Challenger Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Premiums & Annuity Revenue	831.7	750.5	635.8	438.9	290	1,601
Total Interest & Dividend Income	1,608	1,497	1,428	301.8	930.8	965.6
Gain (Loss) on Sale of Investments	219.1	219.1	428.6	74.9	-1,294	154.6
Non-Insurance Activities Revenue	42.8	-	-	62.1	263.1	213.5
Other Revenue	98.2	622.9	297	1,697	-519.9	391.7
Total Revenue	2,800	3,090	2,789	2,575	-330.4	3,326
Revenue Growth (YoY)	-6.77%	10.78%	8.31%	-	-	83.39%
Policy Benefits	854.6	1,247	909.2	772.1	-595.9	1,674
Policy Acquisition & Underwriting Costs	3.3	3.2	3.5	3.2	-	-
Depreciation & Amortization	17.5	17.5	13.8	14.5	13.8	15.3
Selling, General & Administrative	373.8	363.1	335.8	368	125.5	127.4
Non-Insurance Activities Expense	57.7	59.7	69.5	-0.6	224.2	215.6
Other Operating Expenses	-34.9	-33.4	82.5	40.6	34.8	26
Total Operating Expenses	1,454	1,847	1,638	1,409	9.4	2,239
Operating Income	1,346	1,243	1,151	1,166	-339.8	1,087
Interest Expense	-805.4	-1,033	-967.6	-689.7	-41.2	-323.7
Earnings From Equity Investments	-4.2	-	-	25.3	38	35.2
Currency Exchange Gain (Loss)	122.9	69	-40.2	47.9	140.3	-78.6
Other Non Operating Income (Expenses)	-3.5	-3.5	-5	-141.5	372.7	-4.2
EBT Excluding Unusual Items	655.4	275.3	138.3	407.9	170	716
Gain (Loss) on Sale of Assets	-	-	51.2	-	202.4	114.6
Asset Writedown	-	-	-	-165.7	-	-
Pretax Income	655.4	275.3	189.5	242.2	372.4	830.6
Income Tax Expense	196	83	55.2	62.8	108.1	238.3
Earnings From Continuing Ops.	459.4	192.3	134.3	179.4	264.3	592.3
Earnings From Discontinued Ops.	-	-	-4.6	-8	-10.6	-
Net Income to Company	459.4	192.3	129.7	171.4	253.7	592.3
Minority Interest in Earnings	-0.6	-	0.2	-	-	-
Net Income	458.8	192.3	129.9	171.4	253.7	592.3
Net Income to Common	458.8	192.3	129.9	171.4	253.7	592.3
Net Income Growth	214.68%	48.04%	-24.21%	-32.44%	-57.17%	-
Shares Outstanding (Basic)	687	687	685	682	676	672
Shares Outstanding (Diluted)	759	697	701	697	871	918
Shares Change (YoY)	7.91%	-0.53%	0.52%	-19.98%	-5.08%	50.86%
EPS (Basic)	0.67	0.28	0.19	0.25	0.38	0.88
EPS (Diluted)	0.64	0.28	0.18	0.25	0.33	0.68
EPS Growth	211.46%	49.19%	-24.80%	-25.67%	-51.36%	-
Free Cash Flow	1,884	399.4	1,050	1,283	2,484	2,564
Free Cash Flow Per Share	2.48	0.57	1.50	1.84	2.85	2.79
Dividend Per Share	0.305	0.295	0.265	0.240	0.230	0.200
Dividend Growth	8.93%	11.32%	10.42%	4.35%	15.00%	14.29%
Operating Margin	48.06%	40.23%	41.27%	45.28%	-	32.69%
Profit Margin	16.39%	6.22%	4.66%	6.66%	-	17.81%
Free Cash Flow Margin	67.29%	12.93%	37.63%	49.82%	-	77.08%
EBITDA	1,346	1,251	1,158	1,172	-334.3	1,092
EBITDA Margin	48.07%	40.48%	41.52%	45.50%	-	32.84%
D&A For EBITDA	0.3	7.9	6.9	5.8	5.5	4.8
EBIT	1,346	1,243	1,151	1,166	-339.8	1,087
EBIT Margin	48.06%	40.23%	41.27%	45.28%	-	32.69%
Effective Tax Rate	29.90%	30.15%	29.13%	25.93%	29.03%	28.69%

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