Firstcaution SA (EPA:MLFIR)

Firstcaution Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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

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