Ray Sigorta Anonim Sirketi (IST:RAYSG)
Turkey
· Delayed Price · Currency is TRY 234.50
-1.30 (-0.55%)
At close: Dec 4, 2025
IST:RAYSG Income Statement
Financials in millions TRY. Fiscal year is January - December.
Millions TRY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Premiums & Annuity Revenue | 20,175 | 10,374 | 3,820 | 1,487 | 800.38 | 605.59 | Upgrade
|
| Total Interest & Dividend Income | 5,464 | 2,278 | 632.62 | 176.98 | 128.34 | 64.33 | Upgrade
|
| Gain (Loss) on Sale of Investments | 364.36 | 357.97 | 236.36 | 1.46 | -0.32 | 1.78 | Upgrade
|
| Other Revenue | -207.32 | -197.78 | 36.93 | -11.94 | -14.44 | -26.25 | Upgrade
|
| Total Revenue | 25,796 | 12,812 | 4,726 | 1,653 | 913.95 | 645.45 | Upgrade
|
| Revenue Growth (YoY) | 171.86% | 171.09% | 185.87% | 80.89% | 41.60% | 15.66% | Upgrade
|
| Policy Benefits | 15,838 | 7,544 | 2,775 | 1,035 | 641.24 | 407.85 | Upgrade
|
| Depreciation & Amortization | 105.03 | 81.23 | 50.5 | 19.87 | 11.49 | 9.9 | Upgrade
|
| Selling, General & Administrative | 4,692 | 2,112 | 1,104 | 391.6 | 234.1 | 165.04 | Upgrade
|
| Other Operating Expenses | 627.26 | 313.31 | 189.15 | 74.06 | 47.76 | 10.94 | Upgrade
|
| Total Operating Expenses | 21,262 | 10,050 | 4,119 | 1,520 | 934.59 | 593.73 | Upgrade
|
| Operating Income | 4,533 | 2,762 | 607.48 | 133.04 | -20.64 | 51.72 | Upgrade
|
| Currency Exchange Gain (Loss) | 426.24 | 139.35 | 419.73 | 83.2 | 109.49 | 21.88 | Upgrade
|
| Other Non Operating Income (Expenses) | 9.97 | 9.37 | 10.35 | 3 | 1.73 | 1.29 | Upgrade
|
| EBT Excluding Unusual Items | 4,970 | 2,911 | 1,038 | 219.24 | 90.59 | 74.89 | Upgrade
|
| Legal Settlements | -5.58 | -1.73 | -1.48 | -0.26 | -0.13 | -0.26 | Upgrade
|
| Other Unusual Items | 1.34 | 7.47 | 1.08 | - | - | - | Upgrade
|
| Pretax Income | 4,965 | 2,916 | 1,037 | 218.98 | 90.46 | 74.63 | Upgrade
|
| Income Tax Expense | 1,169 | 704.33 | 135.22 | 39.26 | 22.14 | 15.71 | Upgrade
|
| Net Income | 3,796 | 2,212 | 901.94 | 179.72 | 68.32 | 58.92 | Upgrade
|
| Net Income to Common | 3,796 | 2,212 | 901.94 | 179.72 | 68.32 | 58.92 | Upgrade
|
| Net Income Growth | 122.37% | 145.25% | 401.86% | 163.07% | 15.94% | 17.65% | Upgrade
|
| Shares Outstanding (Basic) | 163 | 163 | 163 | 163 | 163 | 163 | Upgrade
|
| Shares Outstanding (Diluted) | 163 | 163 | 163 | 163 | 163 | 163 | Upgrade
|
| EPS (Basic) | 23.28 | 13.56 | 5.53 | 1.10 | 0.42 | 0.36 | Upgrade
|
| EPS (Diluted) | 23.28 | 13.56 | 5.53 | 1.10 | 0.42 | 0.36 | Upgrade
|
| EPS Growth | 122.37% | 145.25% | 401.86% | 163.07% | 15.94% | 17.65% | Upgrade
|
| Free Cash Flow | 6,975 | 7,389 | -482.54 | 1,093 | -65.82 | 112.75 | Upgrade
|
| Free Cash Flow Per Share | 42.77 | 45.31 | -2.96 | 6.70 | -0.40 | 0.69 | Upgrade
|
| Operating Margin | 17.57% | 21.56% | 12.85% | 8.05% | -2.26% | 8.01% | Upgrade
|
| Profit Margin | 14.72% | 17.27% | 19.08% | 10.87% | 7.47% | 9.13% | Upgrade
|
| Free Cash Flow Margin | 27.04% | 57.67% | -10.21% | 66.10% | -7.20% | 17.47% | Upgrade
|
| EBITDA | 4,636 | 2,840 | 637.74 | 149.98 | -10.33 | 59.26 | Upgrade
|
| EBITDA Margin | 17.97% | 22.16% | 13.49% | 9.07% | -1.13% | 9.18% | Upgrade
|
| D&A For EBITDA | 102.59 | 77.72 | 30.26 | 16.94 | 10.31 | 7.54 | Upgrade
|
| EBIT | 4,533 | 2,762 | 607.48 | 133.04 | -20.64 | 51.72 | Upgrade
|
| EBIT Margin | 17.57% | 21.56% | 12.85% | 8.05% | -2.26% | 8.01% | Upgrade
|
| Effective Tax Rate | 23.55% | 24.15% | 13.04% | 17.93% | 24.48% | 21.05% | Upgrade
|
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.