KRX:003690 Income Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	3,623,763	3,811,891	3,869,523	3,707,750	4,388,376	6,060,948
Total Interest & Dividend Income	362,485	348,732	316,424	262,813	264,644	242,586
Gain (Loss) on Sale of Investments	348,914	117,433	120,101	114,205	25,087	10,408
Other Revenue	89,317	105,176	86,571	62,819	32,405	319,090
Total Revenue	4,424,480	4,383,233	4,392,618	4,147,587	4,710,511	6,633,032
Revenue Growth	-3.62%	-0.21%	5.91%	-11.95%	-28.98%	1.35%
Policy Benefits	3,926,977	3,746,427	4,019,511	3,537,910	4,201,943	5,235,661
Policy Acquisition & Underwriting Costs	-	-	-	-	-	863
Amortization of Goodwill & Intangibles	-	-	-	-	-	2,670
Depreciation & Amortization	-	4,274	5,585	520	416	568
Selling, General & Administrative	119,657	119,878	121,496	114,111	116,701	50,204
Other Operating Expenses	75,866	28,717	26,207	41,394	84,407	167,709
Reinsurance Income or Expense	-	-	-	-	-	-988,762
Total Operating Expenses	4,119,933	3,896,729	4,171,625	3,690,841	4,402,239	6,548,950
Operating Income	304,547	486,504	220,994	456,746	308,273	84,081
Interest Expense	-1,312	-924.13	-418.03	-358.68	-303.12	-316.67
Earnings From Equity Investments	-1,827	-1,827	-4,293	-123	-176	25
Currency Exchange Gain (Loss)	448,709	48,022	273,046	18,168	61,096	123,362
Other Non Operating Income (Expenses)	-1,703	-7,794	-3,260	3,075	-2,035	-2,976
EBT Excluding Unusual Items	748,414	523,981	486,069	477,507	366,854	204,176
Gain (Loss) on Sale of Investments	-79,683	-59,378	-87,604	-103,304	-16,207	-3,610
Gain (Loss) on Sale of Assets	180	180	275	15	1,021	-1
Pretax Income	668,911	464,783	399,215	374,218	351,668	200,565
Income Tax Expense	201,212	140,236	82,143	77,568	73,207	47,218
Net Income	467,699	324,547	317,072	296,651	278,461	153,347
Preferred Dividends & Other Adjustments	41,541	41,541	41,699	40,098	18,955	7,820
Net Income to Common	426,158	283,006	275,373	256,552	259,506	145,527
Net Income Growth	50.93%	2.77%	7.34%	-1.14%	78.32%	9.64%
Shares Outstanding (Basic)	177	177	177	177	177	177
Shares Outstanding (Diluted)	177	177	177	177	177	177
Shares Change	15.90%	-	-	-	-	-3.50%
EPS (Basic)	2411.47	1601.43	1558.24	1451.74	1468.45	823.49
EPS (Diluted)	2411.47	1601.43	1558.24	1379.00	1468.33	823.49
EPS Growth	31.34%	2.77%	13.00%	-6.08%	78.31%	13.66%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	1,296,872	1,655,458	1,149,326	681,694	1,304,980	636,833
Free Cash Flow Per Share	7338.52	9367.63	6503.62	3857.46	7384.41	3603.61
Dividend Per Share	570.000	570.000	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Operating Margin	6.88%	11.10%	5.03%	11.01%	6.54%	1.27%
Profit Margin	9.63%	6.46%	6.27%	6.19%	5.51%	2.19%
Free Cash Flow Margin	29.31%	37.77%	26.16%	16.44%	27.70%	9.60%
EBITDA	327,625	520,579	254,041	476,670	324,054	92,812
EBITDA Margin	7.41%	11.88%	5.78%	11.49%	6.88%	1.40%
D&A For EBITDA	23,078	34,075	33,047	19,924	15,781	8,731
EBIT	304,547	486,504	220,994	456,746	308,273	84,081
EBIT Margin	6.88%	11.10%	5.03%	11.01%	6.54%	1.27%
Effective Tax Rate	30.08%	30.17%	20.58%	20.73%	20.82%	23.54%