JMSE:ROC Income Statement

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

Millions JMD. 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	2,136	1,755	1,395	991.9	190.28
Total Interest & Dividend Income	97.68	93.51	77.08	69.2	43.87
Gain (Loss) on Sale of Investments	9.31	14.45	4.75	-	9.85
Other Revenue	3.58	9.52	20.07	7.54	173.2
Total Revenue	2,247	1,872	1,497	1,069	417.2
Revenue Growth (YoY)	20.01%	25.05%	40.11%	156.15%	6.91%
Policy Benefits	2,040	1,604	1,276	929.02	91.07
Policy Acquisition & Underwriting Costs	-	-	-	-	101.63
Amortization of Goodwill & Intangibles	-	-	-	-	0.64
Depreciation & Amortization	-	-	-	-	3.39
Selling, General & Administrative	-	-	-	-	114
Other Operating Expenses	198.97	174.79	118.51	103.6	-
Total Operating Expenses	2,239	1,779	1,394	1,033	379.65
Operating Income	7.78	93.28	103.1	36	37.55
Interest Expense	-17.29	-	-	-	-1.84
Currency Exchange Gain (Loss)	-	-	-	-	25.13
Pretax Income	-9.51	93.28	103.1	36	60.84
Income Tax Expense	2.95	12.57	19.14	2.38	7.13
Net Income	-12.45	80.71	83.96	33.63	53.71
Net Income to Common	-12.45	80.71	83.96	33.63	53.71
Net Income Growth	-	-3.88%	149.68%	-37.39%	12.01%
Shares Outstanding (Basic)	214	214	214	214	214
Shares Outstanding (Diluted)	214	214	214	214	214
EPS (Basic)	-0.06	0.38	0.39	0.16	0.25
EPS (Diluted)	-0.06	0.38	0.39	0.16	0.25
EPS Growth	-	-3.88%	149.68%	-37.39%	12.01%
Free Cash Flow	872.87	55.68	77.41	26.38	26.32
Free Cash Flow Per Share	4.08	0.26	0.36	0.12	0.12
Dividend Per Share	0.090	0.045	0.033	-	-
Dividend Growth	100.00%	38.46%	-	-	-
Operating Margin	0.35%	4.98%	6.89%	3.37%	9.00%
Profit Margin	-0.55%	4.31%	5.61%	3.15%	12.87%
Free Cash Flow Margin	38.85%	2.97%	5.17%	2.47%	6.31%
EBITDA	39.01	99.59	107.83	40.59	40.94
EBITDA Margin	1.74%	5.32%	7.20%	3.80%	9.81%
D&A For EBITDA	31.23	6.3	4.73	4.59	3.39
EBIT	7.78	93.28	103.1	36	37.55
EBIT Margin	0.35%	4.98%	6.89%	3.37%	9.00%
Effective Tax Rate	-	13.48%	18.56%	6.60%	11.72%

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