Peoples Insurance Income Statement

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

Millions BDT. 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	547.75	495.08	436.76	436.93	323.09	340.89
Total Interest & Dividend Income	171.32	148.19	144.3	132.67	152.38	137.66
Gain (Loss) on Sale of Investments	-10.92	-10.92	0.52	0.49	1.14	4.38
Other Revenue	71.85	69.59	65.19	65.84	49.43	71.18
Total Revenue	780.01	701.95	646.76	635.93	526.04	554.11
Revenue Growth (YoY)	22.15%	8.53%	1.70%	20.89%	-5.07%	-10.71%
Policy Benefits	85.82	112.21	65.74	104.28	38.9	69.22
Policy Acquisition & Underwriting Costs	119.49	104.21	93.42	92.46	35.69	84.42
Depreciation & Amortization	23.01	23.01	20.73	21.05	20.83	20.45
Selling, General & Administrative	294.58	263.55	257.37	245.15	218.34	219.32
Total Operating Expenses	522.9	502.98	437.26	462.94	313.77	393.41
Operating Income	257.1	198.97	209.49	172.99	212.27	160.7
Other Non Operating Income (Expenses)	-0.3	-0.3	-	-	-	-
EBT Excluding Unusual Items	256.8	198.67	209.49	172.99	212.27	160.7
Gain (Loss) on Sale of Assets	0.01	0.01	-0.26	-	-	-
Pretax Income	256.81	198.68	209.23	172.99	212.27	160.7
Income Tax Expense	89.44	67.54	90.28	52.23	93.19	56.28
Net Income	167.37	131.13	118.95	120.76	119.08	104.42
Net Income to Common	167.37	131.13	118.95	120.76	119.08	104.42
Net Income Growth	62.70%	10.24%	-1.50%	1.41%	14.04%	20.87%
Shares Outstanding (Basic)	46	46	46	46	46	46
Shares Outstanding (Diluted)	46	46	46	46	46	46
EPS (Basic)	3.62	2.84	2.57	2.61	2.58	2.26
EPS (Diluted)	3.62	2.84	2.57	2.61	2.58	2.26
EPS Growth	62.70%	10.24%	-1.50%	1.41%	14.04%	20.87%
Free Cash Flow	131.36	94.59	64.9	153.49	189.35	193.18
Free Cash Flow Per Share	2.84	2.05	1.41	3.32	4.10	4.18
Dividend Per Share	1.050	1.050	1.000	1.050	1.250	1.100
Dividend Growth	5.00%	5.00%	-4.76%	-16.00%	13.64%	37.50%
Operating Margin	32.96%	28.34%	32.39%	27.20%	40.35%	29.00%
Profit Margin	21.46%	18.68%	18.39%	18.99%	22.64%	18.84%
Free Cash Flow Margin	16.84%	13.48%	10.03%	24.14%	36.00%	34.86%
EBITDA	282.75	221.98	230.23	194.04	233.1	181.15
EBITDA Margin	36.25%	31.62%	35.60%	30.51%	44.31%	32.69%
D&A For EBITDA	25.65	23.01	20.73	21.05	20.83	20.45
EBIT	257.1	198.97	209.49	172.99	212.27	160.7
EBIT Margin	32.96%	28.34%	32.39%	27.20%	40.35%	29.00%
Effective Tax Rate	34.83%	34.00%	43.15%	30.19%	43.90%	35.02%

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