FBD Holdings plc (ISE:EG7)

FBD Holdings Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Premiums & Annuity Revenue	419.08	401.03	379.7	334.25	315.23	337.55
Total Interest & Dividend Income	26.47	21.58	-18.1	9.16	10.51	12.27
Gain (Loss) on Sale of Investments	-2.3	-2.3	-	7.51	1.44	5.33
Non-Insurance Activities Revenue	2.82	2.47	3.17	7.31	9.38	9.83
Total Revenue	446.07	422.78	364.78	358.23	336.57	364.98
Revenue Growth (YoY)	13.05%	15.90%	1.83%	6.43%	-7.78%	4.55%
Policy Benefits	291.71	274.72	248.59	123.54	221.4	148.68
Policy Acquisition & Underwriting Costs	3.56	-	-	4.93	4.54	3.24
Selling, General & Administrative	-	-	-	92.31	86.86	86.5
Non-Insurance Activities Expense	7.89	6.93	6.05	6.14	7.28	6.08
Other Operating Expenses	25.25	18.33	8.4	22.14	9.68	7.95
Reinsurance Income or Expense	-	-	-	3.86	2.87	2.48
Total Operating Expenses	328.4	299.98	263.04	245.19	326.89	249.97
Operating Income	117.67	122.79	101.73	113.04	9.69	115.02
Interest Expense	-2.56	-2.56	-2.56	-2.55	-2.58	-2.58
Other Non Operating Income (Expenses)	-36.66	-34.02	-33.05	-	-	-
EBT Excluding Unusual Items	78.45	86.22	66.13	110.49	7.11	112.44
Asset Writedown	-4.26	-4.81	-0.29	-0.06	-2.3	0.04
Pretax Income	74.19	81.41	65.84	110.44	4.8	112.48
Income Tax Expense	9.9	11.87	8.28	14.03	0.41	14.26
Earnings From Continuing Ops.	64.29	69.54	57.56	96.41	4.39	98.23
Net Income to Company	64.29	69.54	57.56	96.41	4.39	98.23
Net Income	64.29	69.54	57.56	96.41	4.39	98.23
Preferred Dividends & Other Adjustments	0.28	0.28	0.28	0.28	-	0.28
Net Income to Common	64.01	69.26	57.27	96.13	4.39	97.94
Net Income Growth	-27.51%	20.82%	-40.30%	2096.11%	-95.53%	131.76%
Shares Outstanding (Basic)	35	36	36	35	35	35
Shares Outstanding (Diluted)	36	37	36	36	36	35
Shares Change (YoY)	-2.06%	0.62%	1.38%	0.59%	0.69%	-14.54%
EPS (Basic)	1.81	1.94	1.61	2.74	0.13	2.81
EPS (Diluted)	1.78	1.90	1.57	2.68	0.12	2.76
EPS Growth	-25.48%	21.02%	-41.42%	2133.35%	-95.65%	147.13%
Free Cash Flow	72.61	61.5	96.89	48.25	72.47	38.8
Free Cash Flow Per Share	2.00	1.68	2.66	1.34	2.03	1.09
Dividend Per Share	1.000	1.000	1.000	1.000	-	-
Operating Margin	26.38%	29.04%	27.89%	31.55%	2.88%	31.51%
Profit Margin	14.35%	16.38%	15.70%	26.83%	1.30%	26.83%
Free Cash Flow Margin	16.28%	14.55%	26.56%	13.47%	21.53%	10.63%
EBITDA	129.1	132.27	113.04	129.58	20.08	125.38
EBITDA Margin	28.94%	31.29%	30.99%	36.17%	5.96%	34.35%
D&A For EBITDA	11.43	9.48	11.3	16.55	10.39	10.37
EBIT	117.67	122.79	101.73	113.04	9.69	115.02
EBIT Margin	26.38%	29.04%	27.89%	31.55%	2.88%	31.51%
Effective Tax Rate	13.35%	14.58%	12.58%	12.70%	8.58%	12.67%
Revenue as Reported	-	-	-	357.23	335	365.27

Updated Aug 9, 2024. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.