FRA:RGPB Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 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	16,606	17,843	15,085	13,078	12,513	11,694
Total Interest & Dividend Income	5,190	4,320	3,410	2,830	2,719	2,575
Gain (Loss) on Sale of Investments	-357	-745	-481	-539	567	-33
Other Revenue	865	689	553	858	868	360
Total Revenue	22,304	22,107	18,567	16,227	16,667	14,596
Revenue Growth (YoY)	1.97%	19.07%	14.42%	-2.64%	14.19%	2.07%
Policy Benefits	17,625	17,914	14,664	12,965	12,882	11,779
Policy Acquisition & Underwriting Costs	1,732	1,641	1,397	1,344	1,325	1,261
Other Operating Expenses	1,278	1,208	1,043	964	881	828
Total Operating Expenses	20,695	20,823	17,150	15,318	15,143	13,856
Operating Income	1,609	1,284	1,417	909	1,524	740
Interest Expense	-354	-304	-257	-191	-139	-170
Other Non Operating Income (Expenses)	-	-	-	-	-	-17
Pretax Income	1,255	980	1,160	718	1,385	553
Income Tax Expense	381	256	251	197	215	138
Earnings From Continuing Ops.	874	724	909	521	1,170	415
Minority Interest in Earnings	-7	-7	-7	-4	-	-
Net Income	867	717	902	517	1,170	415
Net Income to Common	867	717	902	517	1,170	415
Net Income Growth	19.26%	-20.51%	74.47%	-55.81%	181.93%	-52.30%
Shares Outstanding (Basic)	66	66	66	67	68	65
Shares Outstanding (Diluted)	67	67	67	68	68	66
Shares Change (YoY)	-0.30%	-0.30%	-0.89%	-0.88%	3.80%	2.97%
EPS (Basic)	13.18	10.90	13.60	7.73	17.26	6.35
EPS (Diluted)	12.98	10.73	13.44	7.64	17.13	6.31
EPS Growth	18.96%	-20.16%	75.92%	-55.40%	171.47%	-53.67%
Free Cash Flow	4,839	9,370	4,044	1,343	4,182	3,294
Free Cash Flow Per Share	72.33	140.06	60.27	19.84	61.23	50.06
Dividend Per Share	3.600	3.480	3.300	3.060	2.860	2.800
Dividend Growth	4.65%	5.46%	7.84%	6.99%	2.14%	7.69%
Operating Margin	7.21%	5.81%	7.63%	5.60%	9.14%	5.07%
Profit Margin	3.89%	3.24%	4.86%	3.19%	7.02%	2.84%
Free Cash Flow Margin	21.70%	42.38%	21.78%	8.28%	25.09%	22.57%
EBITDA	1,659	1,330	1,458	947	1,567	914
EBITDA Margin	7.44%	6.02%	7.85%	5.84%	9.40%	6.26%
D&A For EBITDA	49.75	46	41	38	43	174
EBIT	1,609	1,284	1,417	909	1,524	740
EBIT Margin	7.21%	5.81%	7.63%	5.60%	9.14%	5.07%
Effective Tax Rate	30.36%	26.12%	21.64%	27.44%	15.52%	24.95%
Revenue as Reported	22,304	22,107	18,567	16,227	16,667	14,596

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