General Accident Insurance Company Jamaica Limited (JMSE:GENAC)
Jamaica · Delayed Price · Currency is JMD 6.00
-0.03 (-0.50%)
At close: Feb 10, 2026
JMSE:GENAC Income Statement
Financials in millions JMD. Fiscal year is January - December.
Millions JMD. 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 | 12,707 | 11,427 | 8,576 | 6,667 | 3,033 | 2,741 |
Total Interest & Dividend Income | 273.84 | 238.76 | 222.19 | 254.18 | 219.72 | 238.11 |
Gain (Loss) on Sale of Investments | 43.18 | 43.18 | -2.87 | 131.1 | - | - |
Other Revenue | - | - | - | - | 909.08 | 777.67 |
| 13,024 | 11,709 | 8,795 | 7,052 | 4,162 | 3,790 | |
Revenue Growth (YoY) | 26.52% | 33.13% | 24.72% | 69.45% | 9.79% | 14.60% |
Policy Benefits | 12,350 | 11,178 | 7,880 | 6,047 | 1,751 | 1,817 |
Policy Acquisition & Underwriting Costs | - | - | - | - | 511.03 | 465.63 |
Selling, General & Administrative | 38.99 | 38.99 | 36.26 | 33.17 | 1,583 | 1,228 |
Other Operating Expenses | 210.58 | 190.7 | 233.92 | 161.23 | 164.66 | 116.74 |
Total Operating Expenses | 12,600 | 11,408 | 8,150 | 6,242 | 4,010 | 3,627 |
Operating Income | 424.18 | 301.1 | 645.25 | 810.1 | 151.6 | 163.23 |
Interest Expense | - | - | - | - | -7.4 | -8.43 |
Currency Exchange Gain (Loss) | -22.98 | -22.98 | 70.08 | 2.93 | 102.09 | 80.84 |
Other Non Operating Income (Expenses) | - | - | - | - | 0.33 | -0.41 |
EBT Excluding Unusual Items | 401.21 | 278.13 | 715.33 | 813.04 | 246.62 | 235.24 |
Gain (Loss) on Sale of Assets | - | - | 1.17 | 0.32 | 6.27 | 2.49 |
Asset Writedown | 21.54 | 21.54 | 24 | 77.97 | 6.8 | 21.81 |
Pretax Income | 422.75 | 299.67 | 740.5 | 891.33 | 259.7 | 259.54 |
Income Tax Expense | 94.2 | 51.34 | 192.23 | 110.94 | 110.46 | 65.72 |
Earnings From Continuing Ops. | 328.55 | 248.32 | 548.27 | 780.39 | 149.24 | 193.81 |
Minority Interest in Earnings | 0.2 | -6.99 | -8.09 | -49.65 | 105.51 | 48.69 |
Net Income | 328.75 | 241.33 | 540.18 | 730.74 | 254.75 | 242.5 |
Net Income to Common | 328.75 | 241.33 | 540.18 | 730.74 | 254.75 | 242.5 |
Net Income Growth | -33.63% | -55.32% | -26.08% | 186.85% | 5.05% | -56.60% |
Shares Outstanding (Basic) | 1,015 | 1,031 | 1,031 | 1,031 | 1,031 | 1,031 |
Shares Outstanding (Diluted) | 1,015 | 1,031 | 1,031 | 1,031 | 1,031 | 1,031 |
EPS (Basic) | 0.32 | 0.23 | 0.52 | 0.71 | 0.25 | 0.24 |
EPS (Diluted) | 0.32 | 0.23 | 0.52 | 0.71 | 0.25 | 0.24 |
EPS Growth | -33.19% | -55.32% | -26.08% | 186.85% | 5.05% | -56.60% |
Free Cash Flow | 1,499 | 994.2 | 150.26 | -426.49 | -382.55 | -333.2 |
Free Cash Flow Per Share | 1.48 | 0.96 | 0.15 | -0.41 | -0.37 | -0.32 |
Dividend Per Share | 0.078 | 0.218 | 0.196 | 0.243 | 0.191 | 0.216 |
Dividend Growth | -64.44% | 11.09% | -19.17% | 27.41% | -11.68% | 56.01% |
Operating Margin | 3.26% | 2.57% | 7.34% | 11.49% | 3.64% | 4.31% |
Profit Margin | 2.52% | 2.06% | 6.14% | 10.36% | 6.12% | 6.40% |
Free Cash Flow Margin | 11.51% | 8.49% | 1.71% | -6.05% | -9.19% | -8.79% |
EBITDA | 527.15 | 394.36 | 734.24 | 882.43 | 220.79 | 225.39 |
EBITDA Margin | 4.05% | 3.37% | 8.35% | 12.51% | 5.31% | 5.95% |
D&A For EBITDA | 102.96 | 93.25 | 88.98 | 72.33 | 69.19 | 62.16 |
EBIT | 424.18 | 301.1 | 645.25 | 810.1 | 151.6 | 163.23 |
EBIT Margin | 3.26% | 2.57% | 7.34% | 11.49% | 3.64% | 4.31% |
Effective Tax Rate | 22.28% | 17.13% | 25.96% | 12.45% | 42.53% | 25.32% |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.