Phoenix Insurance Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	448.98	420.38	418.63	274.1	378.48	380.32
Total Interest & Dividend Income	55.92	51.09	36.56	31.07	32.49	33.55
Gain (Loss) on Sale of Investments	26.67	26.67	0.4	-2.03	-	-
Other Revenue	76.38	73.46	67.89	80.21	53.06	69.93
Total Revenue	607.95	571.59	523.47	383.35	464.02	483.8
Revenue Growth	21.70%	9.19%	36.55%	-17.39%	-4.09%	2.91%
Policy Benefits	115.55	105.5	77.39	-77.1	7.55	60.72
Policy Acquisition & Underwriting Costs	62.32	114.14	99.69	90.98	80.14	46.25
Depreciation & Amortization	24.16	24.16	37.36	36.42	34.15	11.94
Selling, General & Administrative	238.5	226.64	232.99	238.48	227.58	239.65
Total Operating Expenses	463.08	475.77	453.36	299.93	359.42	369.56
Operating Income	144.86	95.82	70.11	83.42	104.6	114.25
Other Non Operating Income (Expenses)	-1.19	-1.19	-1.51	-1.21	-1.52	-1.03
EBT Excluding Unusual Items	143.67	94.63	68.6	82.21	103.08	113.22
Gain (Loss) on Sale of Assets	0.67	0.67	0.89	-0.35	1.86	3.71
Pretax Income	144.34	95.31	69.5	81.86	104.95	116.93
Income Tax Expense	31.79	13.74	8.61	17.67	23.45	28.14
Net Income	112.55	81.57	60.88	64.19	81.49	88.79
Net Income to Common	112.55	81.57	60.88	64.19	81.49	88.79
Net Income Growth	79.10%	33.97%	-5.15%	-21.23%	-8.22%	-5.53%
Shares Outstanding (Basic)	40	40	40	40	40	40
Shares Outstanding (Diluted)	40	40	40	40	40	40
Shares Change	0.02%	-	-	-	-	-
EPS (Basic)	2.79	2.02	1.51	1.59	2.02	2.20
EPS (Diluted)	2.79	2.02	1.51	1.59	2.02	2.20
EPS Growth	79.06%	33.97%	-5.15%	-21.23%	-8.22%	-5.53%
Free Cash Flow	92.68	15.03	-11.35	27.26	39.49	148.57
Free Cash Flow Per Share	2.30	0.37	-0.28	0.68	0.98	3.68
Dividend Per Share	1.200	1.200	1.000	1.200	1.500	1.500
Dividend Growth	20.00%	20.00%	-16.67%	-20.00%	0%	0%
Operating Margin	23.83%	16.76%	13.39%	21.76%	22.54%	23.61%
Profit Margin	18.51%	14.27%	11.63%	16.74%	17.56%	18.35%
Free Cash Flow Margin	15.24%	2.63%	-2.17%	7.11%	8.51%	30.71%
EBITDA	157.14	107.53	82.5	94.95	118.18	126.18
EBITDA Margin	25.85%	18.81%	15.76%	24.77%	25.47%	26.08%
D&A For EBITDA	12.28	11.7	12.39	11.53	13.57	11.94
EBIT	144.86	95.82	70.11	83.42	104.6	114.25
EBIT Margin	23.83%	16.76%	13.39%	21.76%	22.54%	23.61%
Effective Tax Rate	22.02%	14.42%	12.39%	21.58%	22.35%	24.07%