAGR %	8.93	14.16	27.53	20.01	17.49
Earnings From Cont. Operations, 2 Yr. CAGR %	3.89	20.59	28.44	10.48	20.44
Net Income, 2 Yr. CAGR %	3.89	20.59	28.44	10.48	20.44
Normalized Net Income, 2 Yr. CAGR %	10.2	22.27	28.8	12.43	22.37
Diluted EPS Before Extra, 2 Yr. CAGR %	-80.13	13.29	22.11	10.29	20.22
Common Equity, 2 Yr. CAGR %	44.11	38.39	10.46	17.34	18.9
Total Assets, 2 Yr. CAGR %	16.64	29.29	41.92	28.3	24.4
Tangible Book Value, 2 Yr. CAGR %	44.55	38.88	7.77	14.61	19.6
Cash From Operations, 2 Yr. CAGR %	-26.97	171.31	105.61	-7.86	13.1
Capital Expenditures, 2 Yr. CAGR %	-17.73	-40.22	66.1	42.82	-14.2
Dividend Per Share, 2 Yr. CAGR %	-	-	-60.07	-	110.79
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	6.89	10.47	15.71	25.82	21.07
Gross Profit, 3 Yr. CAGR %	5.61	10.94	16.32	24.7	18.58
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.42	15.06	17.37	21.89	17.27
Net Income, 3 Yr. CAGR %	-2.42	15.06	17.37	21.89	17.27
Normalized Net Income, 3 Yr. CAGR %	4	19.21	19.53	22.45	19.59
Diluted EPS Before Extra, 3 Yr. CAGR %	-67.61	-63.05	12.52	17.79	17.06
Common Equity, 3 Yr. CAGR %	42.91	29.34	31.14	12.57	18.52
Total Assets, 3 Yr. CAGR %	24.99	26.33	31.54	34.53	28.2
Tangible Book Value, 3 Yr. CAGR %	44.28	29.1	29.84	10.37	17.52
Cash From Operations, 3 Yr. CAGR %	76.54	42.58	78.91	66.47	0.91
Capital Expenditures, 3 Yr. CAGR %	35.06	-36.85	-8.24	37.57	16.75
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-44.97	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	7.72	7.73	11.96	14.83	17.1
Gross Profit, 5 Yr. CAGR %	9.23	7.2	10.36	14.48	16.79
Earnings From Cont. Operations, 5 Yr. CAGR %	34.47	13.98	7.83	13.21	18.59
Net Income, 5 Yr. CAGR %	34.47	13.98	7.83	13.21	18.59
Normalized Net Income, 5 Yr. CAGR %	34.45	14.72	12.38	16.45	20.66
Diluted EPS Before Extra, 5 Yr. CAGR %	-30.61	-41.8	-45.48	-42.77	15.54
Common Equity, 5 Yr. CAGR %	44	37.46	29.06	24.4	26.1
Total Assets, 5 Yr. CAGR %	26.63	29.34	31.55	27.11	28.63
Tangible Book Value, 5 Yr. CAGR %	44.75	38.92	28.54	23.1	25.64
Cash From Operations, 5 Yr. CAGR %	-0.51	80.29	87.64	19.73	49.88
Capital Expenditures, 5 Yr. CAGR %	25.77	3.98	14.65	-12.48	-10.67