Charan Insurance PCL Income Statement

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

Millions THB. 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	445.1	344.11	259.92	421.56	139
Total Interest & Dividend Income	18.42	18.73	18.79	19.44	19.19
Gain (Loss) on Sale of Investments	-	-	1.83	0.38	-16.94
Other Revenue	2.38	2.38	32.51	40.05	22.3
Total Revenue	465.9	365.22	313.05	481.43	163.55
Revenue Growth (YoY)	27.57%	16.67%	-34.98%	194.36%	-44.10%
Policy Benefits	375.65	300.13	123.66	141.77	39.61
Policy Acquisition & Underwriting Costs	-	-	114.35	207.4	120.6
Selling, General & Administrative	-	-	41.78	42.49	38.28
Other Operating Expenses	38.9	30.64	3.45	4.06	2.82
Reinsurance Income or Expense	-17.91	-34.25	-	-	-
Total Operating Expenses	432.46	365.02	282.9	395.72	201.3
Operating Income	33.44	0.2	30.15	85.72	-37.75
Other Non Operating Income (Expenses)	-0	-0.6	0.62	-0.6	0.47
EBT Excluding Unusual Items	33.44	-0.4	30.77	85.12	-37.28
Gain (Loss) on Sale of Investments	0.1	8.56	-	-	-
Pretax Income	33.54	8.16	30.77	85.12	-37.28
Income Tax Expense	2.88	10.18	3.41	15.32	-8.96
Net Income	30.66	-2.02	27.37	69.8	-28.31
Net Income to Common	30.66	-2.02	27.37	69.8	-28.31
Net Income Growth	-	-	-60.79%	-	-
Shares Outstanding (Basic)	12	12	12	12	12
Shares Outstanding (Diluted)	12	12	12	12	12
EPS (Basic)	2.55	-0.17	2.28	5.82	-2.36
EPS (Diluted)	2.55	-0.17	2.28	5.82	-2.36
EPS Growth	-	-	-60.79%	-	-
Free Cash Flow	-26.02	62.56	32.02	-74.28	104.46
Free Cash Flow Per Share	-2.17	5.21	2.67	-6.19	8.71
Dividend Per Share	0.900	-	1.250	2.000	-
Dividend Growth	-	-	-37.50%	-	-
Operating Margin	7.18%	0.06%	9.63%	17.80%	-23.08%
Profit Margin	6.58%	-0.55%	8.74%	14.50%	-17.31%
Free Cash Flow Margin	-5.58%	17.13%	10.23%	-15.43%	63.87%
EBITDA	33.94	0.49	30.39	85.99	-37.37
EBITDA Margin	7.29%	0.13%	9.71%	17.86%	-22.85%
D&A For EBITDA	0.5	0.29	0.24	0.27	0.37
EBIT	33.44	0.2	30.15	85.72	-37.75
EBIT Margin	7.18%	0.06%	9.63%	17.80%	-23.08%
Effective Tax Rate	8.60%	124.73%	11.07%	18.00%	-
Revenue as Reported	-	-	311.22	481.06	180.49

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