Guardian Holdings Limited (TTSE:GHL)
Trinidad and Tobago flag Trinidad and Tobago · Delayed Price · Currency is TTD
16.45
0.00 (0.00%)
At close: Jul 23, 2026

Guardian Holdings Financials Overview

Millions TTD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
7,0427,0567,0756,5795,7836,622
Revenue Growth
0.13%-0.27%7.54%13.77%-12.68%11.70%
Operating Income
1,1981,2181,2461,000700.721,030
Net Income
863.91,533850.15645.43471.71782.33
Earnings Per Share
3.726.613.662.782.033.37
EPS Growth
-37.76%80.34%31.72%36.83%-39.70%1.02%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Life, Health and Pension Business
3,6533,6933,8973,6363,2915,060
Property and Casualty Business
3,2963,2583,0342,8172,5261,557
Asset Management
132.49127.83111.82115.6134.37163.33
Insurance Brokerage Business
123.1122.9117.69110.510.37-
Other Including Consolidation Adjustments
-106.52-89.79-73.23-55.69-15.5-21.54
Total
7,0987,1127,0886,6245,8376,759

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
3,8053,6624,0152,9263,5673,688
Total Debt
3,5283,4713,7113,3383,3603,618
Net Cash (Debt)
277.15191.05304.23-411.71207.8170.29
Net Cash Growth
--37.20%--195.66%-79.34%
Net Cash Per Share
1.190.821.31-1.770.900.30

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,090-542.631,121-458.91281.12-342.59
Capital Expenditures
-36.93-40.54-31.78-48.39-63.7-57.77
Free Cash Flow
1,054-583.171,089-507.3217.41-400.35
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
17.01%17.26%17.61%15.20%12.12%15.55%
Pretax Margin
15.34%15.59%15.54%13.04%10.47%15.11%
Profit Margin
12.27%21.73%12.02%9.81%8.16%11.81%
FCF Margin
14.96%-8.27%15.39%-7.71%3.76%-6.05%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.9100.9100.8000.7500.7200.700
Dividend Per Share Growth
-1.98%13.75%6.67%4.17%2.86%-
Dividend Yield
5.53%6.36%5.98%4.64%3.22%2.89%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.432.244.086.8113.288.90
P/FCF Ratio
3.62-3.19-28.80-
PS Ratio
0.540.490.490.671.081.05