Guardian Holdings Limited (JMSE:GHL)
Jamaica · Delayed Price · Currency is JMD 350.00
-13.83 (-3.80%)
At close: Feb 10, 2026
Guardian Holdings Income Statement
Financials in millions TTD. Fiscal year is January - December.
Millions TTD. 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 | 6,131 | 5,878 | 5,438 | 4,865 | 4,797 | 4,347 |
Total Interest & Dividend Income | -221.95 | -108.22 | -130.37 | 1,256 | 1,183 | 1,012 |
Gain (Loss) on Sale of Investments | 979.34 | 1,042 | 1,081 | -617.57 | 16.98 | -189.35 |
Other Revenue | 329.9 | 270.7 | 189.59 | 278.81 | 625.32 | 758.27 |
| 7,218 | 7,083 | 6,579 | 5,783 | 6,622 | 5,928 | |
Revenue Growth (YoY) | 5.27% | 7.65% | 13.77% | -12.68% | 11.70% | -4.67% |
Policy Benefits | 4,264 | 4,219 | 3,962 | 4,189 | 3,322 | 2,667 |
Policy Acquisition & Underwriting Costs | 669.12 | 669.12 | 662.27 | - | 768.75 | 737.3 |
Depreciation & Amortization | - | - | - | - | 106.01 | 97.46 |
Selling, General & Administrative | - | - | - | - | 24.95 | 22.36 |
Other Operating Expenses | 1,001 | 941.3 | 954.4 | 892.87 | 664.77 | 573.94 |
Total Operating Expenses | 5,935 | 5,829 | 5,579 | 5,082 | 5,593 | 4,776 |
Operating Income | 1,284 | 1,254 | 1,000 | 700.72 | 1,030 | 1,152 |
Interest Expense | -193.62 | -189.99 | -176.04 | -203.38 | -199.73 | -153.85 |
Earnings From Equity Investments | 32.47 | 30.87 | 15.26 | 19.59 | 34.02 | 17.71 |
Currency Exchange Gain (Loss) | 5.02 | 5.02 | 36.15 | -30.53 | 97.23 | 43 |
EBT Excluding Unusual Items | 1,128 | 1,099 | 875.66 | 486.41 | 961.17 | 1,059 |
Gain (Loss) on Sale of Assets | - | - | - | 56.14 | -0.68 | - |
Asset Writedown | - | - | -18.08 | 63.17 | 40.33 | -34.98 |
Pretax Income | 1,128 | 1,099 | 857.58 | 605.71 | 1,001 | 1,024 |
Income Tax Expense | 235.02 | 251 | 213.04 | 129.64 | 215.02 | 243.84 |
Earnings From Continuing Ops. | 892.58 | 848.46 | 644.54 | 476.08 | 785.8 | 780.29 |
Earnings From Discontinued Ops. | 647.62 | 8.38 | 6.07 | - | - | - |
Net Income to Company | 1,540 | 856.84 | 650.61 | 476.08 | 785.8 | 780.29 |
Minority Interest in Earnings | -7.18 | -6.69 | -5.18 | -4.36 | -3.47 | -5.83 |
Net Income | 1,533 | 850.15 | 645.43 | 471.71 | 782.33 | 774.46 |
Net Income to Common | 1,533 | 850.15 | 645.43 | 471.71 | 782.33 | 774.46 |
Net Income Growth | 96.50% | 31.72% | 36.83% | -39.70% | 1.02% | 11.87% |
Shares Outstanding (Basic) | 232 | 232 | 232 | 232 | 232 | 232 |
Shares Outstanding (Diluted) | 232 | 232 | 232 | 232 | 232 | 232 |
Shares Change (YoY) | 0.02% | - | - | - | - | 0.01% |
EPS (Basic) | 6.60 | 3.66 | 2.78 | 2.03 | 3.37 | 3.34 |
EPS (Diluted) | 6.60 | 3.66 | 2.78 | 2.03 | 3.37 | 3.34 |
EPS Growth | 96.46% | 31.72% | 36.83% | -39.70% | 1.02% | 11.85% |
Free Cash Flow | -691.16 | 1,089 | -507.3 | 217.41 | -400.35 | 830.08 |
Free Cash Flow Per Share | -2.98 | 4.69 | -2.19 | 0.94 | -1.73 | 3.58 |
Dividend Per Share | 1.230 | 0.800 | 0.750 | 0.720 | 0.700 | - |
Dividend Growth | 61.84% | 6.67% | 4.17% | 2.86% | - | - |
Operating Margin | 17.78% | 17.70% | 15.20% | 12.12% | 15.55% | 19.44% |
Profit Margin | 21.24% | 12.00% | 9.81% | 8.16% | 11.81% | 13.06% |
Free Cash Flow Margin | -9.57% | 15.37% | -7.71% | 3.76% | -6.05% | 14.00% |
EBITDA | 1,357 | 1,329 | 1,077 | 784.95 | 1,114 | 1,226 |
EBITDA Margin | 18.80% | 18.76% | 16.38% | 13.57% | 16.82% | 20.67% |
D&A For EBITDA | 73.43 | 74.96 | 77 | 84.23 | 83.99 | 73.3 |
EBIT | 1,284 | 1,254 | 1,000 | 700.72 | 1,030 | 1,152 |
EBIT Margin | 17.78% | 17.70% | 15.20% | 12.12% | 15.55% | 19.44% |
Effective Tax Rate | 20.84% | 22.83% | 24.84% | 21.40% | 21.48% | 23.81% |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.