BVMT:STAR Income Statement

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

Millions TND. 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	411.28	379.58	351.92	343.55	330.59
Total Interest & Dividend Income	100.51	96.84	96.47	91.25	80.91
Gain (Loss) on Sale of Investments	10.72	1.09	3.73	7.41	-3.23
Other Revenue	9.44	5.95	16.3	3.86	5.81
Total Revenue	531.95	483.46	468.41	446.06	414.08
Revenue Growth (YoY)	10.03%	3.21%	5.01%	7.72%	5.28%
Policy Benefits	338.16	335.42	330.02	324.58	301.75
Policy Acquisition & Underwriting Costs	77.5	67.29	60.59	57.87	56.42
Selling, General & Administrative	35.56	26.15	24.07	20.98	29.64
Other Operating Expenses	28.16	25.16	27.4	18.92	13.73
Reinsurance Income or Expense	12.35	11.1	8.99	6.44	9.33
Total Operating Expenses	467.04	442.92	433.08	415.9	392.21
Operating Income	64.91	40.53	35.33	30.16	21.88
Other Non Operating Income (Expenses)	-	-	-0	-	0
EBT Excluding Unusual Items	64.91	40.53	35.33	30.16	21.88
Other Unusual Items	-4.61	-2.22	-1.24	-0	-0.01
Pretax Income	60.3	38.31	34.1	30.16	21.87
Income Tax Expense	21.41	10.82	10.82	0.82	0.82
Earnings From Continuing Ops.	38.89	27.49	23.27	29.34	21.06
Minority Interest in Earnings	-0	-0	-0	-0	-
Net Income	38.89	27.49	23.27	29.34	21.06
Net Income to Common	38.89	27.49	23.27	29.34	21.06
Net Income Growth	41.46%	18.14%	-20.69%	39.35%	28.40%
Shares Outstanding (Basic)	10	10	-	10	10
Shares Outstanding (Diluted)	10	10	-	10	10
EPS (Basic)	3.89	2.75	-	2.93	2.11
EPS (Diluted)	3.89	2.75	-	2.93	2.11
EPS Growth	41.46%	-	-	39.35%	28.40%
Free Cash Flow	68.04	60.07	9.75	-100.77	30.5
Free Cash Flow Per Share	6.80	6.01	-	-10.08	3.05
Dividend Per Share	-	1.938	-	1.435	0.842
Dividend Growth	-	-	-	70.41%	-
Operating Margin	12.20%	8.38%	7.54%	6.76%	5.28%
Profit Margin	7.31%	5.69%	4.97%	6.58%	5.08%
Free Cash Flow Margin	12.79%	12.43%	2.08%	-22.59%	7.37%
EBITDA	-	-	-	-	23.67
EBITDA Margin	-	-	-	-	5.72%
D&A For EBITDA	-	-	-	-	1.79
EBIT	64.91	40.53	35.33	30.16	21.88
EBIT Margin	12.20%	8.38%	7.54%	6.76%	5.28%
Effective Tax Rate	35.50%	28.23%	31.75%	2.72%	3.74%