FBD Holdings Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	486.75	441.01	401.03	379.7	334.25
Total Interest & Dividend Income	18.28	20.45	21.58	-18.1	9.16
Gain (Loss) on Sale of Investments	-	-	-2.3	-	7.51
Non-Insurance Activities Revenue	2.6	3.67	2.47	3.17	7.31
Total Revenue	507.63	465.13	422.78	364.78	358.23
Revenue Growth (YoY)	9.14%	10.02%	15.90%	1.83%	6.43%
Policy Benefits	337.8	318.2	274.72	248.59	123.54
Policy Acquisition & Underwriting Costs	93.8	84.63	-	-	4.93
Selling, General & Administrative	-	-	-	-	92.31
Non-Insurance Activities Expense	8.5	10.6	6.93	6.05	6.14
Other Operating Expenses	-30.32	-66.23	18.33	8.4	22.14
Reinsurance Income or Expense	-	-	-	-	3.86
Total Operating Expenses	409.78	347.2	299.98	263.04	245.19
Operating Income	97.85	117.93	122.79	101.73	113.04
Interest Expense	-2.57	-2.56	-2.56	-2.56	-2.55
Other Non Operating Income (Expenses)	-40.62	-37.8	-34.02	-33.05	-
EBT Excluding Unusual Items	54.66	77.57	86.22	66.13	110.49
Asset Writedown	-0.5	-0.5	-4.81	-0.29	-0.06
Pretax Income	54.16	77.07	81.41	65.84	110.44
Income Tax Expense	6.99	9.86	11.87	8.28	14.03
Earnings From Continuing Ops.	47.16	67.21	69.54	57.56	96.41
Net Income to Company	47.16	67.21	69.54	57.56	96.41
Net Income	47.16	67.21	69.54	57.56	96.41
Preferred Dividends & Other Adjustments	0.28	0.28	0.28	0.28	0.28
Net Income to Common	46.88	66.92	69.26	57.27	96.13
Net Income Growth	-29.82%	-3.36%	20.82%	-40.30%	2096.11%
Shares Outstanding (Basic)	36	36	36	36	35
Shares Outstanding (Diluted)	37	37	37	36	36
Shares Change (YoY)	0.66%	-0.07%	0.62%	1.38%	0.59%
EPS (Basic)	1.30	1.86	1.94	1.61	2.74
EPS (Diluted)	1.27	1.83	1.90	1.57	2.68
EPS Growth	-30.60%	-3.68%	21.02%	-41.42%	2133.35%
Free Cash Flow	60.2	79.52	61.5	96.89	48.25
Free Cash Flow Per Share	1.63	2.17	1.68	2.66	1.34
Dividend Per Share	1.000	1.000	1.000	1.000	1.000
Operating Margin	19.28%	25.35%	29.04%	27.89%	31.55%
Profit Margin	9.23%	14.39%	16.38%	15.70%	26.83%
Free Cash Flow Margin	11.86%	17.10%	14.55%	26.56%	13.47%
EBITDA	107.39	127.49	132.27	113.04	129.58
EBITDA Margin	21.16%	27.41%	31.29%	30.99%	36.17%
D&A For EBITDA	9.55	9.57	9.48	11.3	16.55
EBIT	97.85	117.93	122.79	101.73	113.04
EBIT Margin	19.28%	25.35%	29.04%	27.89%	31.55%
Effective Tax Rate	12.91%	12.79%	14.58%	12.58%	12.70%
Revenue as Reported	-	-	-	-	357.23

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.