Personal Group Holdings Income Statement

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	36.22	32.07	28.6	25.26	24.67
Total Interest & Dividend Income	1.15	1.2	0.81	0.15	0.02
Non-Insurance Activities Revenue	10.9	10.28	8.93	24.01	49.61
Other Revenue	0.1	0.14	0.14	0.24	0.22
Total Revenue	48.37	43.68	38.48	49.65	74.51
Revenue Growth (YoY)	10.72%	13.52%	-22.50%	-33.36%	4.18%
Policy Benefits	18.74	16.9	14.62	13.61	6.05
Selling, General & Administrative	13.06	11.46	10.52	8.97	14.64
Non-Insurance Activities Expense	7.66	7.81	7.36	22.6	49.26
Other Operating Expenses	0.07	0.07	0.09	0.03	-0.08
Total Operating Expenses	39.93	36.45	32.77	45.51	70.04
Operating Income	8.44	7.23	5.71	4.14	4.47
Interest Expense	-0.08	-0.11	-0.08	-0.02	-0.03
Other Non Operating Income (Expenses)	-0.12	-0.1	-0.1	-0.1	-0.1
EBT Excluding Unusual Items	8.24	7.03	5.54	4.03	4.34
Merger & Restructuring Charges	-	-0.32	-0.64	-	-
Impairment of Goodwill	-	-	-	-10.58	-
Gain (Loss) on Sale of Investments	0.18	0.12	0.18	-0.21	-
Pretax Income	8.41	6.83	5.08	-6.76	4.34
Income Tax Expense	1.13	1.3	0.9	0.49	0.75
Earnings From Continuing Ops.	7.29	5.53	4.18	-7.25	3.6
Earnings From Discontinued Ops.	-	0.97	0.15	-	-
Net Income	7.29	6.5	4.32	-7.25	3.6
Net Income to Common	7.29	6.5	4.32	-7.25	3.6
Net Income Growth	12.16%	50.23%	-	-	-47.82%
Shares Outstanding (Basic)	31	31	31	31	31
Shares Outstanding (Diluted)	33	32	32	31	31
Shares Change (YoY)	1.86%	1.33%	2.44%	0.00%	0.13%
EPS (Basic)	0.23	0.21	0.14	-0.23	0.12
EPS (Diluted)	0.22	0.20	0.14	-0.23	0.12
EPS Growth	10.02%	48.21%	-	-	-47.96%
Free Cash Flow	9.49	11.34	6.52	2.91	7.35
Free Cash Flow Per Share	0.29	0.35	0.20	0.09	0.24
Dividend Per Share	0.233	0.165	0.117	0.106	0.106
Dividend Growth	41.21%	41.03%	10.38%	-	-42.39%
Operating Margin	17.44%	16.56%	14.84%	8.35%	6.00%
Profit Margin	15.06%	14.87%	11.24%	-14.61%	4.83%
Free Cash Flow Margin	19.62%	25.96%	16.95%	5.86%	9.87%
EBITDA	11.68	7.79	6.54	4.96	5.21
EBITDA Margin	24.14%	17.84%	16.99%	9.99%	6.99%
D&A For EBITDA	3.24	0.56	0.83	0.82	0.73
EBIT	8.44	7.23	5.71	4.14	4.47
EBIT Margin	17.44%	16.56%	14.84%	8.35%	6.00%
Effective Tax Rate	13.41%	19.02%	17.70%	-	17.16%
Revenue as Reported	48.37	43.78	38.59	49.8	74.51

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.