Adris grupa d. d. (ZSE:ADRS)

Adris grupa d. d. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	588.52	537.29	473.43	428.58	-	-
Total Interest & Dividend Income	48.33	49.87	46.1	39.77	0.99	1.32
Gain (Loss) on Sale of Investments	-0.3	-0.3	5.55	11.81	8.48	5.45
Non-Insurance Activities Revenue	522.47	477.21	447.72	382.85	701.52	571.83
Other Revenue	-	-	-	-	42.26	39.47
Total Revenue	1,159	1,064	972.8	863.01	753.24	618.07
Revenue Growth (YoY)	11.24%	9.38%	12.72%	14.57%	21.87%	-20.24%
Policy Benefits	542.6	500.68	449.93	396.46	246.8	247.97
Depreciation & Amortization	77.16	72.23	65.11	74.34	70.74	67.7
Non-Insurance Activities Expense	224.47	220.96	198.65	174.44	193.54	149.53
Other Operating Expenses	72.42	69.78	65.25	53.77	67.36	59.9
Total Operating Expenses	1,025	956.88	861.81	767.21	680.58	610.38
Operating Income	134.5	107.19	110.99	95.8	72.66	7.7
Interest Expense	-9.15	-7.13	-5.6	-5.61	-6.05	-6.84
Earnings From Equity Investments	1.42	1.43	1.78	1.4	1.6	1.37
Currency Exchange Gain (Loss)	1.55	1.55	-1.03	3.12	-2.16	5.64
Other Non Operating Income (Expenses)	-	-	-	-0.1	0.21	0.23
EBT Excluding Unusual Items	128.32	103.04	106.14	94.61	66.27	8.09
Gain (Loss) on Sale of Assets	0.33	0.33	1.5	0.88	0.41	0.26
Asset Writedown	-1	-1	-5.95	-1.37	-4.3	-3.25
Legal Settlements	0.13	0.13	-0.4	-0.11	0.64	-0.2
Pretax Income	127.79	102.51	101.29	94.01	63.02	4.9
Income Tax Expense	15.38	15.43	19.04	12.94	9.45	-1.01
Earnings From Continuing Ops.	112.41	87.07	82.26	81.07	53.57	5.91
Net Income to Company	112.41	87.07	82.26	81.07	53.57	5.91
Minority Interest in Earnings	-27.06	-20.49	-19.26	-20.23	-14.18	-9.43
Net Income	85.35	66.59	63	60.83	39.39	-3.52
Net Income to Common	85.35	66.59	63	60.83	39.39	-3.52
Net Income Growth	16.59%	5.70%	3.56%	54.43%	-	-
Shares Outstanding (Basic)	16	16	16	16	16	16
Shares Outstanding (Diluted)	16	16	16	16	16	16
Shares Change (YoY)	0.64%	0.45%	0.03%	-0.15%	-0.34%	-1.00%
EPS (Basic)	5.39	4.22	4.01	3.87	2.50	-0.22
EPS (Diluted)	5.39	4.22	4.01	3.87	2.50	-0.22
EPS Growth	15.85%	5.23%	3.53%	54.66%	-	-
Free Cash Flow	23.34	-43.31	-14.08	29.34	60.02	-39.13
Free Cash Flow Per Share	1.47	-2.75	-0.90	1.87	3.82	-2.48
Dividend Per Share	3.000	3.000	2.570	2.350	2.062	1.656
Dividend Growth	16.73%	16.73%	9.36%	13.94%	24.56%	-
Operating Margin	11.61%	10.07%	11.41%	11.10%	9.65%	1.24%
Profit Margin	7.36%	6.26%	6.48%	7.05%	5.23%	-0.57%
Free Cash Flow Margin	2.01%	-4.07%	-1.45%	3.40%	7.97%	-6.33%
EBITDA	209.22	176.98	177.25	166.4	133.81	68.98
EBITDA Margin	18.05%	16.63%	18.22%	19.28%	17.76%	11.16%
D&A For EBITDA	74.72	69.79	66.26	70.61	61.15	61.28
EBIT	134.5	107.19	110.99	95.8	72.66	7.7
EBIT Margin	11.61%	10.07%	11.41%	11.10%	9.65%	1.24%
Effective Tax Rate	12.04%	15.05%	18.79%	13.76%	14.99%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.