STO:SFAB Income Statement

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

Millions SEK. 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
Premiums & Annuity Revenue	1,063	1,129	1,094	1,100	981.29
Total Interest & Dividend Income	57.14	68.18	55.69	19.14	13.41
Gain (Loss) on Sale of Investments	23.01	22.76	28.71	-33.36	27.3
Other Revenue	2.84	7.71	7.87	9.3	6.75
Total Revenue	1,146	1,227	1,186	1,095	1,029
Revenue Growth (YoY)	-6.61%	3.44%	8.37%	6.42%	10.81%
Policy Benefits	274.66	284.62	263.14	240.56	231.02
Selling, General & Administrative	681.34	726.6	699.54	712.8	634.53
Other Operating Expenses	0.03	4.6	5.09	4.93	2.61
Total Operating Expenses	956.03	1,016	967.77	958.29	868.16
Operating Income	190.05	211.42	218.6	136.49	160.58
Interest Expense	-0.57	-0.75	-0.25	-0.34	-0.29
Currency Exchange Gain (Loss)	-1.54	0.5	1.43	3.05	1.47
EBT Excluding Unusual Items	187.94	211.16	219.78	139.2	161.77
Other Unusual Items	-	-	-	-	-10.4
Pretax Income	187.94	211.16	219.78	139.2	151.37
Income Tax Expense	38.9	46.45	54.41	28.54	31.39
Net Income	149.04	164.71	165.36	110.66	119.98
Net Income to Common	149.04	164.71	165.36	110.66	119.98
Net Income Growth	-9.51%	-0.39%	49.44%	-7.77%	176.63%
Shares Outstanding (Basic)	18	18	19	20	20
Shares Outstanding (Diluted)	18	19	19	20	20
Shares Change (YoY)	-3.52%	-2.56%	-4.46%	-0.19%	-
EPS (Basic)	8.31	8.99	8.67	5.54	6.00
EPS (Diluted)	8.31	8.86	8.67	5.54	6.00
EPS Growth	-6.21%	2.18%	56.42%	-7.60%	176.63%
Free Cash Flow	70.11	123.08	-114.04	184.86	163.06
Free Cash Flow Per Share	3.91	6.62	-5.98	9.26	8.15
Dividend Per Share	5.250	5.000	4.500	2.850	-
Dividend Growth	5.00%	11.11%	57.89%	-	-
Operating Margin	16.58%	17.23%	18.43%	12.47%	15.61%
Profit Margin	13.00%	13.42%	13.94%	10.11%	11.66%
Free Cash Flow Margin	6.12%	10.03%	-9.61%	16.89%	15.85%
EBITDA	198.54	218.48	225.47	143.32	170.59
EBITDA Margin	17.32%	17.80%	19.00%	13.09%	16.58%
D&A For EBITDA	8.49	7.06	6.87	6.83	10
EBIT	190.05	211.42	218.6	136.49	160.58
EBIT Margin	16.58%	17.23%	18.43%	12.47%	15.61%
Effective Tax Rate	20.70%	22.00%	24.76%	20.51%	20.73%

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