BVL:QUALSGC1 Income Statement

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

Millions PEN. 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	110.22	93.56	74.61	70.34	59.03
Total Interest & Dividend Income	4.4	4.41	5.08	2.64	0.28
Total Revenue	114.62	97.97	79.69	72.98	59.32
Revenue Growth (YoY)	16.99%	22.94%	9.19%	23.03%	53.06%
Policy Benefits	68.26	48.5	45.93	36.52	18.43
Policy Acquisition & Underwriting Costs	29.28	26.86	25.62	28.04	25.05
Depreciation & Amortization	-	1.26	1.13	1	0.94
Selling, General & Administrative	28.86	10.39	7.09	5.83	4.14
Other Operating Expenses	1.39	0.52	1.01	0.89	0.15
Total Operating Expenses	127.79	100.04	90.51	80.43	55.7
Operating Income	-13.17	-2.07	-10.82	-7.45	3.62
Interest Expense	-0.43	-	-	-	-
Currency Exchange Gain (Loss)	-0.72	0.05	-0.32	-0.52	0.75
Other Non Operating Income (Expenses)	-	0	-	-	-
EBT Excluding Unusual Items	-14.33	-2.02	-11.14	-7.96	4.37
Gain (Loss) on Sale of Assets	-	0.03	-	0.01	-
Other Unusual Items	-	1.56	1.17	-	-
Pretax Income	-14.33	-0.43	-9.97	-7.95	4.37
Income Tax Expense	-3.36	-0.47	-2.53	-2.44	1.24
Net Income	-10.97	0.03	-7.45	-5.51	3.12
Net Income to Common	-10.97	0.03	-7.45	-5.51	3.12
Net Income Growth	-	-	-	-	-36.75%
Shares Outstanding (Basic)	314	270	261	246	236
Shares Outstanding (Diluted)	314	270	261	246	236
Shares Change (YoY)	16.09%	3.73%	5.96%	4.29%	-
EPS (Basic)	-0.03	0.00	-0.03	-0.02	0.01
EPS (Diluted)	-0.03	0.00	-0.03	-0.02	0.01
EPS Growth	-	-	-	-	-36.75%
Free Cash Flow	-35.42	-8.37	-11.2	3.11	7.95
Free Cash Flow Per Share	-0.11	-0.03	-0.04	0.01	0.03
Operating Margin	-11.49%	-2.11%	-13.58%	-10.20%	6.10%
Profit Margin	-9.57%	0.03%	-9.35%	-7.56%	5.27%
Free Cash Flow Margin	-30.90%	-8.55%	-14.06%	4.26%	13.41%
EBITDA	-11.54	-0.81	-9.69	-6.41	4.56
EBITDA Margin	-10.07%	-0.82%	-12.16%	-8.79%	7.68%
D&A For EBITDA	1.63	1.26	1.13	1.03	0.94
EBIT	-13.17	-2.07	-10.82	-7.45	3.62
EBIT Margin	-11.49%	-2.11%	-13.58%	-10.20%	6.10%
Effective Tax Rate	-	-	-	-	28.48%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.