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 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 | 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 |
Premiums & Annuity Revenue | 2,390 | 2,136 | 1,755 | 1,395 | 991.9 | 190.28 |
Total Interest & Dividend Income | 142.09 | 97.68 | 93.51 | 77.08 | 69.2 | 43.87 |
Gain (Loss) on Sale of Investments | 6.68 | 9.31 | 14.45 | 4.75 | - | 9.85 |
Other Revenue | 16.82 | 3.58 | 9.52 | 20.07 | 7.54 | 173.2 |
| 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% |
Policy Benefits | 2,252 | 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 | 207.34 | 198.97 | 174.79 | 118.51 | 103.6 | - |
Total Operating Expenses | 2,459 | 2,239 | 1,779 | 1,394 | 1,033 | 379.65 |
Operating Income | 96.73 | 7.78 | 93.28 | 103.1 | 36 | 37.55 |
Interest Expense | -29.61 | -17.29 | - | - | - | -1.84 |
Currency Exchange Gain (Loss) | - | - | - | - | - | 25.13 |
Pretax Income | 67.13 | -9.51 | 93.28 | 103.1 | 36 | 60.84 |
Income Tax Expense | 7.71 | 2.95 | 12.57 | 19.14 | 2.38 | 7.13 |
Net Income | 59.42 | -12.45 | 80.71 | 83.96 | 33.63 | 53.71 |
Net Income to Common | 59.42 | -12.45 | 80.71 | 83.96 | 33.63 | 53.71 |
Net Income Growth | 92.61% | - | -3.88% | 149.68% | -37.39% | 12.01% |
Shares Outstanding (Basic) | 219 | 214 | 214 | 214 | 214 | 214 |
Shares Outstanding (Diluted) | 219 | 214 | 214 | 214 | 214 | 214 |
Shares Change | 0.03% | - | - | - | - | - |
EPS (Basic) | 0.27 | -0.06 | 0.38 | 0.39 | 0.16 | 0.25 |
EPS (Diluted) | 0.27 | -0.06 | 0.38 | 0.39 | 0.16 | 0.25 |
EPS Growth | 92.56% | - | -3.88% | 149.68% | -37.39% | 12.01% |
Additional Metrics
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 |
Free Cash Flow | 21.58 | 872.87 | 55.68 | 77.41 | 26.38 | 26.32 |
Free Cash Flow Per Share | 0.10 | 4.08 | 0.26 | 0.36 | 0.12 | 0.12 |
Dividend Per Share | 0.090 | 0.090 | 0.045 | 0.033 | - | - |
Dividend Growth | - | 100.00% | 38.46% | - | - | - |
Operating Margin | 3.78% | 0.35% | 4.98% | 6.89% | 3.37% | 9.00% |
Profit Margin | 2.33% | -0.55% | 4.31% | 5.61% | 3.15% | 12.87% |
Free Cash Flow Margin | 0.84% | 38.85% | 2.97% | 5.17% | 2.47% | 6.31% |
EBITDA | 138.08 | 39.01 | 99.59 | 107.83 | 40.59 | 40.94 |
EBITDA Margin | 5.40% | 1.74% | 5.32% | 7.20% | 3.80% | 9.81% |
D&A For EBITDA | 41.35 | 31.23 | 6.3 | 4.73 | 4.59 | 3.39 |
EBIT | 96.73 | 7.78 | 93.28 | 103.1 | 36 | 37.55 |
EBIT Margin | 3.78% | 0.35% | 4.98% | 6.89% | 3.37% | 9.00% |
Effective Tax Rate | 11.48% | - | 13.48% | 18.56% | 6.60% | 11.72% |