Reliance Insurance PLC. (DSE:RELIANCINS)

Reliance Insurance PLC. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,542	1,453	1,339	1,274	1,149	1,063
Total Interest & Dividend Income	721.19	612.31	410.86	309.96	299.41	370.83
Gain (Loss) on Sale of Investments	-	-	0.23	5.65	16.04	1.91
Other Revenue	468.48	417.08	334.15	319.9	276.85	260.23
Total Revenue	2,732	2,483	2,084	1,910	1,741	1,695
Revenue Growth (YoY)	14.60%	19.14%	9.12%	9.68%	2.70%	-13.73%
Policy Benefits	372.82	357.89	328.26	268.49	281.28	100.18
Policy Acquisition & Underwriting Costs	289.56	289.56	281.1	304.87	186.11	432.35
Depreciation & Amortization	28	28	38.83	39.25	39.79	41.56
Selling, General & Administrative	498.26	431.93	423.17	412.45	358.62	324.08
Total Operating Expenses	1,189	1,108	1,072	1,025	898.51	921.58
Operating Income	1,543	1,375	1,012	884.62	842.66	773.9
Other Non Operating Income (Expenses)	-6.7	-6.7	-6.4	-6.01	-5.9	-5.41
EBT Excluding Unusual Items	1,536	1,368	1,006	878.6	836.76	768.49
Gain (Loss) on Sale of Assets	0.67	0.67	0.72	4.08	0.1	1.99
Pretax Income	1,537	1,369	1,007	882.68	836.86	770.48
Income Tax Expense	469.73	410.2	316.43	266.75	249.05	222.3
Net Income	1,067	958.84	690.18	615.93	587.81	548.18
Net Income to Common	1,067	958.84	690.18	615.93	587.81	548.18
Net Income Growth	29.49%	38.93%	12.05%	4.78%	7.23%	-6.36%
Shares Outstanding (Basic)	105	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105	105
EPS (Basic)	10.15	9.12	6.56	5.86	5.59	5.21
EPS (Diluted)	10.15	9.12	6.56	5.86	5.59	5.21
EPS Growth	29.49%	38.93%	12.05%	4.78%	7.23%	-6.36%
Free Cash Flow	380.76	67.56	447.84	538.96	645.8	572.4
Free Cash Flow Per Share	3.62	0.64	4.26	5.13	6.14	5.44
Dividend Per Share	3.000	3.000	2.500	2.500	2.500	2.500
Dividend Growth	20.00%	20.00%	-	-	-	-
Operating Margin	56.47%	55.39%	48.58%	46.32%	48.40%	45.65%
Profit Margin	39.06%	38.62%	33.12%	32.25%	33.76%	32.33%
Free Cash Flow Margin	13.94%	2.72%	21.49%	28.22%	37.09%	33.76%
EBITDA	1,637	1,403	1,051	923.86	882.45	815.45
EBITDA Margin	59.95%	56.51%	50.44%	48.38%	50.68%	48.09%
D&A For EBITDA	94.83	28	38.83	39.25	39.79	41.55
EBIT	1,543	1,375	1,012	884.62	842.66	773.9
EBIT Margin	56.47%	55.39%	48.58%	46.32%	48.40%	45.65%
Effective Tax Rate	30.57%	29.96%	31.44%	30.22%	29.76%	28.85%

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