NobleOak Life Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Premiums & Annuity Revenue	118.61	95.55	335.94	63.7	46.61
Total Interest & Dividend Income	1.74	5.79	7.57	0.3	0.15
Gain (Loss) on Sale of Investments	-0.13	0.39	0.16	-0.12	-0.35
Other Revenue	3.77	3.82	3.8	19.52	17.09
Total Revenue	123.99	105.54	347.46	83.4	63.49
Revenue Growth (YoY)	17.48%	-69.63%	316.62%	31.35%	14.76%
Policy Benefits	82.51	63.93	228.38	10.81	-3.59
Policy Acquisition & Underwriting Costs	1.12	-0.26	-	45.17	38.55
Selling, General & Administrative	-	-	-	21.97	19.36
Other Operating Expenses	24.94	28.33	19.19	-	-
Reinsurance Income or Expense	-	-	-80.67	-	-
Total Operating Expenses	108.57	92	328.24	77.95	54.32
Operating Income	15.42	13.54	19.22	5.46	9.18
Interest Expense	-	-	-	-0.05	-0.09
EBT Excluding Unusual Items	15.42	13.54	19.22	5.41	9.09
Other Unusual Items	-	-	-	-2.81	-1.9
Pretax Income	15.42	13.54	19.22	2.6	7.19
Income Tax Expense	8.31	4.26	5.72	0.92	2.29
Net Income	7.12	9.28	13.51	1.69	4.9
Net Income to Common	7.12	9.28	13.51	1.69	4.9
Net Income Growth	-23.34%	-31.27%	701.54%	-65.63%	-35.79%
Shares Outstanding (Basic)	90	86	86	84	64
Shares Outstanding (Diluted)	92	88	88	86	65
Shares Change (YoY)	3.87%	0.47%	1.99%	31.97%	14.06%
EPS (Basic)	0.08	0.11	0.16	0.02	0.08
EPS (Diluted)	0.08	0.10	0.15	0.02	0.07
EPS Growth	-26.12%	-31.62%	686.66%	-74.00%	-43.69%
Free Cash Flow	58.63	44.27	129.8	27.95	-0.82
Free Cash Flow Per Share	0.64	0.50	1.47	0.32	-0.01
Operating Margin	12.44%	12.83%	5.53%	6.54%	14.45%
Profit Margin	5.74%	8.79%	3.89%	2.02%	7.72%
Free Cash Flow Margin	47.29%	41.95%	37.36%	33.51%	-1.29%
EBITDA	15.92	13.99	19.63	7.25	10.42
EBITDA Margin	12.84%	13.26%	5.65%	8.69%	16.41%
D&A For EBITDA	0.5	0.45	0.41	1.79	1.24
EBIT	15.42	13.54	19.22	5.46	9.18
EBIT Margin	12.44%	12.83%	5.53%	6.54%	14.45%
Effective Tax Rate	53.85%	31.44%	29.73%	35.22%	31.79%

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