ZMSE:FIDL Income Statement

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

Millions USD. 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	16.13	11.43	7.88	105.82	11.41
Total Interest & Dividend Income	0.22	3	-0.07	87.43	1.16
Gain (Loss) on Sale of Investments	0.02	-	-	-	3.4
Non-Insurance Activities Revenue	-	0.64	0.53	7.89	1.41
Other Revenue	50.06	9.59	9.14	5.41	2.9
Total Revenue	66.43	24.65	18.73	206.55	20.27
Revenue Growth (YoY)	169.44%	31.65%	-90.93%	919.10%	401.98%
Policy Benefits	45.67	12.69	16.62	52.58	21.82
Policy Acquisition & Underwriting Costs	-	-	-	-	0.63
Selling, General & Administrative	14.15	10.64	7.62	22.19	7.75
Provision for Bad Debts	0.33	0.3	0.03	0.39	0.14
Non-Insurance Activities Expense	-	-	-	-	0.47
Other Operating Expenses	-	-	-	-	-0.16
Reinsurance Income or Expense	-	-0.15	-0.08	-2	-
Total Operating Expenses	60.15	23.78	24.36	77.16	30.64
Operating Income	6.28	0.87	-5.63	129.39	-10.37
Interest Expense	-0.83	-0.45	-0.18	-2.85	-0.48
Currency Exchange Gain (Loss)	-0.09	0.03	-	-	0.07
Other Non Operating Income (Expenses)	-	-	-	-292.8	0.08
EBT Excluding Unusual Items	5.35	0.46	-5.81	-166.26	-10.7
Gain (Loss) on Sale of Assets	-	-0	0.02	0.03	0.93
Asset Writedown	3.02	6.11	8.52	178.7	13.8
Pretax Income	8.37	6.57	2.74	12.46	4.03
Income Tax Expense	0.5	0.17	0.4	9.34	1.1
Earnings From Continuing Ops.	7.87	6.4	2.34	3.12	2.93
Minority Interest in Earnings	-3.32	-0.37	-0.01	-10.89	-1.73
Net Income	4.55	6.03	2.33	-7.77	1.2
Net Income to Common	4.55	6.03	2.33	-7.77	1.2
Net Income Growth	-24.49%	159.01%	-	-	-
Shares Outstanding (Basic)	108	108	108	108	108
Shares Outstanding (Diluted)	108	108	108	108	108
Shares Change (YoY)	-0.04%	-	-	-	-
EPS (Basic)	0.04	0.06	0.02	-0.07	0.01
EPS (Diluted)	0.04	0.06	0.02	-0.07	0.01
EPS Growth	-24.46%	159.02%	-	-	-
Free Cash Flow	8.07	1.29	1.36	15.45	-4.71
Free Cash Flow Per Share	0.07	0.01	0.01	0.14	-0.04
Dividend Per Share	-	0.003	-	-	-
Operating Margin	9.45%	3.55%	-30.07%	62.64%	-51.18%
Profit Margin	6.85%	24.45%	12.43%	-3.76%	5.93%
Free Cash Flow Margin	12.15%	5.25%	7.26%	7.48%	-23.23%
EBITDA	6.58	1.18	-5.57	130.14	-10.07
EBITDA Margin	9.90%	4.77%	-29.74%	63.00%	-49.67%
D&A For EBITDA	0.3	0.3	0.06	0.74	0.31
EBIT	6.28	0.87	-5.63	129.39	-10.37
EBIT Margin	9.45%	3.55%	-30.07%	62.64%	-51.18%
Effective Tax Rate	5.93%	2.61%	14.57%	74.95%	27.21%
Revenue as Reported	-	-	-	-	35.22

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