FRA:XSNA 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	119.68	119.66	114.66	105	100.25	93.02
Total Interest & Dividend Income	75.83	71.73	72.34	66.2	58.26	56.33
Gain (Loss) on Sale of Investments	3	1.94	1.84	-0.86	6.23	1.55
Non-Insurance Activities Revenue	138.52	136.6	126.01	200.49	287.42	319.24
Other Revenue	3.85	4.6	3.65	18.82	18.54	11.32
Total Revenue	340.88	334.52	318.5	389.65	470.7	481.46
Revenue Growth (YoY)	3.25%	5.03%	-18.26%	-17.22%	-2.24%	70.09%
Policy Benefits	101.22	98.96	100.01	92.93	93.48	86.41
Policy Acquisition & Underwriting Costs	69.87	62.91	57.95	81.27	134.43	138.73
Depreciation & Amortization	2.41	2.38	2.35	2.5	1.94	2.08
Selling, General & Administrative	39.67	36.69	43.23	59.31	67.05	59.94
Non-Insurance Activities Expense	11.28	10.94	11.25	12.26	14.25	13.13
Total Operating Expenses	312.36	296.16	297.33	347.45	411.77	401.43
Operating Income	28.51	38.36	21.17	42.21	58.93	80.03
Interest Expense	-4.57	-4.25	-4.87	-7.83	-7.13	-8.58
Pretax Income	23.94	34.1	16.3	34.38	51.8	71.45
Income Tax Expense	5.32	7.57	1.81	8.69	12.28	15.85
Net Income	18.62	26.54	14.5	25.69	39.52	55.6
Net Income to Common	18.62	26.54	14.5	25.69	39.52	55.6
Net Income Growth	-36.76%	83.07%	-43.58%	-34.99%	-28.92%	410.36%
Shares Outstanding (Basic)	25	24	24	24	24	24
Shares Outstanding (Diluted)	25	25	25	25	25	25
Shares Change (YoY)	1.24%	0.68%	-1.55%	-0.09%	3.26%	3.21%
EPS (Basic)	0.75	1.08	0.60	1.05	1.61	2.31
EPS (Diluted)	0.74	1.06	0.58	1.02	1.55	2.25
EPS Growth	-36.60%	81.95%	-42.81%	-34.66%	-31.02%	396.08%
Free Cash Flow	46.49	54.85	52.77	128.85	139.42	-131.26
Free Cash Flow Per Share	1.83	2.18	2.11	5.07	5.48	-5.33
Operating Margin	8.36%	11.47%	6.64%	10.83%	12.52%	16.62%
Profit Margin	5.46%	7.93%	4.55%	6.59%	8.40%	11.55%
Free Cash Flow Margin	13.64%	16.40%	16.57%	33.07%	29.62%	-27.26%
EBITDA	37.98	47.47	30.65	60.14	79.32	97.32
EBITDA Margin	11.14%	14.19%	9.62%	15.43%	16.85%	20.21%
D&A For EBITDA	9.47	9.11	9.48	17.93	20.39	17.29
EBIT	28.51	38.36	21.17	42.21	58.93	80.03
EBIT Margin	8.36%	11.47%	6.64%	10.83%	12.52%	16.62%
Effective Tax Rate	22.23%	22.19%	11.08%	25.27%	23.71%	22.19%
Revenue as Reported	340.88	334.52	318.5	389.65	470.7	481.46

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