NobleOak Life Income Statement

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

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	132.33	118.61	95.55	335.94	63.7	46.61
Total Interest & Dividend Income	7.18	1.74	5.79	7.57	0.3	0.15
Gain (Loss) on Sale of Investments	-1.99	-0.13	0.39	0.16	-0.12	-0.35
Other Revenue	4	3.77	3.82	3.8	19.52	17.09
Total Revenue	141.51	123.99	105.54	347.46	83.4	63.49
Revenue Growth (YoY)	19.30%	17.48%	-69.63%	316.62%	31.35%	14.76%
Policy Benefits	96.98	82.51	63.93	228.38	10.81	-3.59
Policy Acquisition & Underwriting Costs	1.71	1.12	-0.26	-	45.17	38.55
Selling, General & Administrative	-	-	-	-	21.97	19.36
Other Operating Expenses	30.1	24.94	28.33	19.19	-	-
Reinsurance Income or Expense	-	-	-	-80.67	-	-
Total Operating Expenses	128.79	108.57	92	328.24	77.95	54.32
Operating Income	12.72	15.42	13.54	19.22	5.46	9.18
Interest Expense	-	-	-	-	-0.05	-0.09
EBT Excluding Unusual Items	12.72	15.42	13.54	19.22	5.41	9.09
Other Unusual Items	-	-	-	-	-2.81	-1.9
Pretax Income	12.72	15.42	13.54	19.22	2.6	7.19
Income Tax Expense	7.54	8.31	4.26	5.72	0.92	2.29
Net Income	5.18	7.12	9.28	13.51	1.69	4.9
Net Income to Common	5.18	7.12	9.28	13.51	1.69	4.9
Net Income Growth	-64.63%	-23.34%	-31.27%	701.54%	-65.63%	-35.79%
Shares Outstanding (Basic)	92	90	86	86	84	64
Shares Outstanding (Diluted)	95	92	88	88	86	65
Shares Change (YoY)	6.42%	3.87%	0.47%	1.99%	31.97%	14.06%
EPS (Basic)	0.06	0.08	0.11	0.16	0.02	0.08
EPS (Diluted)	0.05	0.08	0.10	0.15	0.02	0.07
EPS Growth	-66.73%	-26.12%	-31.62%	686.66%	-74.00%	-43.69%
Free Cash Flow	49.8	58.63	44.27	129.8	27.95	-0.82
Free Cash Flow Per Share	0.53	0.64	0.50	1.47	0.32	-0.01
Operating Margin	8.99%	12.44%	12.83%	5.53%	6.54%	14.45%
Profit Margin	3.66%	5.74%	8.79%	3.89%	2.02%	7.72%
Free Cash Flow Margin	35.19%	47.29%	41.95%	37.36%	33.51%	-1.29%
EBITDA	13.11	15.92	13.99	19.63	7.25	10.42
EBITDA Margin	9.27%	12.84%	13.26%	5.65%	8.69%	16.41%
D&A For EBITDA	0.4	0.5	0.45	0.41	1.79	1.24
EBIT	12.72	15.42	13.54	19.22	5.46	9.18
EBIT Margin	8.99%	12.44%	12.83%	5.53%	6.54%	14.45%
Effective Tax Rate	59.25%	53.85%	31.44%	29.73%	35.22%	31.79%

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