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BreakdownTTM12/31/202412/31/202312/31/202212/31/2021

Total Revenue
415,777,000
424,232,000
439,337,000
234,121,000
354,727,000
Total Premiums Earned
88,587,000
88,257,000
83,403,000
74,576,000
69,460,000
Net Investment Income
38,540,000
49,297,000
69,144,000
-63,120,000
77,341,000
Net Realized Gain Loss on Investments
5,948,000
3,502,000
5,711,000
-4,779,000
1,201,000
Interest Income
23,119,000
21,825,000
15,764,000
10,263,000
7,465,000

Fee Revenue & Other Income
259,583,000
261,351,000
265,315,000
217,181,000
199,260,000
Fees And Commissions
204,979,000
207,251,000
211,876,000
162,842,000
151,204,000
Other Income Expense
54,604,000
54,100,000
53,439,000
54,339,000
48,056,000

Total Expenses
315,959,000
313,856,000
319,171,000
264,621,000
242,866,000

Loss Adjustment Expense
61,365,000
60,044,000
61,216,000
62,889,000
55,788,000
Net Policyholder Benefits And Claims
61,365,000
60,044,000
61,216,000
62,889,000
55,788,000
Underwriting Expenses
17,423,000
16,808,000
15,270,000
11,706,000
12,559,000
Fees & Commission Expense
161,401,000
163,642,000
169,281,000
124,319,000
114,138,000

Selling General and Administrative
35,047,000
32,711,000
31,495,000
25,056,000
23,044,000

General & Administrative Expense
35,047,000
32,711,000
31,495,000
25,056,000
23,044,000
Other G and A
35,047,000
32,711,000
31,495,000
25,056,000
23,044,000
Selling & Marketing Expense
--
25,642,000
25,458,000
19,506,000
18,843,000

Net Non Operating Interest Income Expense
-5,141,000
-5,200,000
-5,003,000
-4,352,000
-4,172,000
Interest Expense Non Operating
5,141,000
5,200,000
5,003,000
4,352,000
4,172,000
Income from Associates & Other Participating Interests
1,474,000
1,841,000
1,973,000
1,863,000
886,000

Special Income Charges
--
--
--
0
0
Impairment of Capital Assets
--
--
--
0
0
Other Operating Expenses
37,056,000
37,292,000
38,879,000
38,162,000
34,051,000
Pretax Income
99,818,000
110,376,000
120,166,000
-30,500,000
111,861,000
Tax Provision
18,417,000
20,815,000
23,019,000
-8,502,000
20,912,000

Net Income Common Stockholders
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000

Net Income
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000

Net Income Including Non-Controlling Interests
81,401,000
89,561,000
97,147,000
-21,998,000
90,949,000
Net Income Continuous Operations
81,401,000
89,561,000
97,147,000
-21,998,000
90,949,000
Minority Interests
-505,000
-566,000
-924,000
-761,000
-1,012,000
Diluted NI Available to Com Stockholders
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000
Basic EPS
56.27k
61.90k
66.41k
-15.49k
59.55k
Diluted EPS
56.27k
61.90k
66.41k
-15.49k
59.55k
Basic Average Shares
1,437.43
1,437.72
1,448.88
1,468.88
1,510.18
Diluted Average Shares
1,438.22
1,437.72
1,448.88
1,468.88
1,510.18
Net Income from Continuing & Discontinued Operation
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000
Normalized Income
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000
Rent Expense Supplemental
7,265,000
7,069,000
6,037,000
5,550,000
4,201,000
EBIT
104,959,000
115,576,000
125,169,000
-26,148,000
116,033,000
Reconciled Depreciation
12,952,000
12,855,000
12,486,000
10,899,000
10,718,000
Net Income from Continuing Operation Net Minority Interest
80,896,000
88,995,000
96,223,000
-22,759,000
89,937,000
Total Unusual Items Excluding Goodwill
--
--
--
0
0
Total Unusual Items
--
--
--
0
0
Tax Rate for Calcs
0
0
0
0
0
Tax Effect of Unusual Items
0
0
0
0
0
Interest Expense
5,141,000
5,200,000
5,003,000
4,352,000
4,172,000
   
Breakdown12/31/202412/31/202312/31/202212/31/2021

Total Assets
1,153,881,000
1,069,978,000
948,465,000
958,784,000

Total Liabilities Net Minority Interest
502,226,000
499,208,000
466,784,000
443,854,000

Policy Holders Liabilities
206,721,000
207,994,000
202,667,000
180,214,000
Unpaid Loss & Loss Reserve
158,297,000
157,274,000
154,257,000
134,420,000
Unearned Premiums
30,808,000
30,507,000
28,657,000
23,512,000
Future Policy Benefits
17,616,000
20,213,000
19,753,000
22,282,000

Payables And Accrued Expenses
12,769,000
0
49,816,000
46,072,000

Payables
12,769,000
--
--
--
Other Payable
12,769,000
--
--
--

Current Debt And Capital Lease Obligation
2,438,000
5,335,000
2,429,000
2,351,000

Current Debt
2,438,000
5,335,000
2,429,000
2,351,000
Other Current Borrowings
2,438,000
5,335,000
2,429,000
2,351,000

Long Term Debt And Capital Lease Obligation
122,324,000
122,936,000
120,315,000
111,911,000
Long Term Debt
122,324,000
122,936,000
120,315,000
111,911,000
Security Sold Not Yet Repurchased
--
--
6,820,000
5,849,000

Non Current Deferred Liabilities
85,870,000
93,009,000
77,368,000
90,243,000
Non Current Deferred Taxes Liabilities
85,870,000
93,009,000
77,368,000
90,243,000
Other Liabilities
72,104,000
69,934,000
64,005,000
59,135,000

Total Equity Gross Minority Interest
651,655,000
570,770,000
481,681,000
514,930,000

Stockholders' Equity
649,368,000
561,273,000
473,424,000
506,199,000

Capital Stock
8,000
8,000
8,000
8,000
Common Stock
8,000
8,000
8,000
8,000
Additional Paid in Capital
35,665,000
34,480,000
35,167,000
35,592,000
Retained Earnings
696,218,000
607,350,000
511,127,000
534,421,000
Treasury Stock
78,939,000
76,802,000
67,826,000
59,795,000

Gains Losses Not Affecting Retained Earnings
-3,584,000
-3,763,000
-5,052,000
-4,027,000
Other Equity Adjustments
-3,584,000
-3,763,000
-5,052,000
-4,027,000
Minority Interest
2,287,000
9,497,000
8,257,000
8,731,000
Total Capitalization
771,692,000
684,209,000
593,739,000
618,110,000
Common Stock Equity
649,368,000
561,273,000
473,424,000
506,199,000
Net Tangible Assets
530,850,000
440,763,000
366,118,000
403,838,000
Invested Capital
774,130,000
689,544,000
596,168,000
620,461,000
Tangible Book Value
530,850,000
440,763,000
366,118,000
403,838,000
Total Debt
124,762,000
128,271,000
122,744,000
114,262,000
Net Debt
77,033,000
90,249,000
86,933,000
26,078,000
Share Issued
1,658.10
1,658.10
1,658.10
1,658.10
Ordinary Shares Number
1,438.22
1,441.48
1,459.73
1,477.43
Treasury Shares Number
219.87
216.61
198.36
180.67
  
BreakdownTTM12/31/202412/31/202312/31/202212/31/2021

Operating Cash Flow
30,929,000
30,592,000
49,196,000
37,350,000
39,427,000

Cash Flow from Continuing Operating Activities
30,929,000
30,592,000
49,196,000
37,350,000
39,427,000
Net Income from Continuing Operations
81,401,000
89,561,000
97,147,000
-21,998,000
90,949,000

Operating Gains Losses
-5,948,000
-3,502,000
-5,711,000
4,779,000
-1,201,000
Gain Loss On Investment Securities
-5,948,000
-3,502,000
-5,711,000
4,779,000
-1,201,000

Depreciation & amortization
12,952,000
12,855,000
12,486,000
10,899,000
10,718,000
Depreciation
11,148,000
11,060,000
10,658,000
9,666,000
9,466,000

Amortization
1,804,000
1,795,000
1,828,000
1,233,000
1,252,000
Amortization of Intangibles
1,804,000
1,795,000
1,828,000
1,233,000
1,252,000
Other non-cash items
1,567,000
-892,000
-513,000
-3,074,000
-3,382,000
Amortization of Securities
-12,570,000
-11,349,000
-5,510,000
-1,132,000
--
Unrealized Gain Loss On Investment Securities
-38,540,000
-49,297,000
-69,144,000
63,120,000
-76,375,000

Change in working capital
-7,933,000
-6,784,000
20,441,000
-15,244,000
18,718,000

Change in Receivables
-3,138,000
626,000
-1,949,000
-5,621,000
-5,864,000
Changes in Account Receivables
--
--
--
--
-5,834,000
Change in Loss And Loss Adjustment Expense Reserves
3,271,000
2,173,000
2,628,000
4,057,000
4,194,000
Change in Unearned Premiums
333,000
376,000
1,854,000
1,861,000
2,306,000
Change in Other Current Assets
-604,000
-206,000
98,000
-5,157,000
-1,708,000
Change in Other Current Liabilities
1,907,000
-2,288,000
2,570,000
1,719,000
2,658,000
Change in Other Working Capital
-9,702,000
-7,465,000
15,240,000
-12,103,000
17,132,000

Investing Cash Flow
-23,485,000
-10,287,000
-32,663,000
-87,601,000
29,392,000

Cash Flow from Continuing Investing Activities
-23,485,000
-10,287,000
-32,663,000
-87,601,000
29,392,000

Net Investment Purchase And Sale
-4,722,000
9,280,000
-5,335,000
-61,782,000
42,354,000
Purchase of Investment
-592,126,000
-536,079,000
-251,469,000
-251,852,000
-161,085,000
Sale of Investment
587,404,000
545,359,000
246,134,000
190,070,000
203,439,000

Net Proceeds Payment for Loan
--
--
--
--
473,000
Proceeds from Loans
--
--
--
--
561,000
Payment for Loans
--
--
--
--
-88,000

Net PPE Purchase And Sale
-18,864,000
-18,976,000
-19,409,000
-15,464,000
-13,276,000
Purchase of PPE
-18,864,000
-18,976,000
-19,409,000
-15,464,000
-13,276,000

Net Business Purchase And Sale
--
-396,000
-8,604,000
-10,594,000
-456,000
Purchase of Business
--
-396,000
-8,604,000
-10,594,000
-456,000
Net Other Investing Changes
497,000
-195,000
685,000
239,000
770,000

Financing Cash Flow
-505,000
-10,360,000
-14,405,000
-1,662,000
-28,508,000

Cash Flow from Continuing Financing Activities
-505,000
-10,360,000
-14,405,000
-1,662,000
-28,508,000

Net Issuance Payments of Debt
2,952,000
-1,820,000
-1,087,000
8,171,000
-752,000

Net Long Term Debt Issuance
3,814,000
1,239,000
-3,494,000
8,767,000
-128,000
Long Term Debt Issuance
10,455,000
13,186,000
7,817,000
12,695,000
6,920,000
Long Term Debt Payments
-6,641,000
-11,947,000
-11,311,000
-3,928,000
-7,048,000
Net Short Term Debt Issuance
-862,000
-3,059,000
2,407,000
-596,000
-624,000

Net Common Stock Issuance
-356,000
-2,918,000
-9,171,000
-7,854,000
-27,061,000
Common Stock Payments
-356,000
-2,918,000
-9,171,000
-7,854,000
-27,061,000
Net Other Financing Charges
-3,101,000
-5,622,000
-4,147,000
-1,979,000
-695,000

End Cash Position
43,099,000
48,376,000
38,643,000
36,399,000
88,706,000
Changes in Cash
6,939,000
9,945,000
2,128,000
-51,913,000
40,311,000
Effect of Exchange Rate Changes
-244,000
-212,000
116,000
-394,000
-1,000
Beginning Cash Position
36,160,000
38,643,000
36,399,000
88,706,000
48,396,000
Capital Expenditure
-18,864,000
-18,976,000
-19,409,000
-15,464,000
-13,276,000
Issuance of Debt
10,455,000
13,186,000
7,817,000
12,695,000
6,920,000
Repayment of Debt
-6,641,000
-11,947,000
-11,311,000
-3,928,000
-7,048,000
Repurchase of Capital Stock
-356,000
-2,918,000
-9,171,000
-7,854,000
-27,061,000
Free Cash Flow
12,065,000
11,616,000
29,787,000
21,886,000
26,151,000
   
12/31/2021 - 3/17/1980
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