Discovery Ltd
JSE:DSY
Income Statement
Income Statement
Discovery Ltd
| Jun-2002 | Dec-2002 | Jun-2003 | Dec-2003 | Jun-2004 | Dec-2004 | Jun-2005 | Dec-2005 | 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 |
1
|
0
|
25
|
0
|
47
|
0
|
64
|
0
|
21
|
0
|
19
|
0
|
25
|
0
|
16
|
0
|
14
|
0
|
82
|
0
|
113
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
478
|
0
|
959
|
0
|
1 375
|
0
|
1 568
|
0
|
1 648
|
0
|
1 658
|
0
|
1 919
|
0
|
2 036
|
0
|
2 087
|
|
| Gross Premiums Earned |
3 289
|
3 255
|
3 412
|
3 582
|
3 405
|
3 247
|
3 651
|
3 729
|
4 983
|
4 881
|
5 980
|
6 314
|
6 836
|
8 356
|
8 895
|
10 863
|
13 115
|
14 185
|
16 154
|
17 597
|
18 790
|
20 217
|
22 437
|
25 627
|
29 263
|
33 417
|
35 490
|
36 968
|
40 253
|
41 657
|
42 335
|
43 808
|
46 072
|
49 746
|
52 561
|
55 145
|
59 961
|
62 850
|
64 928
|
67 706
|
68 491
|
66 421
|
65 079
|
68 125
|
72 718
|
76 372
|
80 125
|
|
| Revenue |
3 413
N/A
|
3 332
-2%
|
3 508
+5%
|
3 729
+6%
|
3 529
-5%
|
3 468
-2%
|
3 932
+13%
|
4 587
+17%
|
5 422
+18%
|
5 961
+10%
|
6 501
+9%
|
6 888
+6%
|
7 323
+6%
|
8 664
+18%
|
9 187
+6%
|
11 589
+26%
|
13 830
+19%
|
15 384
+11%
|
17 222
+12%
|
18 113
+5%
|
19 869
+10%
|
22 120
+11%
|
24 128
+9%
|
28 257
+17%
|
32 761
+16%
|
35 653
+9%
|
38 397
+8%
|
40 082
+4%
|
43 028
+7%
|
44 008
+2%
|
44 961
+2%
|
49 805
+11%
|
51 492
+3%
|
50 232
-2%
|
56 444
+12%
|
62 168
+10%
|
64 353
+4%
|
69 524
+8%
|
73 706
+6%
|
78 928
+7%
|
67 312
-15%
|
61 536
-9%
|
70 029
+14%
|
73 574
+5%
|
78 294
+6%
|
82 471
+5%
|
86 615
+5%
|
|
| Operating Income | ||||||||||||||||||||||||||||||||||||||||||||||||
| Operating Expenses |
(3 075)
|
(2 966)
|
(3 047)
|
(2 977)
|
(2 697)
|
(2 478)
|
(2 885)
|
(3 574)
|
(4 199)
|
(4 473)
|
(4 884)
|
(5 142)
|
(5 597)
|
(6 994)
|
(7 202)
|
(8 997)
|
(11 141)
|
(12 854)
|
(14 308)
|
(14 724)
|
(16 316)
|
(18 278)
|
(20 418)
|
(24 330)
|
(27 886)
|
(30 667)
|
(33 168)
|
(34 706)
|
(37 225)
|
(37 699)
|
(38 719)
|
(42 950)
|
(43 036)
|
(41 994)
|
(48 874)
|
(54 905)
|
(62 565)
|
(67 920)
|
(68 293)
|
(72 044)
|
(59 532)
|
(53 343)
|
(59 335)
|
(63 015)
|
(66 833)
|
(69 589)
|
(71 793)
|
|
| Selling, General & Administrative |
0
|
(1 250)
|
0
|
(1 550)
|
0
|
(1 742)
|
0
|
(2 422)
|
(2 624)
|
(2 777)
|
(3 069)
|
(3 411)
|
(3 674)
|
(4 117)
|
(4 177)
|
(4 462)
|
(4 501)
|
(5 499)
|
(5 727)
|
(6 495)
|
(6 610)
|
(7 333)
|
(7 623)
|
(8 896)
|
(9 855)
|
(11 260)
|
(11 841)
|
(13 448)
|
(14 198)
|
(15 416)
|
(14 956)
|
(16 394)
|
(16 082)
|
(18 455)
|
(18 666)
|
(21 291)
|
(20 140)
|
(22 029)
|
(20 873)
|
(24 089)
|
(23 593)
|
(21 026)
|
(16 457)
|
(18 749)
|
(17 866)
|
(18 812)
|
(19 857)
|
|
| Depreciation & Amortization |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(110)
|
0
|
(152)
|
0
|
(306)
|
(44)
|
(382)
|
(123)
|
(452)
|
(172)
|
(416)
|
(187)
|
(478)
|
(209)
|
(640)
|
(236)
|
(866)
|
(240)
|
(870)
|
(147)
|
(1 064)
|
(121)
|
(1 353)
|
(74)
|
(1 830)
|
(75)
|
(1 916)
|
(61)
|
(1 961)
|
(983)
|
(2 033)
|
(1 972)
|
(2 176)
|
(2 181)
|
(2 245)
|
|
| Benefits Claims Loss Adjustment |
(2 007)
|
(1 740)
|
(1 611)
|
(1 548)
|
(1 202)
|
(373)
|
(5)
|
(217)
|
(506)
|
(685)
|
(857)
|
(771)
|
(806)
|
(1 739)
|
(1 770)
|
(3 050)
|
(4 462)
|
(5 268)
|
(8 337)
|
(5 969)
|
(9 440)
|
(7 809)
|
(9 151)
|
(11 634)
|
(13 635)
|
(14 875)
|
(15 843)
|
(15 765)
|
(17 322)
|
(19 168)
|
(20 641)
|
(23 252)
|
(22 838)
|
(20 415)
|
(25 585)
|
(30 208)
|
(36 924)
|
(42 201)
|
(43 244)
|
(45 376)
|
(32 079)
|
(29 744)
|
(39 965)
|
(42 397)
|
(46 300)
|
(47 961)
|
(49 307)
|
|
| Policy Acquisition Expense |
41
|
0
|
0
|
0
|
0
|
(363)
|
(714)
|
(791)
|
(908)
|
(977)
|
(1 015)
|
(1 065)
|
(1 132)
|
(1 326)
|
(1 313)
|
(1 672)
|
(1 961)
|
(2 041)
|
51
|
(2 305)
|
88
|
(3 055)
|
(3 407)
|
(3 877)
|
(4 296)
|
(4 761)
|
(5 294)
|
(5 787)
|
(6 185)
|
(5 923)
|
(5 237)
|
(5 380)
|
(5 594)
|
(5 701)
|
(6 100)
|
(6 281)
|
(6 547)
|
(6 296)
|
(5 033)
|
(5 211)
|
(4 758)
|
(2 120)
|
(880)
|
(913)
|
(491)
|
(635)
|
(384)
|
|
| Other Operating Expenses |
(1 109)
|
24
|
(1 437)
|
121
|
(1 495)
|
0
|
(2 166)
|
(144)
|
(161)
|
(34)
|
57
|
105
|
125
|
188
|
210
|
187
|
89
|
(2)
|
87
|
168
|
98
|
91
|
179
|
264
|
378
|
438
|
450
|
530
|
1 346
|
3 048
|
2 985
|
2 223
|
2 542
|
2 698
|
2 830
|
2 949
|
2 876
|
2 681
|
2 773
|
2 693
|
2 859
|
530
|
0
|
1 016
|
0
|
0
|
0
|
|
| Operating Income |
338
N/A
|
367
+9%
|
461
+26%
|
752
+63%
|
832
+11%
|
990
+19%
|
1 047
+6%
|
1 013
-3%
|
1 223
+21%
|
1 488
+22%
|
1 617
+9%
|
1 746
+8%
|
1 726
-1%
|
1 670
-3%
|
1 985
+19%
|
2 592
+31%
|
2 689
+4%
|
2 530
-6%
|
2 914
+15%
|
3 389
+16%
|
3 553
+5%
|
3 842
+8%
|
3 710
-3%
|
3 927
+6%
|
4 875
+24%
|
4 986
+2%
|
5 229
+5%
|
5 376
+3%
|
5 803
+8%
|
6 309
+9%
|
6 242
-1%
|
6 855
+10%
|
8 456
+23%
|
8 238
-3%
|
7 570
-8%
|
7 263
-4%
|
1 788
-75%
|
1 604
-10%
|
5 413
+237%
|
6 884
+27%
|
7 780
+13%
|
8 193
+5%
|
10 694
+31%
|
10 559
-1%
|
11 461
+9%
|
12 882
+12%
|
14 822
+15%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Income Expense |
0
|
(12)
|
(42)
|
(118)
|
(112)
|
(189)
|
(194)
|
(126)
|
(147)
|
(164)
|
(157)
|
(108)
|
(35)
|
40
|
(75)
|
(355)
|
(192)
|
(22)
|
(186)
|
(184)
|
(199)
|
(296)
|
(369)
|
(196)
|
(234)
|
(150)
|
(131)
|
(217)
|
(341)
|
(448)
|
(473)
|
(565)
|
(848)
|
(1 138)
|
(1 205)
|
(1 176)
|
(726)
|
(1 173)
|
(1 514)
|
(980)
|
(1 081)
|
(1 423)
|
(1 245)
|
(1 186)
|
(1 143)
|
(1 052)
|
(917)
|
|
| Non-Reccuring Items |
64
|
64
|
120
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(63)
|
(96)
|
(33)
|
0
|
514
|
514
|
0
|
0
|
0
|
(16)
|
0
|
0
|
7
|
7
|
0
|
8
|
8
|
3
|
0
|
(196)
|
51
|
1 554
|
1 528
|
(262)
|
3
|
296
|
409
|
245
|
76
|
(391)
|
(259)
|
(54)
|
(76)
|
(258)
|
|
| Gain/Loss on Disposition of Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
209
|
209
|
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
|
|
| Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(2)
|
0
|
(27)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1 661
|
1 661
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Pre-Tax Income |
402
N/A
|
420
+4%
|
538
+28%
|
633
+18%
|
720
+14%
|
801
+11%
|
853
+6%
|
887
+4%
|
1 076
+21%
|
1 324
+23%
|
1 458
+10%
|
1 638
+12%
|
1 664
+2%
|
1 647
-1%
|
1 814
+10%
|
2 204
+21%
|
2 497
+13%
|
3 022
+21%
|
3 451
+14%
|
3 414
-1%
|
3 354
-2%
|
3 546
+6%
|
3 325
-6%
|
3 731
+12%
|
4 641
+24%
|
6 504
+40%
|
6 766
+4%
|
5 159
-24%
|
5 470
+6%
|
5 869
+7%
|
5 772
-2%
|
6 290
+9%
|
7 412
+18%
|
7 151
-4%
|
7 919
+11%
|
7 615
-4%
|
800
-89%
|
434
-46%
|
4 195
+867%
|
6 313
+50%
|
6 944
+10%
|
6 846
-1%
|
9 058
+32%
|
9 114
+1%
|
10 264
+13%
|
11 754
+15%
|
13 647
+16%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(151)
|
(168)
|
(182)
|
(230)
|
(299)
|
(319)
|
(305)
|
(340)
|
(410)
|
(448)
|
(385)
|
(428)
|
(506)
|
(529)
|
(590)
|
(654)
|
(782)
|
(826)
|
(872)
|
(1 045)
|
(1 132)
|
(1 148)
|
(1 194)
|
(1 127)
|
(1 327)
|
(1 407)
|
(1 214)
|
(1 327)
|
(1 740)
|
(1 880)
|
(1 278)
|
(1 168)
|
(1 677)
|
(1 787)
|
(1 305)
|
(1 249)
|
(624)
|
(461)
|
(975)
|
(1 663)
|
(1 465)
|
(1 434)
|
(2 486)
|
(2 502)
|
(2 715)
|
(3 154)
|
(4 089)
|
|
| Income from Continuing Operations |
251
|
252
|
356
|
404
|
421
|
482
|
548
|
547
|
666
|
876
|
1 073
|
1 210
|
1 158
|
1 118
|
1 224
|
1 550
|
1 715
|
2 196
|
2 579
|
2 369
|
2 222
|
2 398
|
2 131
|
2 604
|
3 314
|
5 097
|
5 552
|
3 832
|
3 730
|
3 989
|
4 494
|
5 122
|
5 735
|
5 364
|
6 614
|
6 366
|
176
|
(27)
|
3 220
|
4 650
|
5 479
|
5 412
|
6 572
|
6 612
|
7 549
|
8 600
|
9 558
|
|
| Income to Minority Interest |
0
|
0
|
6
|
7
|
(3)
|
(4)
|
9
|
9
|
3
|
2
|
0
|
(2)
|
(2)
|
(10)
|
(12)
|
1
|
2
|
109
|
(2)
|
(111)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
0
|
0
|
(1)
|
(1)
|
7
|
12
|
10
|
8
|
6
|
|
| Net Income (Common) |
251
N/A
|
252
+0%
|
362
+44%
|
411
+14%
|
418
+2%
|
478
+14%
|
557
+17%
|
556
0%
|
669
+20%
|
878
+31%
|
1 073
+22%
|
1 208
+13%
|
1 156
-4%
|
1 108
-4%
|
1 212
+9%
|
1 551
+28%
|
1 717
+11%
|
2 305
+34%
|
2 577
+12%
|
2 258
-12%
|
2 199
-3%
|
2 342
+7%
|
2 063
-12%
|
2 535
+23%
|
3 246
+28%
|
5 028
+55%
|
5 480
+9%
|
3 758
-31%
|
3 655
-3%
|
3 910
+7%
|
4 411
+13%
|
5 039
+14%
|
5 652
+12%
|
5 282
-7%
|
6 533
+24%
|
6 284
-4%
|
97
-98%
|
(99)
N/A
|
3 157
N/A
|
4 593
+45%
|
5 422
+18%
|
5 352
-1%
|
6 398
+20%
|
6 381
0%
|
7 340
+15%
|
8 379
+14%
|
9 327
+11%
|
|
| EPS (Diluted) |
0.61
N/A
|
0.59
-3%
|
0.84
+42%
|
0.75
-11%
|
0.76
+1%
|
0.86
+13%
|
0.98
+14%
|
0.97
-1%
|
1.13
+16%
|
1.44
+27%
|
1.91
+33%
|
2.14
+12%
|
2.06
-4%
|
1.96
-5%
|
2.14
+9%
|
2.72
+27%
|
3.01
+11%
|
4.04
+34%
|
4.52
+12%
|
3.96
-12%
|
3.86
-3%
|
4.09
+6%
|
3.57
-13%
|
4.35
+22%
|
5.45
+25%
|
8.4
+54%
|
9.02
+7%
|
5.87
-35%
|
5.69
-3%
|
6.06
+7%
|
6.84
+13%
|
7.81
+14%
|
8.76
+12%
|
8.14
-7%
|
10.01
+23%
|
9.57
-4%
|
0.15
-98%
|
-0.14
N/A
|
4.75
N/A
|
6.9
+45%
|
8.18
+19%
|
8.02
-2%
|
9.67
+21%
|
9.61
-1%
|
11.04
+15%
|
12.57
+14%
|
13.95
+11%
|
|