Renaissance Insurance Group JSC (MOEX:RENI)

MOEX:RENI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Premiums & Annuity Revenue	168,204	162,876	116,974	96,799	80,492	74,012
Total Interest & Dividend Income	34,022	14,288	18,653	9,063	7,911	7,418
Total Revenue	202,225	177,164	135,627	105,862	88,403	81,430
Revenue Growth (YoY)	59.91%	30.63%	28.12%	19.75%	8.56%	7.74%
Policy Benefits	123,847	118,642	78,710	50,452	46,023	43,096
Policy Acquisition & Underwriting Costs	36,077	36,077	33,839	42,480	29,713	24,802
Amortization of Goodwill & Intangibles	-	-	-	-	43.71	222.46
Selling, General & Administrative	15,051	14,362	9,879	7,828	6,636	6,505
Provision for Bad Debts	845.23	799.5	1,344	125.54	123.4	192.34
Other Operating Expenses	-1,470	-1,516	2,122	1,332	1,145	830.41
Total Operating Expenses	174,351	168,364	125,894	102,218	83,685	75,648
Operating Income	27,875	8,800	9,733	3,645	4,719	5,782
Interest Expense	-190.12	-223.79	-218.05	-463.05	-366.54	-337.32
Earnings From Equity Investments	-	-	-134.22	-	-	-
Currency Exchange Gain (Loss)	-2,397	2,302	3,527	20.8	767.67	-220.37
Other Non Operating Income (Expenses)	-15,688	-	-	262.96	353.11	-
EBT Excluding Unusual Items	9,600	10,878	12,908	3,466	5,473	5,224
Gain (Loss) on Sale of Assets	-	47.59	196.21	-	-	-
Pretax Income	9,600	10,925	13,104	3,466	5,473	5,224
Income Tax Expense	-743.81	-206.54	2,776	299.86	1,028	1,077
Earnings From Continuing Ops.	10,344	11,132	10,328	3,166	4,445	4,147
Earnings From Discontinued Ops.	-	-	-	425.19	234.91	-
Net Income	10,344	11,132	10,328	3,591	4,680	4,147
Net Income to Common	10,344	11,132	10,328	3,591	4,680	4,147
Net Income Growth	19.13%	7.79%	187.61%	-23.26%	12.85%	22.78%
Shares Outstanding (Basic)	503	504	537	445	410	410
Shares Outstanding (Diluted)	503	504	537	445	410	410
Shares Change (YoY)	-3.83%	-6.10%	20.62%	8.64%	-	-
EPS (Basic)	20.58	22.08	19.24	8.07	11.42	10.12
EPS (Diluted)	20.58	22.08	19.24	8.07	11.42	10.12
EPS Growth	23.87%	14.78%	138.44%	-29.37%	12.85%	22.78%
Free Cash Flow	24,464	26,687	15,371	-11,169	3,071	8,606
Free Cash Flow Per Share	48.68	52.94	28.63	-25.09	7.50	21.00
Dividend Per Share	-	-	10.000	-	-	-
Operating Margin	13.78%	4.97%	7.18%	3.44%	5.34%	7.10%
Profit Margin	5.12%	6.28%	7.61%	3.39%	5.29%	5.09%
Free Cash Flow Margin	12.10%	15.06%	11.33%	-10.55%	3.47%	10.57%
EBITDA	28,234	9,137	10,026	3,871	4,930	5,983
EBITDA Margin	13.96%	5.16%	7.39%	3.66%	5.58%	7.35%
D&A For EBITDA	359.43	337.49	293.62	225.71	211.38	201.35
EBIT	27,875	8,800	9,733	3,645	4,719	5,782
EBIT Margin	13.78%	4.97%	7.18%	3.44%	5.34%	7.10%
Effective Tax Rate	-	-	21.19%	8.65%	18.79%	20.62%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.