Firstcaution Income Statement

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

Millions CHF. 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	29.47	26.36	22.9	19.2	17.18
Total Interest & Dividend Income	-	0.23	0.05	0.01	0.01
Other Revenue	-1.5	0.34	0.19	0.31	0.28
Total Revenue	27.97	26.92	23.15	19.52	17.48
Revenue Growth (YoY)	3.87%	16.33%	18.58%	11.67%	12.17%
Policy Benefits	8.42	7.1	6.17	4.32	4.37
Policy Acquisition & Underwriting Costs	15.98	7.21	7.23	6.29	6.91
Depreciation & Amortization	0.86	0.71	0.66	0.42	0.39
Other Operating Expenses	-	2.45	1.34	1.64	1.22
Total Operating Expenses	25.26	25.06	22.82	19.89	19
Operating Income	2.71	1.86	0.32	-0.37	-1.52
Interest Expense	-0.14	-0.38	-0.21	-0.14	-0.11
Other Non Operating Income (Expenses)	0.14	-	-0	-	-
EBT Excluding Unusual Items	2.71	1.48	0.12	-0.51	-1.63
Other Unusual Items	-0	-0.08	-0.08	0.1	1.27
Pretax Income	2.71	1.4	0.04	-0.41	-0.36
Income Tax Expense	0.41	0.1	0.01	0.01	0.01
Net Income	2.29	1.3	0.02	-0.42	-0.37
Net Income to Common	2.29	1.3	0.02	-0.42	-0.37
Net Income Growth	76.72%	5257.00%	-	-	-
Shares Outstanding (Basic)	-	4	4	4	-
Shares Outstanding (Diluted)	-	4	4	4	-
EPS (Basic)	-	0.34	0.01	-0.11	-
EPS (Diluted)	-	0.34	0.01	-0.11	-
EPS Growth	-	5257.09%	-	-	-
Free Cash Flow	9.1	8.42	11.27	8.31	6.69
Free Cash Flow Per Share	-	2.23	2.98	2.20	-
Dividend Per Share	-	0.159	-	-	-
Operating Margin	9.68%	6.91%	1.40%	-1.90%	-8.67%
Profit Margin	8.21%	4.82%	0.10%	-2.16%	-2.11%
Free Cash Flow Margin	32.54%	31.27%	48.69%	42.56%	38.28%
EBITDA	3.57	2.57	0.98	-0.01	-1.13
EBITDA Margin	12.77%	9.56%	4.25%	-0.06%	-6.46%
D&A For EBITDA	0.86	0.71	0.66	0.36	0.39
EBIT	2.71	1.86	0.32	-0.37	-1.52
EBIT Margin	9.68%	6.91%	1.40%	-1.90%	-8.67%
Effective Tax Rate	15.20%	7.07%	34.50%	-	-
Revenue as Reported	27.97	24.24	21.76	17.87	16.25