Assurances Multirisques Ittihad (BVMT:BNASS)

BVMT:BNASS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	169.83	163.21	155.43	181.5	136.25	141.88
Total Interest & Dividend Income	28.64	27.72	28.41	22.03	15.63	14.76
Gain (Loss) on Sale of Investments	6.58	-0.3	-2.97	-1.32	-2.78	-1.71
Other Revenue	0.43	0.24	0.02	0.03	0.23	0.02
Total Revenue	205.47	190.87	180.9	202.24	149.33	154.95
Revenue Growth (YoY)	1.60%	5.51%	-10.55%	35.43%	-3.63%	-6.89%
Policy Benefits	119.66	111.85	119.08	152.2	96.15	96.42
Policy Acquisition & Underwriting Costs	52.76	50.43	43.72	32.46	27.82	23.59
Selling, General & Administrative	7.99	6.18	6.17	8.75	8.44	11.41
Other Operating Expenses	8.11	7.26	4.69	4.2	15.94	23.83
Reinsurance Income or Expense	1.84	1.56	1.67	1.34	1.52	1.26
Total Operating Expenses	186.69	174.16	171.98	196.26	146.84	153.99
Operating Income	18.78	16.71	8.92	5.99	2.49	0.96
Other Non Operating Income (Expenses)	-	-	-	-	-0.4	-
EBT Excluding Unusual Items	18.78	16.71	8.92	5.99	2.09	0.96
Other Unusual Items	-0.32	-0.01	-0.01	-0	-0	-0.01
Pretax Income	18.46	16.7	8.91	5.98	2.09	0.96
Income Tax Expense	1.75	0.39	0.33	0.41	0.32	0.33
Earnings From Continuing Ops.	16.72	16.32	8.58	5.57	1.77	0.62
Net Income	16.72	16.32	8.58	5.57	1.77	0.62
Net Income to Common	16.72	16.32	8.58	5.57	1.77	0.62
Net Income Growth	200.10%	90.20%	54.00%	215.31%	182.81%	-
Shares Outstanding (Basic)	87	87	87	87	87	41
Shares Outstanding (Diluted)	87	87	87	87	87	41
Shares Change (YoY)	-	-	-	-	113.23%	-0.00%
EPS (Basic)	0.19	0.19	0.10	0.06	0.02	0.02
EPS (Diluted)	0.19	0.19	0.10	0.06	0.02	0.02
EPS Growth	200.10%	90.20%	54.00%	215.32%	32.62%	-
Free Cash Flow	-6.17	4.73	1.89	-2.83	-133.85	1.43
Free Cash Flow Per Share	-0.07	0.05	0.02	-0.03	-1.53	0.04
Operating Margin	9.14%	8.76%	4.93%	2.96%	1.67%	0.62%
Profit Margin	8.13%	8.55%	4.74%	2.75%	1.18%	0.40%
Free Cash Flow Margin	-3.00%	2.48%	1.04%	-1.40%	-89.63%	0.92%
EBITDA	22.63	23.4	12.1	6.63	9.47	13.7
EBITDA Margin	11.01%	12.26%	6.69%	3.28%	6.34%	8.84%
D&A For EBITDA	3.85	6.69	3.18	0.65	6.97	12.74
EBIT	18.78	16.71	8.92	5.99	2.49	0.96
EBIT Margin	9.14%	8.76%	4.93%	2.96%	1.67%	0.62%
Effective Tax Rate	9.47%	2.31%	3.75%	6.93%	15.42%	34.60%

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