AMS Osiguranje a.d. (BELEX:AMSO)
Serbia · Delayed Price · Currency is EUR · Price in RSD 3,950.00
-1,550.00 (-28.18%)
At close: Jun 19, 2026
AMS Osiguranje a.d. Income Statement
Financials in millions RSD. Fiscal year is January - December.
Millions RSD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 7,927 | 7,588 | 6,626 | 5,811 | 4,747 | 4,407 |
Total Interest & Dividend Income | 330.47 | 307.73 | 281.64 | 210.04 | 77.74 | 87.64 |
Gain (Loss) on Sale of Investments | 45.61 | 55.01 | 36.19 | 23.01 | 34.97 | 20.59 |
Other Revenue | 118.59 | 4.23 | 9.93 | 6.64 | 3.49 | 7.04 |
| 8,422 | 7,955 | 6,953 | 6,071 | 4,863 | 4,522 | |
Revenue Growth | 12.06% | 14.41% | 14.54% | 24.84% | 7.54% | 11.45% |
Policy Benefits | 5,746 | 5,405 | 4,820 | 3,934 | 3,143 | 2,401 |
Policy Acquisition & Underwriting Costs | 2,545 | 2,301 | 1,847 | 1,514 | 1,269 | 1,188 |
Depreciation & Amortization | 42.07 | 40.86 | 33.47 | 32.18 | 22.35 | 21.51 |
Selling, General & Administrative | 202.27 | 187.55 | 182.15 | 170.34 | 155.3 | 176.19 |
Provision for Bad Debts | 39.82 | 25.91 | 0.41 | 109.76 | 39.78 | 282.65 |
Other Operating Expenses | -369.98 | -369.98 | -280.89 | -151.01 | -140.41 | -117.46 |
Reinsurance Income or Expense | 187.35 | 134.84 | 92.66 | 60.37 | 36.94 | 18.51 |
Total Operating Expenses | 8,189 | 7,619 | 6,668 | 5,681 | 4,576 | 4,039 |
Operating Income | 232.82 | 336.63 | 284.93 | 389.79 | 286.79 | 483.16 |
Interest Expense | -5.02 | -4.21 | -4.66 | -6.99 | -2.5 | -3.42 |
Currency Exchange Gain (Loss) | 0.87 | 1.68 | -0.17 | 0.86 | 2.6 | 0.15 |
Other Non Operating Income (Expenses) | 60.55 | 8.58 | 46.23 | -61.59 | -25.96 | 156.6 |
EBT Excluding Unusual Items | 289.22 | 342.67 | 326.34 | 322.06 | 260.92 | 636.49 |
Gain (Loss) on Sale of Assets | -0.17 | -0.17 | -3.25 | -3.47 | -0.41 | 1.49 |
Asset Writedown | - | - | - | 12.63 | - | - |
Legal Settlements | 47.72 | 47.72 | 40.92 | 29.44 | 19.42 | 18.02 |
Other Unusual Items | 0.06 | 0.06 | 0.3 | 0.24 | 0.1 | 0.2 |
Pretax Income | 329.53 | 390.28 | 364.31 | 360.9 | 280.03 | 656.2 |
Income Tax Expense | 38.98 | 45.65 | 41.96 | 49.11 | 51.19 | 132.11 |
Earnings From Continuing Ops. | 290.55 | 344.63 | 322.35 | 311.79 | 228.84 | 524.09 |
Earnings From Discontinued Ops. | -9.62 | -25.88 | -27.59 | -38.38 | -12.64 | -1.38 |
Net Income | 280.93 | 318.75 | 294.77 | 273.41 | 216.2 | 522.72 |
Preferred Dividends & Other Adjustments | - | - | - | - | - | 1.55 |
Net Income to Common | 280.93 | 318.75 | 294.77 | 273.41 | 216.2 | 521.17 |
Net Income Growth | -13.84% | 8.13% | 7.81% | 26.46% | -58.51% | -10.95% |
Shares Outstanding (Basic) | - | 0 | 0 | 0 | 0 | 0 |
Shares Outstanding (Diluted) | - | 0 | 0 | 0 | 0 | 0 |
Shares Change | - | - | - | - | 31.79% | - |
EPS (Basic) | - | 768.90 | 711.05 | 659.54 | 521.54 | 1656.87 |
EPS (Diluted) | - | 768.90 | 711.05 | 659.54 | 521.54 | 1656.87 |
EPS Growth | - | 8.13% | 7.81% | 26.46% | -68.52% | -10.95% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Free Cash Flow | 114.63 | 73.95 | 110.48 | 289.56 | 332.93 | 463.41 |
Free Cash Flow Per Share | - | 178.38 | 266.50 | 698.50 | 803.10 | 1473.26 |
Operating Margin | 2.76% | 4.23% | 4.10% | 6.42% | 5.90% | 10.69% |
Profit Margin | 3.34% | 4.01% | 4.24% | 4.50% | 4.45% | 11.53% |
Free Cash Flow Margin | 1.36% | 0.93% | 1.59% | 4.77% | 6.85% | 10.25% |
EBITDA | 261.55 | 364.15 | 303.24 | 404.98 | 299.39 | 495.88 |
EBITDA Margin | 3.11% | 4.58% | 4.36% | 6.67% | 6.16% | 10.97% |
D&A For EBITDA | 28.73 | 27.52 | 18.3 | 15.19 | 12.61 | 12.73 |
EBIT | 232.82 | 336.63 | 284.93 | 389.79 | 286.79 | 483.16 |
EBIT Margin | 2.76% | 4.23% | 4.10% | 6.42% | 5.90% | 10.69% |
Effective Tax Rate | 11.83% | 11.70% | 11.52% | 13.61% | 18.28% | 20.13% |
Revenue as Reported | 7,475 | 7,475 | 6,557 | 5,735 | 4,685 | 4,255 |