Income Statement Conafi Prestito

Stocks

CNF

IT0004105653

Consumer Lending

Market Closed - Borsa Italiana Other stock markets 10:15:00 11/03/2025 pm IST			5-day change	1st Jan Change
0.1440 ^EUR	-10.00%		-.--%	-

12/25/12	Europeans expected in green; focus on tariffs clash	AN
11/25/11	Only six stocks in green on the Mib; U.S. duties weigh.	AN

bcbb007.5rkhgtMf4ssIJCrQeBW9Cdg0QbgnmbEhhc6nU9fy8DE.1s9o8Kd91rhFFW_jGnfUSrpSBYlo1OBU9_rSAe6DqVOM2GLyvna6jnxHQQ

Published financial data: CONAFI PRESTITO

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest and Dividend Income, Total	-	-	13.13L	42.25L	19.26L
Interest Expense, Total	6T	-	-	-	-
Net Interest Income	-6T	-	13.13L	42.25L	19.26L
Commission and Fees	9L	11.13L	11.29L	6L	6L
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	-	-	-	-	-
Revenues Before Provison For Loan Losses	9L	11.13L	24.42L	48.19L	25.64L
Provision For Loan Losses	2L	-2L	2L	66T	52T
Total Revenues	7L	12.9L	22.46L	47.53L	25.12L
Salaries And Other Employee Benefits	19.28L	17.29L	21.07L	27.97L	29.56L
Cost of Services Provided, Total	11.3L	10.39L	10.16L	10L	9L
Depreciation & Amortization - (IS) - (Collected)	83T	42T	26T	31T	42T
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Other Operating Expenses	5L	5L	13.22L	14.42L	28.17L
Total Operating Expenses	36.59L	33.07L	44.71L	52.5L	66.95L
Operating Income	-29.58L	-20.17L	-22.25L	-5L	-41.83L
Income (Loss) on Equity Invest.	-	-	-44T	-3T	-
Currency Exchange Gains (Loss)	-	-	-	-	-
Other Non Operating Income (Expenses)	3L	3L	2L	2L	1L
EBT, Excl. Unusual Items	-26.51L	-17.42L	-20.67L	-3L	-40.61L
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Gain (Loss) on Sale of Investments	1L	5L	8L	-39.28L	12.51L
Asset Writedown	-	-18T	-	-	-
EBT, Incl. Unusual Items	-25.39L	-12.41L	-12.24L	-42.59L	-28.1L
Income Tax Expense	2L	2L	5L	2L	2L
Earnings From Continuing Operations	-27.4L	-14.22L	-17.17L	-44.82L	-30.39L
Earnings Of Discontinued Operations	-	-	-	14.89L	-
Net Income to Company	-27.4L	-14.22L	-17.17L	-29.93L	-30.39L
Minority Interest	-	-1T	1T	-4L	11.39L
Net Income - (IS)	-27.4L	-14.23L	-17.16L	-33.58L	-19L
Net Income to Common Incl Extra Items	-27.4L	-14.23L	-17.16L	-33.58L	-19L
Net Income to Common Excl. Extra Items	-27.4L	-14.23L	-17.16L	-48.47L	-19L
Per Share Items
Net EPS - Basic	-0.07	-0.04	-0.05	-0.09	-0.05
Basic EPS - Continuing Operations	-0.07	-0.04	-0.05	-0.13	-0.05
Basic Weighted Average Shares Outstanding	3.69Cr	3.69Cr	3.69Cr	3.69Cr	3.69Cr
Net EPS - Diluted	-0.07	-0.04	-0.05	-0.09	-0.05
Diluted EPS - Continuing Operations	-0.07	-0.04	-0.05	-0.13	-0.05
Diluted Weighted Average Shares Outstanding	3.69Cr	3.69Cr	3.69Cr	3.69Cr	3.69Cr
Normalized Basic EPS	-0.04	-0.03	-0.03	-0.02	-0.04
Normalized Diluted EPS	-0.04	-0.03	-0.03	-0.02	-0.04
Dividend Per Share	-	-	0.04	-	-
Payout Ratio	-	-	-	-43.98	-
Supplemental Items
Total Revenues (As Reported)	13.82L	15.55L	27.35L	59.26L	29.79L
Effective Tax Rate - (Ratio)	-7.92	-14.58	-40.28	-5.24	-8.15
Current Domestic Taxes	-93T	-	4L	-	-
Total Current Taxes	-93T	-	4L	60T	45T
Deferred Domestic Taxes	3L	-	71T	-	-
Total Deferred Taxes	3L	2L	71T	2L	2L
Normalized Net Income	-16.57L	-10.9L	-12.91L	-6L	-13.99L

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	84.51L	42.71L	1.73Cr	91.04L	25.02L
Long-Term Investments - (FS Template)	10T	10T	10T	7T	7T
Trading Asset Securities, Total	73.27L	86.54L	57.72L	12.74L	19.16L
Loans and Lease Receivables - (FS Template)	53.28L	46.43L	56.38L	1.22Cr	1.17Cr
Other Receivables	41.11L	11.29L	23.28L	13.61L	19.97L
Net Property Plant And Equipment	1L	55T	36T	58T	96T
Other Intangibles, Total	30T	50T	66T	56T	2L
Other Current Assets, Total	2L	21.33L	47T	12.02L	39.12L
Deferred Tax Assets Long-Term (Collected)	9L	7L	10L	7L	5L
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	-	-	11T	-	-
Total Assets	2.64Cr	2.17Cr	3.22Cr	2.59Cr	2.28Cr
Liabilities
Accounts Payable, Total	2L	2L	7L	7L	13.06L
Accrued Expenses, Total	33.96L	25.23L	15.03L	10L	7L
Short-Term Borrowings	39.19L	15.72L	13.55L	12.3L	10.87L
Current Income Taxes Payable	-	66T	4L	55T	29T
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	5L	9L	10L	11.16L	12.1L
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	93T	1L	1L	1L	2L
Deferred Tax Liability Non-Current	-	33T	-	-	-
Other Non Current Liabilities	7L	8L	10L	9L	8L
Total Liabilities	88.2L	61.82L	59.85L	50.99L	53.6L
Common Stock, Total	1.12Cr	1.12Cr	1.12Cr	1.12Cr	1.06Cr
Additional Paid In Capital	67.71L	-	10.67L	10.67L	-
Retained Earnings	-21.48L	-9L	-12.85L	-29.27L	-19L
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	18.27L	51.93L	1.02Cr	58.35L	42.99L
Total Common Equity	1.76Cr	1.55Cr	2.11Cr	1.51Cr	1.3Cr
Minority Interest	-	8T	50.45L	56.76L	44.41L
Total Equity	1.76Cr	1.55Cr	2.62Cr	2.08Cr	1.75Cr
Total Liabilities And Equity	2.64Cr	2.17Cr	3.22Cr	2.59Cr	2.28Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.69Cr	3.69Cr	3.69Cr	3.69Cr	3.69Cr
ECS Total Common Shares Outstanding	3.69Cr	3.69Cr	3.69Cr	3.69Cr	3.69Cr
Book Value / Share	0.48	0.42	0.57	0.41	0.35
Tangible Book Value	1.76Cr	1.54Cr	2.11Cr	1.51Cr	1.28Cr
Tangible Book Value Per Share	0.48	0.42	0.57	0.41	0.35
Total Debt	39.19L	15.72L	13.55L	12.3L	10.87L
Net Debt	-1.19Cr	-1.14Cr	-2.17Cr	-91.48L	-33.31L
Equity Method Investments, Total	10T	10T	10T	7T	7T
Full Time Employees	-	9	13	19	16
Part Time Employees	-	42	35	25	25

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	-27.4L	-14.23L	-17.16L	-33.58L	-19L
Depreciation, Depletion & Amortization	43T	36T	15T	13T	21T
Amortization of Goodwill and Intangible Assets - (CF)	40T	6T	10T	19T	21T
Total Depreciation, Depletion & Amortization	83T	42T	25T	32T	42T
(Gain) Loss on Sale of Investments - (CF)	10.52L	9L	13.22L	-10.29L	3L
Total Asset Writedown	-	18T	0	-	1T
Provision for Credit Losses	2L	-3L	19T	23T	1L
Change in Trading Asset Securities	-27.14L	-26.89L	80T	55.37L	-9L
Change in Other Net Operating Assets (Collected)	29.78L	44T	10L	-73.63L	-24.84L
Other Operating Activities	-29T	-1L	-85T	-19.94L	-11.89L
Cash from Operations	-11.24L	-34.44L	6L	-81.52L	-60.34L
Capital Expenditure	-14T	-4T	-3T	-35T	-59T
Sale of Property, Plant, and Equipment	-	-	6T	-	-
Purchase / Sale of Intangible Assets	-8T	-26T	-26T	-9T	-2L
Investment in Marketable and Equity Securities, Total	-	-	-	15L	-
Cash from Investing	-22T	-30T	-23T	14.56L	-3L
Issuance of Common Stock	-	-	1.34Cr	-	-
Repurchase of Common Stock	-10T	-	-	-	-3L
Common Dividends Paid	-	-	-	-14.77L	-
Common & Preferred Stock Dividends Paid	-	-	-	-14.77L	-
Special Dividend Paid	-29.55L	-7L	-10L	-	-
Cash from Financing	-29.65L	-7L	1.24Cr	-14.77L	-3L
Net Change in Cash	-41.11L	-41.76L	1.3Cr	-81.73L	-66.02L

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	-9.37	-5.91	-6.38	-15.44	-12.47
Return On Equity %	-13.39	-8.59	-8.24	-19.08	-15.88
Return on Common Equity	-13.39	-8.6	-9.37	-26.73	-13.49
Margin Analysis
Gross Profit Margin %	-17.55	30.39	54.76	83.78	80.53
SG&A Margin	318.69	144.96	93.81	63.24	133.24
Income From Continuing Operations Margin %	-390.87	-110.23	-76.45	-94.3	-120.98
Net Income Margin %	-390.87	-110.31	-76.4	-70.65	-75.64
Net Avail. For Common Margin %	-390.87	-110.31	-76.4	-101.98	-75.64
Normalized Net Income Margin	-236.36	-84.48	-57.47	-12.03	-55.7
Asset Turnover
Asset Turnover	0.02	0.05	0.08	0.16	0.1
Short Term Liquidity
Current Ratio	3.17	3.96	6.34	6.21	5.03
Quick Ratio	3.15	3.56	6.33	5.91	4.14
Operating Cash Flow to Current Liabilities	-0.14	-0.66	0.13	-2.01	-1.38
Long Term Solvency
Total Debt/Equity	22.25	10.15	5.18	5.91	6.22
Total Debt / Total Capital	18.2	9.21	4.92	5.58	5.86
Total Liabilities / Total Assets	33.37	28.52	18.61	19.68	23.48
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-61.18	84.02	74.11	111.62	-47.15
Gross Profit, 1 Yr. Growth %	-114.5	-418.7	213.78	223.74	-49.2
Earnings From Cont. Operations, 1 Yr. Growth %	-33.46	-48.1	20.75	161.04	-32.2
Net Income, 1 Yr. Growth %	-432.52	-48.07	20.59	95.69	-43.42
Normalized Net Income, 1 Yr. Growth %	-4.02	-34.23	17.25	-55.7	144.66
Diluted EPS Before Extra, 1 Yr. Growth %	-29.35	-48.07	20.59	182.46	-60.8
Common Equity, 1 Yr. Growth %	-24.46	-12.07	36.44	-28.37	-13.93
Total Assets, 1 Yr. Growth %	-17.56	-17.99	48.36	-19.43	-11.9
Tangible Book Value, 1 Yr. Growth %	-24.38	-12.2	36.46	-28.41	-15.22
Cash From Operations, 1 Yr. Growth %	-47.21	206.41	-118.15	-1.4T	-25.98
Capital Expenditures, 1 Yr. Growth %	180	-71.43	-25	1.07T	68.57
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-76.19	-15.48	79	91.95	5.76
Gross Profit, 2 Yr. CAGR %	-85.86	-32.01	216.23	218.72	28.25
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.52	-41.24	-20.84	77.54	33.04
Net Income, 2 Yr. CAGR %	20.37	31.41	-20.86	53.62	5.22
Normalized Net Income, 2 Yr. CAGR %	-10.57	-20.55	-11.73	-27.93	4.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.7	-39.43	-20.86	84.56	5.22
Common Equity, 2 Yr. CAGR %	-17.9	-18.5	9.53	-1.14	-21.48
Total Assets, 2 Yr. CAGR %	-22.97	-17.77	10.31	9.33	-15.75
Tangible Book Value, 2 Yr. CAGR %	-17.77	-18.52	9.46	-1.16	-22.09
Cash From Operations, 2 Yr. CAGR %	-65.66	27.19	-25.43	53.85	210.72
Capital Expenditures, 2 Yr. CAGR %	-60.56	-10.56	-53.71	195.8	343.47
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-64.16	-52.92	7.54	89.27	24.88
Gross Profit, 3 Yr. CAGR %	-75.55	-60.06	13.2	218.71	72.81
Earnings From Cont. Operations, 3 Yr. CAGR %	0.8	-24.82	-25.29	17.83	28.81
Net Income, 3 Yr. CAGR %	0.8	-9.04	27.7	7.01	10.12
Normalized Net Income, 3 Yr. CAGR %	9.61	-19.28	-9.23	-29.85	8.32
Diluted EPS Before Extra, 3 Yr. CAGR %	5.08	-21.62	-23.8	20.94	10.12
Common Equity, 3 Yr. CAGR %	-11.52	-16	-3.22	-4.92	-5.6
Total Assets, 3 Yr. CAGR %	-21.73	-21.35	0.1	-0.66	1.74
Tangible Book Value, 3 Yr. CAGR %	-11.36	-15.96	-3.24	-4.99	-6.09
Cash From Operations, 3 Yr. CAGR %	-48.56	-28.77	-33.54	93.57	20.55
Capital Expenditures, 3 Yr. CAGR %	-29.53	-64.58	-15.66	35.72	145.24
Dividend Per Share, 3 Yr. CAGR %	-	-	25.99	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.37	-32.94	-31.8	-17.4	6.82
Gross Profit, 5 Yr. CAGR %	-50.22	-40.49	-31.92	-8.34	18.99
Earnings From Cont. Operations, 5 Yr. CAGR %	-25.46	-14.47	-8.49	6.01	-5.9
Net Income, 5 Yr. CAGR %	-25.43	-14.45	-8.5	12.17	18.19
Normalized Net Income, 5 Yr. CAGR %	-24.26	-8.23	0.52	-22.7	-4.12
Diluted EPS Before Extra, 5 Yr. CAGR %	-23.55	-12.29	-6.19	10.41	-13.3
Common Equity, 5 Yr. CAGR %	-10.19	-10.68	-3.63	-10.34	-10.99
Total Assets, 5 Yr. CAGR %	-12.8	-16.09	-10.22	-10.27	-6.57
Tangible Book Value, 5 Yr. CAGR %	-10.19	-10.67	-3.56	-10.32	-11.27
Cash From Operations, 5 Yr. CAGR %	-38.09	17.19	-40.32	-3.08	23.16
Capital Expenditures, 5 Yr. CAGR %	-19.73	-42.92	-40.43	-17.21	63.82