Reported Earnings • Apr 26
Full year 2025 earnings released: EPS: €1.50 (vs €0.64 in FY 2024) Full year 2025 results: EPS: €1.50 (up from €0.64 in FY 2024). Revenue: €129.8m (up 8.8% from FY 2024). Net income: €27.8m (up 137% from FY 2024). Profit margin: 21% (up from 9.8% in FY 2024). Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has only increased by 25% per year, which means it is significantly lagging earnings growth. Declared Dividend • Apr 22
Dividend increased to €0.25 Dividend of €0.25 is 24% higher than last year. Ex-date: 24th June 2026 Payment date: 30th June 2026 Dividend yield will be 3.6%, which is higher than the industry average of 3.4%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 5 years and payments have been stable during that time. Earnings per share has grown by 20% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Apr 21
Interlife General Insurance Company S.A. announces Annual dividend, payable on June 30, 2026 Interlife General Insurance Company S.A. announced Annual dividend of EUR 0.2500 per share payable on June 30, 2026, ex-date on June 24, 2026 and record date on June 25, 2026. New Risk • Apr 14
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2025. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risk Latest financial reports are more than 6 months old (reported June 2025 fiscal period end). New Risk • Mar 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Greek stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (5.3% average weekly change). Buy Or Sell Opportunity • Mar 04
Now 25% overvalued after recent price rise Over the last 90 days, the stock has risen 2.7% to €6.12. The fair value is estimated to be €4.90, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Meanwhile, the company has become profitable. Buy Or Sell Opportunity • Nov 24
Now 20% overvalued after recent price rise Over the last 90 days, the stock has risen 17% to €5.78. The fair value is estimated to be €4.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Meanwhile, the company has become profitable. Buy Or Sell Opportunity • Nov 06
Now 24% overvalued after recent price rise Over the last 90 days, the stock has risen 19% to €5.98. The fair value is estimated to be €4.81, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Meanwhile, the company has become profitable. Announcement • Jun 24
Interlife General Insurance Company S.A.(ATSE:INLIF) dropped from ATHEX Composite Index Interlife General Insurance Company S.A. has been dropped from the ATHEX Composite Index. New Risk • Apr 19
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2024. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 14% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported June 2024 fiscal period end). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (4.0% net profit margin). Market cap is less than US$100m (€85.9m market cap, or US$97.9m). Announcement • Mar 24
Interlife General Insurance Company S.A., Annual General Meeting, Jun 13, 2025 Interlife General Insurance Company S.A., Annual General Meeting, Jun 13, 2025. Reported Earnings • Oct 06
First half 2024 earnings released: EPS: €0.093 (vs €0.59 in 1H 2023) First half 2024 results: EPS: €0.093 (down from €0.59 in 1H 2023). Revenue: €57.0m (up 4.1% from 1H 2023). Net income: €1.73m (down 84% from 1H 2023). Profit margin: 3.0% (down from 20% in 1H 2023). Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings. Buy Or Sell Opportunity • Oct 02
Now 21% undervalued after recent price drop Over the last 90 days, the stock has fallen 1.5% to €4.58. The fair value is estimated to be €5.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has declined by 22%. Announcement • Sep 02
Interlife General Insurance Company S.A. to Report First Half, 2024 Results on Sep 30, 2024 Interlife General Insurance Company S.A. announced that they will report first half, 2024 results on Sep 30, 2024 New Risk • Jun 26
New major risk - Revenue and earnings growth Earnings have declined by 16% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 16% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported June 2023 fiscal period end). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Market cap is less than US$100m (€88.5m market cap, or US$94.6m). Upcoming Dividend • Jun 26
Upcoming dividend of €0.16 per share Eligible shareholders must have bought the stock before 03 July 2024. Payment date: 09 July 2024. Trailing yield: 2.5%. Lower than top quartile of Greek dividend payers (5.7%). Lower than average of industry peers (5.1%). New Risk • Apr 16
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 16% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported June 2023 fiscal period end). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Market cap is less than US$100m (€88.7m market cap, or US$94.2m). Announcement • Apr 01
Interlife General Insurance Company S.A. to Report Q4, 2023 Results on Apr 30, 2024 Interlife General Insurance Company S.A. announced that they will report Q4, 2023 results on Apr 30, 2024 Announcement • Sep 01
Interlife General Insurance Company S.A. to Report First Half, 2023 Results on Sep 29, 2023 Interlife General Insurance Company S.A. announced that they will report first half, 2023 results on Sep 29, 2023 Upcoming Dividend • Jun 28
Upcoming dividend of €0.12 per share at 3.0% yield Eligible shareholders must have bought the stock before 05 July 2023. Payment date: 11 July 2023. The company is not currently making a profit but it is cash flow positive. Trailing yield: 3.0%. Lower than top quartile of Greek dividend payers (4.9%). Lower than average of industry peers (5.3%). Announcement • Jun 01
Interlife General Insurance Company S.A., Annual General Meeting, Jun 16, 2023 Interlife General Insurance Company S.A., Annual General Meeting, Jun 16, 2023, at 18:00 E. Europe Standard Time. Location: KTIMA XRISTIDI, ANO PERAIA THESSALONIKI, METAMORFOSI STREET, Metamorfosi Greece Board Change • Nov 16
Less than half of directors are independent There is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 6 experienced directors. No highly experienced directors. 2 independent directors (5 non-independent directors). Head of Regulatory Compliance, Corporate Secretary & Executive Director Evangelia Mentziori was the last director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Reported Earnings • Oct 03
First half 2022 earnings released: EPS: €0 (vs €0.57 in 1H 2021) First half 2022 results: EPS: €0 (down from €0.57 in 1H 2021). Revenue: €19.0m (down 51% from 1H 2021). Net loss: €12.6m (down 220% from profit in 1H 2021). Upcoming Dividend • Jun 29
Upcoming dividend of €0.12 per share Eligible shareholders must have bought the stock before 06 July 2022. Payment date: 12 July 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 3.1%. Lower than top quartile of Greek dividend payers (5.1%). Lower than average of industry peers (5.7%). Board Change • Apr 27
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. No highly experienced directors. 1 independent director (5 non-independent directors). was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Valuation Update With 7 Day Price Move • Jan 17
Investor sentiment improved over the past week After last week's 15% share price gain to €4.66, the stock trades at a trailing P/E ratio of 3.3x. Average trailing P/E is 13x in the Insurance industry in Europe. 
