LON:0J3H Income Statement

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

Millions USD. 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
Net Premiums Earned	24,030	22,567	21,026	19,390	17,999
Investment Income	2,911	2,568	2,305	2,177	2,313
Net Gains on Investments	-100	-61	-188	-627	509
Total Other Revenues	1,527	1,461	1,384	1,422	1,569
Revenue	28,368	26,535	24,527	22,362	22,390
Revenue Growth (YoY)	6.91%	8.19%	9.68%	-0.13%	9.10%
Insurance Benefits & Claims	15,238	14,874	14,238	13,138	12,720
Policy Amortization Costs	2,516	2,282	2,044	1,824	1,668
Other Operating Expenses	5,655	5,331	4,958	4,925	4,863
Operating Income	4,959	4,048	3,287	2,475	3,139
Interest Expense	-199	-199	-199	-213	-234
Total Non-Operating Income (Expense)	-199	-199	-199	-213	-234
Pretax Income	4,760	3,849	3,088	2,262	2,905
Provision for Income Taxes	924	738	584	443	534
Net Income	3,815	3,090	2,483	1,798	2,350
Net Income Attributable to Preferred Dividends	21	21	21	21	21
Net Income to Common	3,815	3,090	2,483	1,798	2,350
Net Income Growth	23.46%	24.45%	38.10%	-23.49%	36.95%
Shares Outstanding (Basic)	282	294	307	325	349
Shares Outstanding (Diluted)	287	299	312	330	354
Shares Change (YoY)	-4.05%	-4.14%	-5.46%	-6.95%	-1.80%
EPS (Basic)	13.51	10.51	8.09	5.54	6.73
EPS (Diluted)	13.32	10.35	7.97	5.46	6.64
EPS Growth	28.70%	29.86%	45.97%	-17.77%	39.50%
Free Cash Flow	5,753	5,764	4,005	3,833	3,960
Free Cash Flow Growth	-0.19%	43.92%	4.49%	-3.21%	5.40%
Free Cash Flow Per Share	20.08	19.30	12.86	11.63	11.18
Dividends Per Share	2.160	1.930	1.745	1.580	1.440
Dividend Growth	11.92%	10.60%	10.44%	9.72%	10.77%
Operating Margin	17.48%	15.26%	13.40%	11.07%	14.02%
Profit Margin	13.52%	11.72%	10.21%	8.13%	10.59%
FCF Margin	20.28%	21.72%	16.33%	17.14%	17.69%
EBITDA	5,355	4,404	3,797	3,100	3,819
EBITDA Margin	18.88%	16.60%	15.48%	13.86%	17.06%
EBIT	4,959	4,048	3,287	2,475	3,139
EBIT Margin	17.48%	15.26%	13.40%	11.07%	14.02%
Effective Tax Rate	19.41%	19.17%	18.91%	19.58%	18.38%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.