KCLI Income Statement

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

Millions USD. 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	311.79	321.15	333.75	332.65	330.67	350.48
Total Interest & Dividend Income	163.81	164.62	157.64	153.88	142.47	145.68
Gain (Loss) on Sale of Investments	-0.53	-0.68	62.05	-16.64	25.42	21.84
Other Revenue	5.8	5.7	5.47	6.75	12.76	5.91
Total Revenue	480.88	490.79	558.92	476.64	511.31	523.91
Revenue Growth (YoY)	-14.33%	-12.19%	17.26%	-6.78%	-2.40%	2.19%
Policy Benefits	317.1	329.15	340.1	331.37	360.61	359.76
Policy Acquisition & Underwriting Costs	35.46	35.26	34.36	40.59	33.22	42.14
Selling, General & Administrative	178.24	132.71	115.15	125.43	104.56	106.09
Total Operating Expenses	530.8	497.11	489.61	497.4	498.39	508
Operating Income	-49.92	-6.33	69.31	-20.76	12.92	15.91
Pretax Income	-49.92	-6.33	69.31	-20.76	12.92	15.91
Income Tax Expense	-14.3	-1.36	14.39	-4.54	2.22	0.74
Net Income	-35.62	-4.97	54.92	-16.22	10.7	15.17
Net Income to Common	-35.62	-4.97	54.92	-16.22	10.7	15.17
Net Income Growth	-	-	-	-	-29.44%	-37.90%
Shares Outstanding (Basic)	10	10	10	10	10	10
Shares Outstanding (Diluted)	10	10	10	10	10	10
EPS (Basic)	-3.68	-0.51	5.67	-1.67	1.11	1.57
EPS (Diluted)	-3.68	-0.51	5.67	-1.67	1.11	1.57
EPS Growth	-	-	-	-	-29.44%	-37.90%
Free Cash Flow	-117.12	-59.68	-51.45	-54.87	-46.95	4.05
Free Cash Flow Per Share	-12.10	-6.16	-5.31	-5.67	-4.85	0.42
Dividend Per Share	0.560	0.560	0.560	0.690	1.080	1.080
Dividend Growth	-	-	-18.84%	-36.11%	-	-
Operating Margin	-10.38%	-1.29%	12.40%	-4.35%	2.53%	3.04%
Profit Margin	-7.41%	-1.01%	9.83%	-3.40%	2.09%	2.90%
Free Cash Flow Margin	-24.36%	-12.16%	-9.21%	-11.51%	-9.18%	0.77%
EBITDA	-46.45	-2.8	74.57	-14.17	20.89	24.45
EBITDA Margin	-9.66%	-0.57%	13.34%	-2.97%	4.08%	4.67%
D&A For EBITDA	3.48	3.52	5.26	6.59	7.97	8.54
EBIT	-49.92	-6.33	69.31	-20.76	12.92	15.91
EBIT Margin	-10.38%	-1.29%	12.40%	-4.35%	2.53%	3.04%
Effective Tax Rate	-	-	20.76%	-	17.15%	4.67%
Revenue as Reported	480.88	490.79	558.92	476.64	511.31	523.91

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