JMSE:GENAC Income Statement

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

Millions JMD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	13,625	13,067	11,427	8,576	6,667	3,033
Total Interest & Dividend Income	286.28	253.17	238.76	222.19	254.18	219.72
Gain (Loss) on Sale of Investments	187.31	187.31	43.18	-2.87	131.1	-
Other Revenue	-	-	-	-	-	909.08
Total Revenue	14,099	13,508	11,709	8,795	7,052	4,162
Revenue Growth (YoY)	15.17%	15.36%	33.13%	24.72%	69.45%	9.79%
Policy Benefits	12,902	12,524	11,178	7,880	6,047	1,751
Policy Acquisition & Underwriting Costs	-	-	-	-	-	511.03
Selling, General & Administrative	25.41	25.41	38.99	36.26	33.17	1,583
Other Operating Expenses	446.69	378.42	190.7	233.92	161.23	164.66
Total Operating Expenses	13,374	12,927	11,408	8,150	6,242	4,010
Operating Income	724.38	580.26	301.1	645.25	810.1	151.6
Interest Expense	-	-	-	-	-	-7.4
Currency Exchange Gain (Loss)	32.76	32.76	-22.98	70.08	2.93	102.09
Other Non Operating Income (Expenses)	-	-	-	-	-	0.33
EBT Excluding Unusual Items	757.15	613.02	278.13	715.33	813.04	246.62
Gain (Loss) on Sale of Assets	-	-	-	1.17	0.32	6.27
Asset Writedown	-	-	21.54	24	77.97	6.8
Pretax Income	757.15	613.02	299.67	740.5	891.33	259.7
Income Tax Expense	205.9	161.5	51.34	192.23	110.94	110.46
Earnings From Continuing Ops.	551.25	451.52	248.32	548.27	780.39	149.24
Minority Interest in Earnings	-21.94	-9.57	-6.99	-8.09	-49.65	105.51
Net Income	529.3	441.95	241.33	540.18	730.74	254.75
Net Income to Common	529.3	441.95	241.33	540.18	730.74	254.75
Net Income Growth	60.52%	83.13%	-55.32%	-26.08%	186.85%	5.05%
Shares Outstanding (Basic)	1,037	1,031	1,031	1,031	1,031	1,031
Shares Outstanding (Diluted)	1,037	1,031	1,031	1,031	1,031	1,031
EPS (Basic)	0.51	0.43	0.23	0.52	0.71	0.25
EPS (Diluted)	0.51	0.43	0.23	0.52	0.71	0.25
EPS Growth	56.45%	83.13%	-55.32%	-26.08%	186.85%	5.05%
Free Cash Flow	-41.82	2,188	994.2	150.26	-426.49	-382.55
Free Cash Flow Per Share	-0.04	2.12	0.96	0.15	-0.41	-0.37
Dividend Per Share	0.078	0.078	0.218	0.196	0.243	0.191
Dividend Growth	-64.44%	-64.44%	11.09%	-19.17%	27.41%	-11.68%
Operating Margin	5.14%	4.30%	2.57%	7.34%	11.49%	3.64%
Profit Margin	3.75%	3.27%	2.06%	6.14%	10.36%	6.12%
Free Cash Flow Margin	-0.30%	16.20%	8.49%	1.71%	-6.05%	-9.19%
EBITDA	854.54	704.52	394.36	734.24	882.43	220.79
EBITDA Margin	6.06%	5.22%	3.37%	8.35%	12.51%	5.31%
D&A For EBITDA	130.16	124.26	93.25	88.98	72.33	69.19
EBIT	724.38	580.26	301.1	645.25	810.1	151.6
EBIT Margin	5.14%	4.30%	2.57%	7.34%	11.49%	3.64%
Effective Tax Rate	27.19%	26.35%	17.13%	25.96%	12.45%	42.53%

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