Ray Sigorta AS
IST:RAYSG.E
Income Statement
Income Statement
Ray Sigorta AS
| Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||
| Gross Premiums Earned |
650
|
695
|
750
|
826
|
887
|
995
|
1 208
|
1 545
|
2 071
|
2 703
|
3 390
|
4 002
|
5 108
|
6 183
|
7 946
|
10 649
|
13 475
|
17 204
|
20 659
|
|
| Revenue |
775
N/A
|
847
+9%
|
915
+8%
|
1 104
+21%
|
1 181
+7%
|
1 323
+12%
|
1 579
+19%
|
1 864
+18%
|
2 493
+34%
|
3 615
+45%
|
4 630
+28%
|
5 794
+25%
|
8 063
+39%
|
8 579
+6%
|
11 349
+32%
|
15 135
+33%
|
18 823
+24%
|
25 491
+35%
|
31 093
+22%
|
|
| Operating Income | ||||||||||||||||||||
| Operating Expenses |
(604)
|
(672)
|
(740)
|
(800)
|
(885)
|
(1 004)
|
(1 147)
|
(1 366)
|
(1 791)
|
(2 401)
|
(2 858)
|
(3 503)
|
(3 980)
|
(4 941)
|
(6 908)
|
(9 586)
|
(13 031)
|
(16 475)
|
(20 213)
|
|
| Selling, General & Administrative |
(74)
|
(88)
|
(92)
|
(94)
|
(106)
|
(104)
|
(135)
|
(177)
|
(213)
|
(355)
|
(421)
|
(441)
|
(594)
|
(633)
|
(1 021)
|
(1 060)
|
(1 375)
|
(1 735)
|
(1 988)
|
|
| Depreciation & Amortization |
(10)
|
(11)
|
(11)
|
(11)
|
(12)
|
(14)
|
(16)
|
(20)
|
(25)
|
(31)
|
(42)
|
(50)
|
(59)
|
(67)
|
(73)
|
(81)
|
(92)
|
(96)
|
(105)
|
|
| Benefits Claims Loss Adjustment |
(543)
|
(607)
|
(689)
|
(814)
|
(945)
|
(1 072)
|
(1 224)
|
(1 406)
|
(1 660)
|
(2 000)
|
(2 505)
|
(3 196)
|
(3 838)
|
(4 624)
|
(6 234)
|
(7 607)
|
(10 169)
|
(12 440)
|
(14 478)
|
|
| Other Operating Expenses |
23
|
33
|
52
|
120
|
177
|
186
|
228
|
237
|
107
|
(14)
|
109
|
185
|
511
|
382
|
420
|
(837)
|
(1 395)
|
(2 204)
|
(3 643)
|
|
| Operating Income |
171
N/A
|
175
+2%
|
175
+0%
|
305
+74%
|
295
-3%
|
319
+8%
|
432
+35%
|
498
+15%
|
702
+41%
|
1 215
+73%
|
1 772
+46%
|
2 291
+29%
|
4 083
+78%
|
3 638
-11%
|
4 441
+22%
|
5 549
+25%
|
5 791
+4%
|
9 016
+56%
|
10 880
+21%
|
|
| Pre-Tax Income | ||||||||||||||||||||
| Interest Income Expense |
(85)
|
(103)
|
(109)
|
(187)
|
(197)
|
(220)
|
(249)
|
(209)
|
(254)
|
(531)
|
(703)
|
(1 068)
|
(2 048)
|
(1 379)
|
(1 861)
|
(2 323)
|
(2 358)
|
(4 192)
|
(5 298)
|
|
| Non-Reccuring Items |
(13)
|
(10)
|
(13)
|
(24)
|
(25)
|
(41)
|
(59)
|
(68)
|
(78)
|
(86)
|
(120)
|
(186)
|
(250)
|
(276)
|
(290)
|
(310)
|
(423)
|
(565)
|
(617)
|
|
| Total Other Income |
1
|
(4)
|
(2)
|
(1)
|
3
|
12
|
13
|
19
|
23
|
23
|
16
|
93
|
99
|
97
|
84
|
26
|
44
|
314
|
359
|
|
| Pre-Tax Income |
74
N/A
|
58
-22%
|
51
-11%
|
93
+81%
|
76
-18%
|
70
-7%
|
137
+95%
|
240
+75%
|
393
+64%
|
620
+58%
|
965
+56%
|
1 130
+17%
|
1 884
+67%
|
2 081
+10%
|
2 373
+14%
|
2 942
+24%
|
3 054
+4%
|
4 573
+50%
|
5 325
+16%
|
|
| Net Income | ||||||||||||||||||||
| Tax Provision |
(16)
|
(16)
|
(16)
|
(25)
|
(27)
|
(27)
|
(34)
|
(60)
|
(93)
|
(105)
|
(93)
|
(228)
|
(185)
|
(458)
|
(666)
|
(730)
|
(949)
|
(1 310)
|
(1 529)
|
|
| Income from Continuing Operations |
58
|
42
|
36
|
68
|
49
|
43
|
102
|
180
|
300
|
516
|
872
|
902
|
1 699
|
1 623
|
1 707
|
2 212
|
2 105
|
3 263
|
3 796
|
|
| Net Income (Common) |
58
N/A
|
42
-28%
|
36
-15%
|
68
+92%
|
49
-29%
|
43
-12%
|
102
+138%
|
180
+75%
|
300
+67%
|
516
+72%
|
872
+69%
|
902
+3%
|
1 699
+88%
|
1 623
-4%
|
1 707
+5%
|
2 212
+30%
|
2 105
-5%
|
3 263
+55%
|
3 796
+16%
|
|
| EPS (Diluted) |
0.36
N/A
|
0.26
-28%
|
0.22
-15%
|
0.42
+91%
|
0.3
-29%
|
0.26
-13%
|
0.63
+142%
|
1.1
+75%
|
1.84
+67%
|
3.16
+72%
|
5.35
+69%
|
5.53
+3%
|
10.42
+88%
|
9.95
-5%
|
10.47
+5%
|
13.56
+30%
|
12.91
-5%
|
20.01
+55%
|
23.28
+16%
|
|