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First Trinity Financial earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 13, 2026
Q2 2026 Revenue down 4% year over year to $21.4M · 7¢ of every $1 of revenue kept as net profit · operating margin 9.7%
First Trinity Financial made $21.4M in Q2 2026 (-4% Y/Y): Life Insurance Operations $14.1M, Annuity Operations $6.5M, Corporate Segment $871K. Operating margin 9.7%, net earnings $1.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 13, 2026.
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What changed this quarter
Revenue was $21.4M in Q2 2026, down 4% year over year and up 6% from the previous quarter. Life Insurance Operations was the largest line at 66% of revenue. Corporate Segment lost $1.3M year over year (down 60%), 140% of the total change.
Operating profit was $2.1M, a 9.7% margin (down 5.2 points year over year). Total costs grew 2% against a revenue fall of 4%. Net earnings were $1.6M, down 38% year over year. The effective tax rate was 23.3%.
Operating cash flow was $11.5M (down 4% year over year), 718% of net earnings. Non-cash charges added back $2.1M of depreciation and amortization. Working capital and other items added $7.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 13, 2026 | $21.4M | -4% | 9.7% | $1.6M | $11.5M |
| Q1 2026 | 10-Q | May 15, 2026 | $20.2M | +3% | 13.2% | $2.1M | $14.0M |
| Q4 2025 | 10-K | Mar 17, 2026 | $21.3M | +5% | 6.6% | $1.1M | $15.0M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $21.0M | +8% | 12.1% | $2.0M | $9.2M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $22.4M | +23% | 14.9% | $2.6M | $11.9M |
| Q1 2025 | 10-Q | May 14, 2025 | $19.6M | +6% | 3.7% | $568K | $5.5M |
| Q4 2024 | 10-K | Mar 13, 2025 | $20.2M | +2% | 13.3% | $1.3M | $730K |
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About First Trinity Financial
First Trinity Financial Corporation (the “Company” or “FTFC”) is the parent holding company of Trinity Life Insurance Company (“TLIC”), Family Benefit Life Insurance Company (“FBLIC”), Trinity Mortgage Corporation (“TMC”) and Trinity American, Inc. (“TAI”). The Company was incorporated in Oklahoma on April 19, 2004, for the primary purpose of organizing and operating a life insurance subsidiary. The Company owns 100% of TLIC. TLIC owns 100% of FBLIC. TLIC and FBLIC are primarily engaged in the business of marketing, underwriting and distributing a broad range of individual life insurance products and annuity contracts to individuals.
In its own words, from its 10-K, filed Mar 17, 2026.
First Trinity Financial against its Life Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -4% against the peers' median +8%. Operating margin: 9.7% against the peers' median 9.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| First Trinity Financial | Q2 2026 | $21.4M | -4% | 9.7% |
| MET Metlife | Q3 2026 | $20.5B | +18% | 8.9% |
| PRU Prudential Financial | Q3 2026 | $14.4B | -19% | 11.4% |
| Metropolitan Life Insurance | Q2 2026 | $9.6B | +2% | 6.0% |
| RGA Reinsurance Group of America | Q3 2026 | $7.5B | +22% | 8.3% |
| CRBG Corebridge Financial | Q3 2026 | $6.2B | +14% | 37.7% |
| LNC Lincoln National | Q3 2026 | $5.5B | +20% | 31.7% |
| Lincoln National Life Insurance | Q2 2026 | $4.3B | +8% | 25.2% |
| ATH-PA Athene Holding | Q3 2026 | $3.1B | -62% | -56.7% |
Source: First Trinity Financial 10-Q on SEC EDGAR · CIK 1395585 · Life Insurance