IronRock Insurance Company Limited (JMSE:ROC)

Jamaica · Delayed Price · Currency is JMD

4.000

-0.200 (-4.76%)

At close: Oct 27, 2026

JMSE:ROC Financials Overview

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

Millions JMD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Revenue	2,556	2,247	1,872	1,497	1,069	417.2
Revenue Growth	18.70%	20.01%	25.05%	40.11%	156.15%	6.91%
Operating Income	96.73	7.78	93.28	103.1	36	37.55
Net Income	59.42	-12.45	80.71	83.96	33.63	53.71
Earnings Per Share	0.27	-0.06	0.38	0.39	0.16	0.25
EPS Growth	92.56%	-	-3.88%	149.68%	-37.39%	12.01%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Property	1,234	1,059	790.44	493.31
Liability	171.87	93.79	94.51	86.5
Other	332.91	252.96	221.29	173.01
Motor	398	349.32	289.12	239.08
Total	2,136	1,755	1,395	991.9

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Cash & Investments	442.6	1,304	237.65	395.92	142.4	69.64
Total Debt	196.52	206.23	-	-	-	-
Net Cash (Debt)	246.08	1,098	237.65	395.92	142.4	69.64
Net Cash Growth	37.56%	362.00%	-39.98%	178.03%	104.50%	120.50%
Net Cash Per Share	1.12	5.13	1.11	1.85	0.67	0.33

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Operating Cash Flow	38.58	927.46	61.49	79.07	29.21	38.4
Capital Expenditures	-17	-54.59	-5.81	-1.66	-2.82	-12.08
Free Cash Flow	21.58	872.87	55.68	77.41	26.38	26.32
Free Cash Flow Growth	-	1467.79%	-28.08%	193.42%	0.24%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Operating Margin	3.78%	0.35%	4.98%	6.89%	3.37%	9.00%
Pretax Margin	2.63%	-0.42%	4.98%	6.89%	3.37%	14.58%
Profit Margin	2.33%	-0.55%	4.31%	5.61%	3.15%	12.87%
FCF Margin	0.84%	38.85%	2.97%	5.17%	2.47%	6.31%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Nov '26 Nov 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Dividend Per Share	0.090	0.090	0.045	0.033
Dividend Per Share Growth	-	100.00%	38.46%	-
Dividend Yield	2.25%	2.36%	1.13%	1.29%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 11, 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
PE Ratio	14.74	-	10.61	6.42	14.95	12.35
P/FCF Ratio	39.66	0.93	15.38	6.97	19.06	25.21
PS Ratio	0.33	0.36	0.46	0.36	0.47	1.59