Challenger Ltd
OTC:CFIGF
Income Statement
Earnings Waterfall
Challenger Ltd
Income Statement
Challenger Ltd
| Jun-2006 | Dec-2006 | Jun-2007 | Dec-2007 | Jun-2008 | Dec-2008 | Jun-2009 | Dec-2009 | Jun-2010 | Dec-2010 | Jun-2011 | Dec-2011 | Jun-2012 | Dec-2012 | Jun-2013 | Dec-2013 | Jun-2014 | Dec-2014 | Jun-2015 | Dec-2015 | Jun-2016 | Dec-2016 | Jun-2017 | Dec-2017 | Jun-2018 | Dec-2018 | Jun-2019 | Dec-2019 | Jun-2020 | Dec-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | Jun-2024 | Dec-2024 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||
| Interest Expense |
110
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
206
|
0
|
140
|
0
|
105
|
0
|
68
|
0
|
64
|
0
|
71
|
0
|
66
|
2
|
51
|
0
|
40
|
0
|
41
|
0
|
549
|
0
|
767
|
0
|
819
|
|
| Gross Premiums Earned |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1 591
|
0
|
1 855
|
0
|
759
|
760
|
492
|
465
|
554
|
|
| Revenue |
2 333
N/A
|
2 469
+6%
|
2 763
+12%
|
2 448
-11%
|
2 465
+1%
|
2 032
-18%
|
1 973
-3%
|
1 657
-16%
|
1 635
-1%
|
1 494
-9%
|
1 527
+2%
|
1 422
-7%
|
1 388
-2%
|
1 564
+13%
|
1 598
+2%
|
1 552
-3%
|
1 616
+4%
|
1 690
+5%
|
1 689
0%
|
1 752
+4%
|
1 773
+1%
|
1 804
+2%
|
1 972
+9%
|
2 160
+10%
|
2 191
+1%
|
1 956
-11%
|
2 373
+21%
|
2 701
+14%
|
1 133
-58%
|
2 422
+114%
|
2 770
+14%
|
2 952
+7%
|
1 397
-53%
|
1 840
+32%
|
2 126
+16%
|
2 641
+24%
|
2 614
-1%
|
2 667
+2%
|
2 527
-5%
|
|
| Gross Profit | ||||||||||||||||||||||||||||||||||||||||
| Cost of Revenue |
(116)
|
(1 938)
|
(1 435)
|
(1 575)
|
(1 747)
|
(1 657)
|
(1 276)
|
(839)
|
(745)
|
(692)
|
(701)
|
(698)
|
(655)
|
(541)
|
(428)
|
(407)
|
(441)
|
(321)
|
(429)
|
(200)
|
(449)
|
(219)
|
(381)
|
(249)
|
(526)
|
(220)
|
(616)
|
(214)
|
(476)
|
(362)
|
(574)
|
(228)
|
(303)
|
(210)
|
(316)
|
0
|
0
|
0
|
0
|
|
| Gross Profit |
2 218
N/A
|
531
-76%
|
1 328
+150%
|
873
-34%
|
718
-18%
|
376
-48%
|
697
+86%
|
818
+17%
|
890
+9%
|
802
-10%
|
826
+3%
|
724
-12%
|
733
+1%
|
1 124
+53%
|
1 171
+4%
|
1 145
-2%
|
1 175
+3%
|
1 369
+16%
|
1 260
-8%
|
1 552
+23%
|
1 324
-15%
|
1 586
+20%
|
1 592
+0%
|
1 910
+20%
|
1 664
-13%
|
1 736
+4%
|
1 757
+1%
|
2 487
+42%
|
657
-74%
|
2 061
+214%
|
2 196
+7%
|
2 723
+24%
|
1 504
-45%
|
1 631
+8%
|
2 144
+31%
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
|
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Expenses |
(1 927)
|
(282)
|
(849)
|
(602)
|
(783)
|
(749)
|
(856)
|
(599)
|
(548)
|
(516)
|
(536)
|
(579)
|
(586)
|
(608)
|
(638)
|
(688)
|
(762)
|
(838)
|
(852)
|
(887)
|
(938)
|
(1 048)
|
(1 083)
|
(1 179)
|
(1 264)
|
(1 338)
|
(1 336)
|
(1 367)
|
(1 266)
|
(2 026)
|
(1 357)
|
(1 500)
|
(1 300)
|
(1 912)
|
(1 019)
|
(1 623)
|
(1 709)
|
(1 620)
|
(1 410)
|
|
| Selling, General & Administrative |
(489)
|
(868)
|
(534)
|
(527)
|
(701)
|
(680)
|
(805)
|
(540)
|
(516)
|
(487)
|
(502)
|
(540)
|
(546)
|
(566)
|
(537)
|
(633)
|
(719)
|
(775)
|
(804)
|
(765)
|
(872)
|
(919)
|
(1 008)
|
(1 067)
|
(1 206)
|
(1 218)
|
(1 302)
|
(1 327)
|
(1 217)
|
(1 850)
|
(1 530)
|
(1 377)
|
(1 749)
|
(1 765)
|
(988)
|
(981)
|
(1 072)
|
(964)
|
(1 045)
|
|
| Depreciation & Amortization |
(18)
|
(21)
|
(15)
|
(9)
|
(13)
|
(14)
|
(17)
|
(13)
|
(9)
|
(9)
|
(8)
|
(7)
|
(8)
|
(10)
|
(14)
|
(16)
|
(18)
|
0
|
(19)
|
0
|
(16)
|
0
|
(15)
|
0
|
(16)
|
0
|
(15)
|
(2)
|
(15)
|
(7)
|
(15)
|
0
|
(14)
|
0
|
(15)
|
0
|
(14)
|
0
|
(18)
|
|
| Benefits Claims Loss Adjustment |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(456)
|
(580)
|
(606)
|
(595)
|
(615)
|
|
| Other Operating Expenses |
(1 421)
|
607
|
(299)
|
(65)
|
(68)
|
(55)
|
(35)
|
(46)
|
(23)
|
(20)
|
(26)
|
(31)
|
(32)
|
(32)
|
(88)
|
(38)
|
(25)
|
(63)
|
(29)
|
(122)
|
(50)
|
(130)
|
(60)
|
(112)
|
(42)
|
(118)
|
(18)
|
(38)
|
(34)
|
(169)
|
189
|
(123)
|
463
|
(147)
|
440
|
(62)
|
(17)
|
(61)
|
267
|
|
| Operating Income |
291
N/A
|
249
-14%
|
480
+93%
|
271
-44%
|
(64)
N/A
|
(373)
-481%
|
(159)
+57%
|
219
N/A
|
342
+57%
|
287
-16%
|
290
+1%
|
146
-50%
|
146
+0%
|
415
+184%
|
532
+28%
|
458
-14%
|
413
-10%
|
531
+29%
|
408
-23%
|
666
+63%
|
386
-42%
|
537
+39%
|
509
-5%
|
731
+44%
|
400
-45%
|
398
-1%
|
421
+6%
|
1 120
+166%
|
(610)
N/A
|
35
N/A
|
840
+2 334%
|
1 223
+46%
|
(206)
N/A
|
(282)
-37%
|
792
N/A
|
1 018
+29%
|
905
-11%
|
1 047
+16%
|
1 117
+7%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||
| Interest Income Expense |
(110)
|
(0)
|
(169)
|
2
|
2
|
1
|
3
|
3
|
4
|
7
|
8
|
8
|
8
|
10
|
13
|
15
|
16
|
(135)
|
15
|
(180)
|
17
|
(158)
|
18
|
(223)
|
30
|
(232)
|
22
|
(347)
|
26
|
(313)
|
(5)
|
(316)
|
515
|
391
|
(945)
|
(780)
|
(767)
|
(860)
|
(823)
|
|
| Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
29
|
29
|
0
|
0
|
0
|
(2)
|
0
|
0
|
(9)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
31
|
51
|
20
|
(19)
|
|
| Gain/Loss on Disposition of Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
9
|
53
|
45
|
0
|
0
|
0
|
0
|
0
|
|
| Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(1)
|
0
|
(6)
|
(5)
|
(3)
|
(17)
|
0
|
(20)
|
0
|
(8)
|
0
|
(10)
|
0
|
(6)
|
0
|
(7)
|
0
|
(4)
|
0
|
(5)
|
0
|
396
|
0
|
0
|
0
|
0
|
|
| Pre-Tax Income |
181
N/A
|
249
+37%
|
311
+25%
|
272
-12%
|
(62)
N/A
|
(373)
-500%
|
(156)
+58%
|
221
N/A
|
346
+56%
|
294
-15%
|
298
+1%
|
154
-48%
|
155
+1%
|
424
+174%
|
546
+29%
|
467
-14%
|
424
-9%
|
393
-7%
|
406
+3%
|
516
+27%
|
412
-20%
|
379
-8%
|
519
+37%
|
508
-2%
|
418
-18%
|
165
-60%
|
438
+165%
|
765
+75%
|
(591)
N/A
|
(278)
+53%
|
831
N/A
|
916
+10%
|
357
-61%
|
154
-57%
|
242
+57%
|
269
+11%
|
190
-30%
|
208
+10%
|
275
+33%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(51)
|
(64)
|
(77)
|
(61)
|
31
|
119
|
69
|
(36)
|
(60)
|
(34)
|
(5)
|
31
|
12
|
(47)
|
(84)
|
(58)
|
(54)
|
(65)
|
(79)
|
(103)
|
(82)
|
(78)
|
(121)
|
(116)
|
(95)
|
(31)
|
(127)
|
(238)
|
170
|
80
|
(238)
|
(260)
|
(104)
|
(54)
|
(63)
|
(67)
|
(55)
|
(61)
|
(83)
|
|
| Income from Continuing Operations |
130
|
184
|
234
|
211
|
(31)
|
(254)
|
(88)
|
185
|
286
|
259
|
293
|
184
|
167
|
377
|
461
|
409
|
370
|
328
|
328
|
413
|
330
|
301
|
398
|
393
|
324
|
134
|
311
|
527
|
(421)
|
(198)
|
592
|
656
|
254
|
100
|
179
|
202
|
134
|
147
|
192
|
|
| Income to Minority Interest |
4
|
18
|
21
|
(5)
|
(5)
|
2
|
(3)
|
(1)
|
(11)
|
(35)
|
(31)
|
(21)
|
(18)
|
(27)
|
(45)
|
(48)
|
(29)
|
(24)
|
(29)
|
(9)
|
(2)
|
(6)
|
(1)
|
(1)
|
(1)
|
(1)
|
(3)
|
(5)
|
5
|
5
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
|
| Net Income (Common) |
134
N/A
|
202
+51%
|
255
+26%
|
217
-15%
|
(44)
N/A
|
(248)
-461%
|
(91)
+63%
|
194
N/A
|
283
+46%
|
224
-21%
|
261
+17%
|
164
-37%
|
149
-9%
|
351
+136%
|
417
+19%
|
361
-13%
|
341
-6%
|
304
-11%
|
299
-2%
|
403
+35%
|
328
-19%
|
295
-10%
|
398
+35%
|
392
-2%
|
323
-18%
|
133
-59%
|
308
+131%
|
522
+70%
|
(416)
N/A
|
(193)
+54%
|
592
N/A
|
652
+10%
|
254
-61%
|
94
-63%
|
171
+82%
|
197
+15%
|
130
-34%
|
146
+12%
|
192
+32%
|
|
| EPS (Diluted) |
0.24
N/A
|
0.36
+50%
|
0.44
+22%
|
0.34
-23%
|
-0.06
N/A
|
-0.43
-617%
|
-0.16
+63%
|
0.33
N/A
|
0.5
+52%
|
0.43
-14%
|
0.51
+19%
|
0.31
-39%
|
0.28
-10%
|
0.65
+132%
|
0.78
+20%
|
0.68
-13%
|
0.63
-7%
|
0.51
-19%
|
0.51
N/A
|
0.67
+31%
|
0.53
-21%
|
0.5
-6%
|
0.65
+30%
|
0.58
-11%
|
0.46
-21%
|
0.22
-52%
|
0.39
+77%
|
0.67
+72%
|
-0.68
N/A
|
-0.22
+68%
|
0.64
N/A
|
0.74
+16%
|
0.29
-61%
|
0.11
-62%
|
0.26
+136%
|
0.29
+12%
|
0.19
-34%
|
0.21
+11%
|
0.28
+33%
|
|