Consolidated Hallmark Holdings Plc (NGX:CONHALLPLC)

NGX:CONHALLPLC Income Statement

Financials in millions NGN. 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	40,635	29,428	15,711	11,880	6,050	6,007
Total Interest & Dividend Income	4,731	2,984	1,460	1,110	827.19	591.47
Gain (Loss) on Sale of Investments	4,213	16,632	1,982	401.87	375.51	348.88
Other Revenue	-8.34	-	-	-	529.27	493.37
Total Revenue	49,570	49,044	19,153	13,392	7,782	7,441
Revenue Growth (YoY)	16.86%	156.06%	43.02%	72.10%	4.58%	13.75%
Policy Benefits	41,111	33,912	12,109	9,102	2,288	2,566
Policy Acquisition & Underwriting Costs	-7,581	-7,581	3,717	2,607	2,289	1,993
Amortization of Goodwill & Intangibles	11.82	11.82	9.29	11.43	11.1	10.96
Depreciation & Amortization	109.08	109.08	72.82	78.51	118.2	105.3
Selling, General & Administrative	2,176	2,176	926.32	812.88	1,115	1,108
Provision for Bad Debts	-	-	1.39	1.5	0.22	4.74
Other Operating Expenses	-389.47	-674.24	-33.44	79.34	315.96	94.09
Total Operating Expenses	36,739	29,215	17,542	12,979	7,053	6,659
Operating Income	12,831	19,829	1,611	412.83	728.91	781.7
Currency Exchange Gain (Loss)	-1,246	3,530	2,959	590.68	266.54	56.65
Other Non Operating Income (Expenses)	-81.68	-81.68	77.14	-24.93	-30.84	-69.33
EBT Excluding Unusual Items	11,504	23,277	4,647	978.58	964.61	769.02
Gain (Loss) on Sale of Assets	11.66	11.66	4.94	4.67	8.06	4.57
Other Unusual Items	-0.43	-0.43	-	-	-1	-1.02
Pretax Income	11,515	23,288	4,652	983.24	971.67	772.56
Income Tax Expense	662.38	662.38	882.7	436.23	181.04	94.58
Net Income	10,853	22,625	3,769	547.01	790.64	677.98
Net Income to Common	10,853	22,625	3,769	547.01	790.64	677.98
Net Income Growth	-45.98%	500.28%	589.04%	-30.81%	16.62%	12.94%
Shares Outstanding (Basic)	10,840	10,840	10,840	10,840	10,840	9,824
Shares Outstanding (Diluted)	10,840	10,840	10,840	10,840	10,840	9,824
Shares Change (YoY)	-	-	-	-	10.35%	13.28%
EPS (Basic)	1.00	2.09	0.35	0.05	0.07	0.07
EPS (Diluted)	1.00	2.09	0.35	0.05	0.07	0.07
EPS Growth	-45.98%	500.28%	589.05%	-30.81%	5.68%	-0.30%
Free Cash Flow	8,195	5,983	1,989	1,400	-170.91	140.57
Free Cash Flow Per Share	0.76	0.55	0.18	0.13	-0.02	0.01
Dividend Per Share	0.100	-	0.050	0.030	0.020	0.020
Dividend Growth	100.00%	-	66.67%	50.00%	-	-
Operating Margin	25.89%	40.43%	8.41%	3.08%	9.37%	10.51%
Profit Margin	21.89%	46.13%	19.68%	4.08%	10.16%	9.11%
Free Cash Flow Margin	16.53%	12.20%	10.38%	10.46%	-2.20%	1.89%
EBITDA	13,103	20,044	1,684	559.88	847.11	886.99
EBITDA Margin	26.43%	40.87%	8.79%	4.18%	10.89%	11.92%
D&A For EBITDA	272.21	214.87	72.82	147.05	118.2	105.3
EBIT	12,831	19,829	1,611	412.83	728.91	781.7
EBIT Margin	25.89%	40.43%	8.41%	3.08%	9.37%	10.51%
Effective Tax Rate	5.75%	2.84%	18.98%	44.37%	18.63%	12.24%

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