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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; read from the page image) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Fincorp

No ticker printed · Stock Exchange of Mauritius · Consolidated statements

On this page
Company details
Legal name
Fincorp Investment Limited
Listing
No ticker printed on the Stock Exchange of Mauritius, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
30 June

Overview

Year ended 30 June 2026 · annual report, signed / final · source

  • Net interest income

    MUR 93.0 million

    92,987 MUR thousands · p35

    Change not shown.

    Interest income less interest expense, as printed.

  • Operating income

    MUR 565 million

    564,532 MUR thousands · p35

    Change not shown.

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    MUR 432 million

    432,047 MUR thousands · p35

    Change not shown.

  • Total assets

    MUR 16.2 billion

    16,247,164 MUR thousands · p34

    Change not shown.

  • Customer deposits

    MUR 6.81 billion

    6,811,545 MUR thousands · p34

    Change not shown.

  • Total equity

    MUR 8.69 billion

    8,685,579 MUR thousands · p34

    Change not shown.

Large amounts are rounded for reading (MUR million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Not shown: the two years come from different filings.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in MUR thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY to 30 Jun 2026 — annual report, signed / final; reported for the year · source
  • FY to 30 Jun 2025 — annual report, signed / final; reported for the year · source
  • FY to 30 Jun 2024 — annual report, signed / final; comparative in the FY to 30 Jun 2025 filing · source

Income statement

Income statement, MUR thousands. Columns: FY to 30 Jun 2026 — annual report (signed / final), as reported for the year; FY to 30 Jun 2025 — annual report (signed / final), as reported for the year; FY to 30 Jun 2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY to 30 Jun 2026Annual reportreported for the yearFY to 30 Jun 2025Annual reportreported for the yearFY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing
Interest income 383,906 283,937 225,176
Interest expense (290,919) (216,784) (191,153)
Net interest income/(expense) 92,987 67,153 34,023
Fee and commission income 31,612 24,563 12,997
(Loss)/Gain arising from dealing in foreign currencies12 (279) 504 931
Net loss from financial instruments at fair value through profit or loss3 –4 (5,423) –4
Operating lease income5 402,988 350,443 302,954
Dividend income6 31,153 41,793 17,779
Other operating income 6,071 8,764 7,574
Other income (unlabelled subtotal)7 439,933 396,081 329,238
Operating income 564,532 487,797 376,258
Salaries and human resource costs (102,960) (88,381) (65,462)
Depreciation and amortisation8 (311,148) (268,606) (243,085)
Loss on disposal of assets9 (2,450) (1,983) (2,100)
Other expenses (59,034) (49,171) (33,694)
Non-interest expense (unlabelled subtotal)10 (475,592) (408,141) (344,341)
Operating profit before impairment 88,940 79,656 31,917
Net impairment on financial assets11 (10,491) (7,818) 19,781
Operating profit 78,449 71,838 51,698
Share of profits/(losses) of associate12 379,553 (250,608) 260,653
Profit/(loss) before tax13 458,002 (178,770) 312,351
Income tax expense (25,955) (23,244) (13,639)
Profit/(loss) attributable to equity holders of the parent14 432,047 (202,014) 298,712
Net fair value gain on equity investments15 95,885 32,405 1,262
Share of other comprehensive income of associate1617 299,054 131,388 325,471
Other comprehensive income for the year 394,939 163,793 326,733
Total comprehensive income attributable to equity holders of the parent 826,986 (38,221) 625,445
  1. Printed “-”, read as nil: subtotal_arithmetic: is.native.co_0p4skyqscy4h.other_income_subtotal.
Notes and alternative reported figures (16)
  1. “(Loss)/Gain arising from dealing in foreign currencies” is an issuer-specific line, not mapped to a shared definition: Other income.
  2. Printed under different labels across filings: “(Loss)/Gain arising from dealing in foreign currencies”; “Gain arising from dealing in foreign currencies”.
  3. “Net loss from financial instruments at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Other income.
  4. “Operating lease income” is an issuer-specific line, not mapped to a shared definition: Other income.
  5. “Dividend income” is an issuer-specific line, not mapped to a shared definition: Other income.
  6. “Other income (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal under the 'Other income' heading.
  7. “Depreciation and amortisation”: mapping to a shared definition is uncertain. Depreciation of equipment and amortisation of intangibles together. Read on the page image (visual_only): OCR drops the printed dashes and merges Group and Company cells; the Group columns (first two) are read.
  8. “Loss on disposal of assets” is an issuer-specific line, not mapped to a shared definition: Non-interest expense.
  9. “Non-interest expense (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal under the 'Non-interest expense' heading.
  10. Printed under different labels across filings: “Net impairment (loss)/gain on financial assets”; “Net impairment on financial assets”.
  11. Printed under different labels across filings: “Share of (losses)/profits of associates”; “Share of profits/(losses) of associate”.
  12. Printed under different labels across filings: “(Loss)/Profit before tax”; “Profit/(loss) before tax”.
  13. Printed under different labels across filings: “(Loss)/Profit attributable to equity holders of the parent”; “Profit/(loss) attributable to equity holders of the parent”.
  14. “Net fair value gain on equity investments” is an issuer-specific line, not mapped to a shared definition: OCI, not reclassified.
  15. “Share of other comprehensive income of associate” is an issuer-specific line, not mapped to a shared definition: OCI, not reclassified (note 10).
  16. Printed under different labels across filings: “Share of other comprehensive income of associate”; “Share of other comprehensive income of associates”.

Balance sheet

Balance sheet, MUR thousands. Columns: FY to 30 Jun 2026 — annual report (signed / final), as reported for the year; FY to 30 Jun 2025 — annual report (signed / final), as reported for the year; FY to 30 Jun 2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY to 30 Jun 2026Annual reportreported for the yearFY to 30 Jun 2025Annual reportreported for the yearFY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing
Cash and cash equivalents 102,564 90,461 69,922
Net investment in lease receivables1 5,430,731 4,363,876 3,213,376
Investment securities 1,508,960 1,446,239 1,158,785
Investment in associate2 7,600,946 7,010,434 7,219,286
Equipment 1,497,410 1,447,852 1,168,411
Intangible assets 39,890 42,945 45,234
Current tax assets –3 1,771 11,065
Other assets 66,663 135,904 142,222
Total assets 16,247,164 14,539,482 13,028,301
Deposits from customers 6,811,545 5,874,969 4,250,506
Borrowings 485,297 530,792 601,574
Current tax liabilities 20,814 –4 –4
Deferred tax liabilities 71,747 68,053 46,266
Other liabilities 172,182 123,726 60,717
Total liabilities 7,561,585 6,597,540 4,959,063
Share capital 103,355 103,355 103,355
Retained earnings 3,488,767 3,033,142 3,216,438
Other components of equity 5,093,457 4,805,445 4,749,445
Total equity 8,685,579 7,941,942 8,069,238
Total equity and liabilities 16,247,164 14,539,482 13,028,301
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (2)
  1. “Net investment in lease receivables” is an issuer-specific line, not mapped to a shared definition: Note 8: finance lease receivables, net.
  2. Printed under different labels across filings: “Investment in associate”; “Investments in associates”.

Cash flow

Cash flow, MUR thousands. Columns: FY to 30 Jun 2026 — annual report (signed / final), as reported for the year; FY to 30 Jun 2025 — annual report (signed / final), as reported for the year; FY to 30 Jun 2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY to 30 Jun 2026Annual reportreported for the yearFY to 30 Jun 2025Annual reportreported for the yearFY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing
Profit/(Loss) before tax12 458,002 (178,770) 312,351
Share of (profits)/losses of associate34 (379,553) 250,608 (260,653)
Loss on disposal of equipment5 1,004 –6 869
Profit on disposal of assets on operating lease7 –6 (814) –6
Loss on disposal of repossessed leased assets8 1,446 2,797 1,231
Amortisation of intangible assets9 6,212 5,042 4,875
Depreciation of equipment10 304,936 263,564 238,210
Interest income11 (383,906) (283,937) (225,176)
Interest expense12 290,919 216,784 191,153
Net decrease in investment at fair value through profit or loss13 –6 5,423 –6
Net impairment on financial assets1415 10,491 7,818 (19,781)
Operating profit16 309,551 288,515 243,079
Other assets17 61,516 (4,257) (25,752)
Other liabilities18 50,275 61,074 (13,889)
Net investment in lease receivables19 (1,123,840) (1,197,705) 19,615
Deposits20 924,628 1,610,742 222,993
Changes in working capital (unlabelled subtotal)21 (87,421) 469,854 202,967
Proceeds from sale of equipment under operating lease22 306,917 107,904 132,369
Purchase of equipment under operating lease23 (660,328) (649,391) (381,990)
Interest received 429,418 325,341 164,414
Interest paid24 (278,840) (201,412) (115,708)
Income tax refund/(paid) 324 7,837 1,543
Net cash flows from operating activities 19,621 348,648 246,674
Purchase of investment securities25 –26 (903,904) (689,724)
Proceeds from sale and maturity of investment securities27 31,720 643,368 553,650
Proceeds from sale of repossessed leased assets28 6,759 7,774 691
Purchase of intangible assets (3,157) (2,753) (25,695)
Purchase of equipment (2,087) (704) –26
Dividends received from associate29 88,095 83,906 81,199
Net cash flows from investing activities 121,330 (172,313) (79,879)
Dividends paid30 (83,349) (83,349) (78,181)
Repayment of borrowings (2,371) (6,320) –31
Net cash flows from financing activities (85,720) (89,669) (159,438)
Increase in cash and cash equivalents 55,231 86,666 7,357
At 1 July (437,049) (523,715) (531,072)
At 30 June (381,818) (437,049) (523,715)
Repayment of bank loan32 Not reported in this filing33 –31 (81,257)
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.native.co_0p4skyqscy4h.cf_operating_profit.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  3. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (30)
  1. “Profit/(Loss) before tax” is an issuer-specific line, not mapped to a shared definition: Start of the indirect operating cash flow.
  2. Printed under different labels across filings: “Loss/(profit) before tax”; “Profit/(Loss) before tax”.
  3. “Share of (profits)/losses of associate” is an issuer-specific line, not mapped to a shared definition: Adjustment.
  4. Printed under different labels across filings: “Share of (losses)/profits of associates”; “Share of (profits)/losses of associate”.
  5. “Loss on disposal of equipment” is an issuer-specific line, not mapped to a shared definition: Adjustment.
  6. “Profit on disposal of assets on operating lease” is an issuer-specific line, not mapped to a shared definition: Adjustment.
  7. “Loss on disposal of repossessed leased assets” is an issuer-specific line, not mapped to a shared definition: Adjustment.
  8. “Amortisation of intangible assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 13).
  9. “Depreciation of equipment” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 12).
  10. “Interest income” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 21(a)).
  11. “Interest expense” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 21(b)).
  12. “Net decrease in investment at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Adjustment.
  13. “Net impairment on financial assets” is an issuer-specific line, not mapped to a shared definition: Adjustment (note 25).
  14. Printed under different labels across filings: “Net impairment loss/(gain) on financial assets”; “Net impairment on financial assets”.
  15. “Operating profit” is an issuer-specific line, not mapped to a shared definition: Printed 'Operating profit' in the cash flow: before working-capital changes.
  16. “Other assets” is an issuer-specific line, not mapped to a shared definition: Working-capital change.
  17. “Other liabilities” is an issuer-specific line, not mapped to a shared definition: Working-capital change.
  18. “Net investment in lease receivables” is an issuer-specific line, not mapped to a shared definition: Working-capital change.
  19. “Deposits” is an issuer-specific line, not mapped to a shared definition: Working-capital change.
  20. “Changes in working capital (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of the changes.
  21. “Proceeds from sale of equipment under operating lease” is an issuer-specific line, not mapped to a shared definition: Operating activities.
  22. “Purchase of equipment under operating lease” is an issuer-specific line, not mapped to a shared definition: Operating activities (note 12).
  23. “Interest paid”: mapping to a shared definition is uncertain. Interest paid on deposits and borrowings together. Read on the page image (visual_only): OCR drops the printed dashes and merges Group and Company cells; the Group columns (first two) are read.
  24. “Purchase of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing.
  25. “Proceeds from sale and maturity of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing.
  26. “Proceeds from sale of repossessed leased assets” is an issuer-specific line, not mapped to a shared definition: Investing.
  27. “Dividends received from associate” is an issuer-specific line, not mapped to a shared definition: Investing.
  28. “Dividends paid”: mapping to a shared definition is uncertain. Dividends paid, ordinary and preference together (statement of changes in equity, p33: 72,349 ordinary and 11,000 preference).
  29. “Repayment of bank loan” is an issuer-specific line, not mapped to a shared definition: Financing (FY2025 report).
  30. Not reported in this filing: Not printed: the FY2026 consolidated statement of cash flows (p39, scanned, checked on the page image) has no 'Repayment of bank loan' line. Its financing section prints 'Dividends paid' (83,349) and 'Repayment of borrowings' (2,371) (already transcribed as repayments_borrowings); it is not reassigned.

Per share and shares

Per share and shares. Columns: FY to 30 Jun 2026 — annual report (signed / final), as reported for the year; FY to 30 Jun 2025 — annual report (signed / final), as reported for the year; FY to 30 Jun 2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY to 30 Jun 2026Annual reportreported for the yearFY to 30 Jun 2025Annual reportreported for the yearFY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing
Earnings / (loss) per share (per share)312 4.18 (1.95) 2.89
Notes and alternative reported figures (3)
  1. “Earnings/(losses) per share (Rs)”: mapping to a shared definition is uncertain. Basic or diluted not stated on the face. Read on the page image (visual_only): OCR drops the printed dashes and merges Group and Company cells; the Group columns (first two) are read.
  2. Printed under different labels across filings: “(Losses)/Earnings per share (Rs)”; “Earnings/(losses) per share (Rs)”.
  3. Earnings / (loss) per share: printed as “Earnings/(losses) per share (Rs)”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
30 Jun 2026 Dividends paid (cash flow statement) Dividends paid (83,349) MUR thousands Annual report, p39
30 Jun 2025 Dividends paid (cash flow statement) Dividends paid (83,349) MUR thousands Annual report, p35
30 Jun 2024 Dividends paid (cash flow statement) Dividends paid (78,181) MUR thousands Annual report, p35

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Fincorp Investment Limited Annual Report Year ended 30 June 2026

    Year ended 30 June 2026 · Annual report · signed / final

    Audit: Deloitte (Mauritius), unmodified opinion · signed

    Auditor's sign-off: Deloitte; Rajeev Tatiah, FCCA, Licensed by FRC

    Final status: Independent auditor's report to the shareholders of Fincorp Investment Limited on the consolidated and separate financial statements, signed by hand for Deloitte, Chartered Accountants, and by Rajeev Tatiah, FCCA, Licensed by FRC, dated 25 September 2026 (PDF p33, page image). The statements were approved by the Board on 25 September 2026 and signed by two directors (Jean-Philippe Coulier, Margaret Wong Ping Lun) (PDF p34).

    Document date
    25 Sep 2026
    Auditor's report
    25 Sep 2026
    Board approval
    25 Sep 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY to 30 Jun 2026
    Basis
    consolidated statements · MUR thousands (printed “Rs' 000”)
    • Cash and cash equivalents in the cash-flow statement are net of bank overdrafts under the accounting policy ((381,818) at 30 June 2026) and differ from cash and cash equivalents on the statement of financial position (102,564), which shows no separate overdraft line. Notes 7 and 16 (pp56, 81) reconcile them: cash before the credit-impairment allowance 102,586 less bank overdrafts within borrowings 484,404 = (381,818) for 2026 (read from the OCR of the notes, not separately transcribed); 2025 differs similarly. The cash-flow-to-balance-sheet checks therefore fail by design.
    • Other income and non-interest expense are printed as unlabelled subtotals under their headings (p35); the cash-flow working-capital changes are an unlabelled subtotal (p39).
    Technical details
    File
    89 pages, scanned (figures read by OCR and checked against the page image)
    SHA-256
    3e87220ee440b0dccfb1b1b995d3e92f89e3493dfc2f4f1bdcc1adba045bb908
    Entity as printed
    FINCORP INVESTMENT LIMITED AND ITS SUBSIDIARY
    Issuer copy
    retrieved 2026-10-08T19:12:02Z

  • Fincorp Investment Limited Annual Report 2025

    Year ended 30 June 2025 · Annual report · signed / final

    Audit: Deloitte (Mauritius), unmodified opinion · signed

    Auditor's sign-off: Deloitte; Rajeev Tatiah, FCCA, Licensed by FRC

    Final status: Independent auditor's report to the shareholders of Fincorp Investment Limited on the consolidated and separate financial statements (PDF pp26-29), unmodified opinion, signed by hand for Deloitte, Chartered Accountants, and by Rajeev Tatiah, FCCA, Licensed by FRC, dated 25 September 2025 (PDF p29, page image). The statements were approved by the Board on 25 September 2025 and signed by hand by two directors (Jean Philippe Coulier, Margaret Wong Ping Lun) (PDF p30, page image).

    Document date
    25 Sep 2025
    Auditor's report
    25 Sep 2025
    Board approval
    25 Sep 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY to 30 Jun 2025, FY to 30 Jun 2024
    Basis
    consolidated statements · MUR thousands (printed “Rs' 000”)
    • Cash and cash equivalents in the cash-flow statement are bank balances before the credit-impairment allowance less bank overdrafts within borrowings (note 7, PDF p68: 90,479 - 527,528 = (437,049); 2024: 69,925 - 593,640 = (523,715)); the statement of financial position prints cash and cash equivalents of 90,461 (2024: 69,922) and no separate overdraft line.
    • HIDDEN TEXT IN THE TEXT LAYER: (1) PDF p34 (separate statement of changes in equity) also holds, invisibly, the whole consolidated statement of changes in equity printed on p33, with the same figures as p33; (2) the notes pages hold an invisible heading 'Notes to the Financial Statements Year ended 30 June 2022' (e.g. p36-p37) while the rendered heading reads 'For the year ended 30 June 2025'. Compared with the renders of p33, p34 and p36. No transcribed figure comes from hidden text, and the hidden figures do not differ from the printed ones.
    • Other income and non-interest expense are printed as unlabelled subtotals under their headings (p31); the cash-flow working-capital changes are an unlabelled subtotal (p35). The consolidated statement of changes in equity is not transcribed.
    Technical details
    File
    86 pages, with a text layer
    SHA-256
    49eba5e44ac9ffede07a29058aa549db0a07fb5618eb80135dbecb670dd703ab
    Entity as printed
    FINCORP INVESTMENT LIMITED AND ITS SUBSIDIARY
    Issuer copy
    retrieved 2026-10-08T19:12:06Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; read from the page image) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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