Bangkok Union Insurance PCL (BKK:BUI)

BKK:BUI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	937.49	914.93	943.75	1,061	864.86	799.27
Total Interest & Dividend Income	29.43	29	25.68	22.86	17.38	14.49
Gain (Loss) on Sale of Investments	-6.15	0.76	2.48	1.91	-2.75	-11.58
Non-Insurance Activities Revenue	73.39	72.25	70.41	68.88	68.39	69.72
Other Revenue	37.49	34.96	31.05	58.83	49.97	45.9
Total Revenue	1,072	1,052	1,073	1,213	997.85	917.8
Revenue Growth (YoY)	-17.34%	-2.00%	-11.54%	21.60%	8.72%	-12.00%
Policy Benefits	419.97	313.37	338.92	467.53	285.03	396.04
Policy Acquisition & Underwriting Costs	221.69	221.69	213.46	264.78	210.31	191.67
Selling, General & Administrative	117	117	113.41	87.78	101.86	82.82
Non-Insurance Activities Expense	34.78	35.68	35.99	51.13	47.6	45.12
Other Operating Expenses	158.19	156.26	201.72	269.51	208.64	186.28
Total Operating Expenses	951.63	843.99	903.5	1,141	853.42	901.93
Operating Income	120.01	207.9	169.88	72.63	144.43	15.87
Other Non Operating Income (Expenses)	1.16	-	-	-	-	-
Pretax Income	121.7	207.9	169.88	72.63	144.43	15.87
Income Tax Expense	26.68	39.61	31.21	12.54	52.02	2.85
Net Income	95.02	168.29	138.67	60.09	92.41	13.02
Net Income to Common	95.02	168.29	138.67	60.09	92.41	13.02
Net Income Growth	-35.58%	21.37%	130.76%	-34.97%	609.71%	52.01%
Shares Outstanding (Basic)	44	41	41	41	41	41
Shares Outstanding (Diluted)	44	41	41	41	41	41
Shares Change (YoY)	2.63%	-	-0.00%	-0.00%	-	-
EPS (Basic)	2.15	4.08	3.36	1.46	2.24	0.32
EPS (Diluted)	2.15	4.08	3.36	1.46	2.24	0.32
EPS Growth	-37.23%	21.37%	130.76%	-34.97%	609.71%	52.01%
Free Cash Flow	20.07	-52.71	-0.89	115.33	126.61	-25.06
Free Cash Flow Per Share	0.46	-1.28	-0.02	2.80	3.07	-0.61
Dividend Per Share	2.800	2.800	0.240	0.364	0.727	0.182
Dividend Growth	1066.67%	1066.67%	-33.99%	-50.01%	300.06%	-
Operating Margin	11.20%	19.76%	15.83%	5.99%	14.47%	1.73%
Profit Margin	8.87%	16.00%	12.92%	4.95%	9.26%	1.42%
Free Cash Flow Margin	1.87%	-5.01%	-0.08%	9.50%	12.69%	-2.73%
EBITDA	121.49	209.91	171.41	90.73	163.42	35.83
EBITDA Margin	11.34%	19.96%	15.97%	7.48%	16.38%	3.90%
D&A For EBITDA	1.48	2.01	1.52	18.11	18.99	19.96
EBIT	120.01	207.9	169.88	72.63	144.43	15.87
EBIT Margin	11.20%	19.76%	15.83%	5.99%	14.47%	1.73%
Effective Tax Rate	21.92%	19.05%	18.37%	17.26%	36.02%	17.95%
Revenue as Reported	1,049	1,049	1,074	1,213	998.33	928.49

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