Positive Physicians Holdings, Inc. (PPHI)

PPHI Income Statement

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

Fiscal Year	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period Ending	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Premiums & Annuity Revenue	19.64	19.08	23.7	23.59	22.9
Total Interest & Dividend Income	2.34	2.58	2.96	2.57	2.13
Gain (Loss) on Sale of Investments	-0	-1.46	1.3	-1.53	-
Other Revenue	0.36	-	-	-	-
Total Revenue	22.34	20.2	27.97	24.62	25.03
Revenue Growth (YoY)	10.57%	-27.77%	13.57%	-1.62%	-
Policy Benefits	16.61	13.36	15.57	19.58	13.57
Selling, General & Administrative	0.06	-	-	-	-
Other Operating Expenses	8.87	9.13	12.62	12.34	11.14
Total Operating Expenses	25.54	22.48	28.19	31.92	24.71
Operating Income	-3.21	-2.28	-0.23	-7.3	0.32
Interest Expense	-0.02	-0	-0	-0.01	-0.04
Pretax Income	-3.22	-2.29	-0.23	-7.31	0.28
Income Tax Expense	-0.7	-1.07	0.01	-1.94	0.05
Net Income	-2.52	-1.21	-0.24	-5.37	0.23
Net Income to Common	-2.52	-1.21	-0.24	-5.37	0.23
Shares Outstanding (Basic)	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4
Shares Change (YoY)	-	-	1.27%	-	-
EPS (Basic)	-0.70	-0.34	-0.07	-1.50	0.06
EPS (Diluted)	-0.70	-0.34	-0.07	-1.50	0.06
Free Cash Flow	2.38	-1.26	-13.35	-6.77	-
Free Cash Flow Per Share	0.66	-0.35	-3.69	-1.90	-
Operating Margin	-14.35%	-11.30%	-0.82%	-29.65%	1.28%
Profit Margin	-11.28%	-6.00%	-0.85%	-21.81%	0.92%
Free Cash Flow Margin	10.66%	-6.22%	-47.75%	-27.48%	-
EBITDA	-2.03	-0.8	0.9	-7.21	0.42
EBITDA Margin	-9.10%	-3.96%	3.20%	-29.27%	1.68%
D&A For EBITDA	1.17	1.48	1.12	0.09	0.1
EBIT	-3.21	-2.28	-0.23	-7.3	0.32
EBIT Margin	-14.35%	-11.30%	-0.82%	-29.65%	1.28%
Effective Tax Rate	-	-	-	-	17.86%
Revenue as Reported	22.34	20.2	27.97	24.62	25.03

Source: S&P Capital IQ. Insurance template. Financial Sources.