BVMT:STAR Income Statement

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

Millions TND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 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	392.49	379.58	351.92	343.55	330.59	326.25
Total Interest & Dividend Income	100.85	96.84	96.47	91.25	80.91	65.77
Gain (Loss) on Sale of Investments	5.96	1.09	3.73	7.41	-3.23	0.17
Other Revenue	5.7	5.95	16.3	3.86	5.81	1.14
Total Revenue	505	483.46	468.41	446.06	414.08	393.32
Revenue Growth (YoY)	5.72%	3.21%	5.01%	7.72%	5.28%	-5.46%
Policy Benefits	333.53	335.42	330.02	324.58	301.75	286.03
Policy Acquisition & Underwriting Costs	71.46	67.29	60.59	57.87	56.42	50.19
Selling, General & Administrative	30.85	26.15	24.07	20.98	29.64	28.58
Other Operating Expenses	24.88	25.16	27.4	18.92	13.73	19.45
Reinsurance Income or Expense	11.26	11.1	8.99	6.44	9.33	8.49
Total Operating Expenses	449.47	442.92	433.08	415.9	392.21	375.76
Operating Income	55.53	40.53	35.33	30.16	21.88	17.56
Other Non Operating Income (Expenses)	-0	-	-0	-	0	0
EBT Excluding Unusual Items	55.53	40.53	35.33	30.16	21.88	17.56
Other Unusual Items	-3.8	-2.22	-1.24	-0	-0.01	-0.35
Pretax Income	51.74	38.31	34.1	30.16	21.87	17.2
Income Tax Expense	17.62	10.82	10.82	0.82	0.82	0.81
Earnings From Continuing Ops.	34.11	27.49	23.27	29.34	21.06	16.4
Minority Interest in Earnings	-0	-0	-0	-0	-	-
Net Income	34.11	27.49	23.27	29.34	21.06	16.4
Net Income to Common	34.11	27.49	23.27	29.34	21.06	16.4
Net Income Growth	70.29%	18.14%	-20.69%	39.35%	28.40%	-25.66%
Shares Outstanding (Basic)	10	10	-	10	10	10
Shares Outstanding (Diluted)	10	10	-	10	10	10
EPS (Basic)	3.41	2.75	-	2.93	2.11	1.64
EPS (Diluted)	3.41	2.75	-	2.93	2.11	1.64
EPS Growth	70.29%	-	-	39.35%	28.40%	-25.66%
Free Cash Flow	68.97	60.07	9.75	-100.77	30.5	55.09
Free Cash Flow Per Share	6.90	6.01	-	-10.08	3.05	5.51
Dividend Per Share	1.938	1.938	-	1.435	0.842	-
Dividend Growth	-	-	-	70.41%	-	-
Operating Margin	11.00%	8.38%	7.54%	6.76%	5.28%	4.46%
Profit Margin	6.75%	5.69%	4.97%	6.58%	5.08%	4.17%
Free Cash Flow Margin	13.66%	12.43%	2.08%	-22.59%	7.37%	14.01%
EBITDA	-	-	-	-	23.67	19.35
EBITDA Margin	-	-	-	-	5.72%	4.92%
D&A For EBITDA	-	-	-	-	1.79	1.79
EBIT	55.53	40.53	35.33	30.16	21.88	17.56
EBIT Margin	11.00%	8.38%	7.54%	6.76%	5.28%	4.46%
Effective Tax Rate	34.07%	28.23%	31.75%	2.72%	3.74%	4.68%

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