BVL:VIVSEGC1 Income Statement

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	464.82	294.87	-3.15	-4.63	-3.89	-4.3
Total Interest & Dividend Income	62.75	59.55	44.38	32.59	21.96	15.98
Gain (Loss) on Sale of Investments	0.05	0.09	0.45	0.66	3.63	2.4
Other Revenue	10.63	-7.83	-5.26	3.89	-4.07	-4.24
Total Revenue	538.26	346.69	36.42	32.51	17.64	9.85
Revenue Growth (YoY)	102.75%	852.03%	12.03%	84.23%	79.20%	-33.11%
Policy Benefits	373.65	207.04	22.93	12.14	15.15	9.89
Policy Acquisition & Underwriting Costs	2.86	5.71	4.5	4.93	3.5	2.62
Depreciation & Amortization	0.21	0.71	0.62	0.65	0.64	0.53
Selling, General & Administrative	24.23	7.36	5.74	4.5	4.41	3.62
Other Operating Expenses	3.45	0.42	0.32	0.26	0.21	0.22
Total Operating Expenses	411.55	244.27	51.1	37.93	37.19	27.55
Operating Income	126.71	102.43	-14.69	-5.42	-19.55	-17.7
Currency Exchange Gain (Loss)	-2.72	0.63	-0.21	-0.82	0.83	1.71
Other Non Operating Income (Expenses)	-3.65	-	-	-	-0.68	-0.31
EBT Excluding Unusual Items	120.34	103.05	-14.9	-6.24	-19.39	-16.31
Gain (Loss) on Sale of Assets	-0.09	-0.33	-0.38	-0.32	-0.07	-0.14
Pretax Income	120.25	102.72	-15.28	-6.55	-19.46	-16.44
Income Tax Expense	5.68	7.1	-	-	-	-
Net Income	114.57	95.63	-15.28	-6.55	-19.46	-16.44
Net Income to Common	114.57	95.63	-15.28	-6.55	-19.46	-16.44
Net Income Growth	81.84%	-	-	-	-	-
Shares Outstanding (Basic)	167	156	121	104	79	70
Shares Outstanding (Diluted)	167	156	121	104	79	70
Shares Change (YoY)	13.81%	29.04%	16.66%	31.04%	12.06%	-
EPS (Basic)	0.69	0.61	-0.13	-0.06	-0.25	-0.23
EPS (Diluted)	0.69	0.61	-0.13	-0.06	-0.25	-0.23
EPS Growth	59.78%	-	-	-	-	-
Free Cash Flow	455.65	339.4	105.29	131.23	95.1	55.96
Free Cash Flow Per Share	2.73	2.18	0.87	1.27	1.20	0.79
Operating Margin	23.54%	29.54%	-40.33%	-16.68%	-110.78%	-179.78%
Profit Margin	21.29%	27.58%	-41.95%	-20.16%	-110.27%	-166.99%
Free Cash Flow Margin	84.65%	97.90%	289.13%	403.73%	538.97%	568.33%
EBITDA	127.67	103.09	-13.83	-4.55	-18.7	-17.24
EBITDA Margin	23.72%	29.74%	-37.97%	-14.00%	-105.98%	-175.11%
D&A For EBITDA	0.96	0.67	0.86	0.87	0.85	0.46
EBIT	126.71	102.43	-14.69	-5.42	-19.55	-17.7
EBIT Margin	23.54%	29.54%	-40.33%	-16.68%	-110.78%	-179.78%
Effective Tax Rate	4.72%	6.91%	-	-	-	-

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