KRX:000810 Income Statement

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

Millions KRW. 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	17,204,492	16,097,552	15,401,493	14,355,538	18,774,734	18,928,386
Total Interest & Dividend Income	2,522,613	2,411,635	2,248,702	2,334,988	2,261,042	2,074,354
Gain (Loss) on Sale of Investments	403,550	403,073	312,014	187,330	216,467	201,980
Other Revenue	1,384,874	621,987	564,500	298,357	492,136	685,989
Total Revenue	21,515,529	19,534,247	18,526,708	17,176,213	21,744,380	21,890,710
Revenue Growth (YoY)	11.41%	5.44%	7.86%	-21.01%	-0.67%	4.16%
Policy Benefits	16,782,871	15,414,230	14,472,966	13,949,660	15,021,560	15,454,088
Policy Acquisition & Underwriting Costs	76,117	53,838	40,376	30,631	2,455,183	2,660,255
Amortization of Goodwill & Intangibles	-	-	-	-	138,053	144,957
Depreciation & Amortization	7,583	2,925	2,056	1,894	137,149	149,040
Selling, General & Administrative	164,198	177,205	78,427	140,616	555,180	517,235
Other Operating Expenses	1,173,695	1,152,865	475,587	421,678	1,168,551	882,429
Reinsurance Income or Expense	-	-	-	-	-122,966	-129,149
Total Operating Expenses	18,465,847	16,993,333	15,376,524	14,877,676	20,422,401	20,606,202
Operating Income	3,049,682	2,540,914	3,150,184	2,298,537	1,321,978	1,284,508
Interest Expense	-543,721	-457,189	-445,160	-301,081	-59,175	-40,106
Earnings From Equity Investments	114,891	91,036	83,439	12,350	-19,957	-34,902
Currency Exchange Gain (Loss)	716,608	1,044,938	221,323	210,044	304,709	-131,966
Other Non Operating Income (Expenses)	13,179	3,467	6,158	13,628	12,727	18,183
EBT Excluding Unusual Items	3,350,639	3,223,166	3,015,944	2,233,478	1,560,283	1,095,717
Gain (Loss) on Sale of Investments	-701,877	-479,066	-569,063	-162,842	-60,651	-68,044
Gain (Loss) on Sale of Assets	656	350	-535	422	447	-32
Asset Writedown	63	99	236	-242	209	507
Pretax Income	2,649,480	2,744,549	2,446,582	2,070,817	1,500,288	1,028,148
Income Tax Expense	655,700	667,751	624,967	533,821	389,003	275,825
Earnings From Continuing Ops.	1,993,780	2,076,798	1,821,614	1,536,996	1,111,285	752,323
Earnings From Discontinued Ops.	-	-	-	89,706	13,425	4,980
Net Income to Company	1,993,780	2,076,798	1,821,614	1,626,702	1,124,710	757,303
Minority Interest in Earnings	-3,112	-3,226	-3,181	-3,715	-2,492	-2,315
Net Income	1,990,668	2,073,572	1,818,434	1,622,987	1,122,218	754,988
Preferred Dividends & Other Adjustments	243,304	130,800	-	-	-	-
Net Income to Common	1,747,364	1,942,772	1,818,434	1,622,987	1,122,218	754,988
Net Income Growth	-2.63%	14.03%	12.04%	44.62%	48.64%	17.42%
Shares Outstanding (Basic)	43	43	43	43	43	43
Shares Outstanding (Diluted)	43	43	43	43	43	43
EPS (Basic)	41105.24	45702.04	42777.10	38179.38	26399.23	17760.46
EPS (Diluted)	41105.24	45702.04	42777.00	38179.38	26399.23	17760.46
EPS Growth	-14.53%	6.84%	12.04%	44.62%	48.64%	17.42%
Free Cash Flow	2,185,777	1,902,295	-617,059	-384,670	513,788	1,458,695
Free Cash Flow Per Share	51418.54	44749.87	-14515.79	-9049.04	12086.42	34314.56
Dividend Per Share	19000.000	19000.000	-	-	-	8800.000
Dividend Growth	-	-	-	-	-	3.53%
Operating Margin	14.17%	13.01%	17.00%	13.38%	6.08%	5.87%
Profit Margin	8.12%	9.95%	9.81%	9.45%	5.16%	3.45%
Free Cash Flow Margin	10.16%	9.74%	-3.33%	-2.24%	2.36%	6.66%
EBITDA	3,289,634	2,777,363	3,382,693	2,584,495	1,616,575	1,603,649
EBITDA Margin	15.29%	14.22%	18.26%	15.05%	7.43%	7.33%
D&A For EBITDA	239,952	236,449	232,509	285,958	294,597	319,141
EBIT	3,049,682	2,540,914	3,150,184	2,298,537	1,321,978	1,284,508
EBIT Margin	14.17%	13.01%	17.00%	13.38%	6.08%	5.87%
Effective Tax Rate	24.75%	24.33%	25.54%	25.78%	25.93%	26.83%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.