UNICO AMERICAN CORP (UNAM) [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15	Dec-31-14
	10-K/A	10-K/A	10-K	10-K	10-K	10-K	10-K	10-K
Total revenues	36.4	32.6	31.4	33.6	36.8	35.3	33.3	30.5
Revenue growth	11.8%	3.8%	-6.7%	-8.6%	4.3%	6.0%	9.2%	-2.1%
Loss and loss adjustment expenses	26.0	34.6	22.6	23.6	30.5	22.8	19.2	14.6
Policy acquisition costs	5.4	4.9	5.0	5.9	6.5	6.9	6.5	6.0
Investment expenses	0.1	0.1	0.1	0.1	0.0
Other operating expenses	10.1	10.8	7.0	8.0	9.7	7.7	9.4	8.6
General and administrative	3.9	6.4	4.1	4.6			4.4	3.4
Equity in earnings
EBITDA	-4.6	-17.3	-2.7	-3.4	-9.4	-1.6	-0.1	1.8
EBITDA margin	-12.8%	-53.0%	-8.6%	-10.0%	-25.4%	-4.6%	-0.3%	6.0%
Depreciation	0.6	0.7	0.6	0.6	0.5	0.5	0.3	0.5
EBIT	-5.2	-17.9	-3.2	-3.9	-9.9	-2.1	-0.4	1.3
EBIT margin	-14.3%	-55.1%	-10.4%	-11.7%	-26.9%	-6.0%	-1.3%	4.3%
Pre-tax income	-5.2	-17.9	-3.2	-3.9	-9.9	-2.1	-1.7	1.3
Income taxes	0.5	3.5	-0.1	-0.8	-1.2	-0.7	-0.6	0.5
Tax rate			4.1%	19.3%	11.7%	33.6%	31.8%	34.7%
Net income	-5.7	-21.5	-3.1	-3.2	-8.7	-1.4	-1.2	0.8
Net margin	-15.6%	-66.0%	-9.9%	-9.4%	-23.7%	-4.0%	-3.6%	2.8%

Basic EPS	($1.07)	($4.05)	($0.59)	($0.60)	($1.64)	($0.26)	($0.22)	$0.16
Diluted EPS	($0.01)	($0.04)	($0.59)	($0.60)	($1.64)	($0.26)	($0.22)	$0.16

Shares outstanding (basic)	5.3	5.3	5.3	5.3	5.3	5.3	5.3	5.3
Shares outstanding (diluted)	530.5	530.6	5.3	5.3	5.3	5.3	5.3	5.3

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.