FBD Holdings Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 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	463.5	441.01	401.03	379.7	334.25	315.23
Total Interest & Dividend Income	18.02	21.11	21.58	-18.1	9.16	10.51
Gain (Loss) on Sale of Investments	-0.66	-0.66	-2.3	-	7.51	1.44
Non-Insurance Activities Revenue	2.9	3.67	2.47	3.17	7.31	9.38
Total Revenue	483.76	465.13	422.78	364.78	358.23	336.57
Revenue Growth (YoY)	8.45%	10.02%	15.90%	1.83%	6.43%	-7.78%
Policy Benefits	332.3	329.91	274.72	248.59	123.54	221.4
Policy Acquisition & Underwriting Costs	5.26	-	-	-	4.93	4.54
Selling, General & Administrative	-	-	-	-	92.31	86.86
Non-Insurance Activities Expense	10.86	10.6	6.93	6.05	6.14	7.28
Other Operating Expenses	31.77	6.7	18.33	8.4	22.14	9.68
Reinsurance Income or Expense	-	-	-	-	3.86	2.87
Total Operating Expenses	380.18	347.2	299.98	263.04	245.19	326.89
Operating Income	103.57	117.93	122.79	101.73	113.04	9.69
Interest Expense	-2.57	-2.56	-2.56	-2.56	-2.55	-2.58
Other Non Operating Income (Expenses)	-38.58	-37.8	-34.02	-33.05	-	-
EBT Excluding Unusual Items	62.43	77.57	86.22	66.13	110.49	7.11
Asset Writedown	-0.5	-0.5	-4.81	-0.29	-0.06	-2.3
Pretax Income	61.93	77.07	81.41	65.84	110.44	4.8
Income Tax Expense	7.96	9.86	11.87	8.28	14.03	0.41
Earnings From Continuing Ops.	53.97	67.21	69.54	57.56	96.41	4.39
Net Income to Company	53.97	67.21	69.54	57.56	96.41	4.39
Net Income	53.97	67.21	69.54	57.56	96.41	4.39
Preferred Dividends & Other Adjustments	0.28	0.28	0.28	0.28	0.28	-
Net Income to Common	53.68	66.92	69.26	57.27	96.13	4.39
Net Income Growth	-16.06%	-3.36%	20.82%	-40.30%	2096.11%	-95.53%
Shares Outstanding (Basic)	36	36	36	36	35	35
Shares Outstanding (Diluted)	37	37	37	36	36	36
Shares Change (YoY)	1.45%	-0.07%	0.62%	1.38%	0.59%	0.69%
EPS (Basic)	1.49	1.86	1.94	1.61	2.74	0.13
EPS (Diluted)	1.46	1.83	1.90	1.57	2.68	0.12
EPS Growth	-18.09%	-3.68%	21.02%	-41.42%	2133.35%	-95.65%
Free Cash Flow	59.23	79.52	61.5	96.89	48.25	72.47
Free Cash Flow Per Share	1.61	2.17	1.68	2.66	1.34	2.03
Dividend Per Share	1.000	1.000	1.000	1.000	1.000	-
Operating Margin	21.41%	25.35%	29.04%	27.89%	31.55%	2.88%
Profit Margin	11.10%	14.39%	16.38%	15.70%	26.83%	1.30%
Free Cash Flow Margin	12.24%	17.10%	14.55%	26.56%	13.47%	21.53%
EBITDA	113.4	127.49	132.27	113.04	129.58	20.08
EBITDA Margin	23.44%	27.41%	31.29%	30.99%	36.17%	5.96%
D&A For EBITDA	9.82	9.57	9.48	11.3	16.55	10.39
EBIT	103.57	117.93	122.79	101.73	113.04	9.69
EBIT Margin	21.41%	25.35%	29.04%	27.89%	31.55%	2.88%
Effective Tax Rate	12.86%	12.79%	14.58%	12.58%	12.70%	8.58%
Revenue as Reported	-	-	-	-	357.23	335

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