سلامة

الشركة الإسلامية العربية للتأمين - سلامة

SALAMAأسهمسوق دبي الماليالتأمين

البيانات المالية

قائمة الدخل الميزانية العمومية التدفقات النقدية النسب

النتائج السنوية النتائج الربعية

النتائج السنوية (AED)

1-5

	202531 ديسمبر 2025	202431 ديسمبر 2024	202331 ديسمبر 2023	202231 ديسمبر 2022	202131 ديسمبر 2021
الملخص التشغيلي
الإيرادات	1.05B	1.08B	1.18B	0.94B	0.72B
المصاريف التشغيلية	1.03B	1.05B	1.24B	0.90B	0.67B
الدخل قبل الضريبة	16.78M	36.62M	-124.03M	44.25M	57.47M
ضريبة الدخل	5.58M	12.03M	15.30M	8.81M	9.30M
صافي الدخل	4.01M	13.09M	-158.39M	18.90M	40.05M
إيرادات الأقساط	1.00B	1.05B	1.11B	0.92B	0.65B
منافع حملة وثائق التأمين	0.77B	0.82B	1.07B	0.84B	0.22B
تكاليف وثائق التأمين	235.73M	199.59M	—	—	305.31M
ربحية السهم (أساسي)	0.01	0.03	-0.31	0.04	0.08
ربحية السهم (مخفف)	0.01	0.03	-0.31	0.04	0.08
توزيعات السهم	—	—	—	—	0.05
الهوامش والكفاءة
هامش صافي الربح %	+0.4%	+1.2%	-13.4%	+2.0%	+5.5%
الإيرادات والدخل
Revenue Growth (YoY)	-3.3%	-8.2%	+24.9%	+30.7%	-18.3%
Revenue Insurance	1.05B	1.08B	1.18B	0.94B	0.72B
Premiums Annuity Rev	1.00B	1.05B	1.11B	0.92B	0.65B
Other Revenue Insurance	3.16M	2.14M	1.81M	1.72M	58.47M
Gain (Loss) on Sale of Assets	—	2.02M	—	—	—
Gain Investment Rev Insurance	145.86M	106.39M	236.05M	-234.51M	-30.36M
Currency Exchange Gain (Loss)	—	—	—	—	-436.00K
المصروفات والمخصصات
SG&A Insurance	5.19M	5.98M	8.72M	5.66M	41.63M
Other Opex Insurance	21.20M	-10.90M	59.54M	26.24M	21.50M
Total Opex Insurance	1.03B	1.05B	1.24B	0.90B	0.67B
Interest Expense	—	—	-14.85M	-14.25M	-3.35M
Policy Benefits	0.77B	0.82B	1.07B	0.84B	0.22B
Policy Cost	235.73M	199.59M	—	—	305.31M
Provision for Bad Debts	-28.76M	6.18M	83.29M	—	0.05M
Asset Writedown	2.93M	4.50M	3.60M	9.17M	4.22M
Impairment of Goodwill	—	—	-49.01M	—	—
Amortization Goodwill Intangibles Insurance	—	—	—	—	852.00K
D&A For EBITDA	3.22M	3.07M	2.76M	3.25M	2.94M
Da Suppl Insurance	1.87M	2.14M	1.42M	0.89M	6.53M
الربحية والعوائد
EBIT	13.86M	30.10M	-63.77M	49.33M	57.04M
EBIT Margin	+1.3%	+2.8%	-5.4%	+5.2%	+7.9%
EBITDA	17.07M	33.17M	-61.02M	52.57M	59.97M
EBITDA Margin	+1.6%	+3.1%	-5.2%	+5.6%	+8.3%
EBT Excluding Unusual Items	13.86M	30.10M	-78.62M	35.08M	53.25M
Pretax Income	16.78M	36.62M	-124.03M	44.25M	57.47M
Opinc Insurance	13.86M	30.10M	-63.77M	49.33M	57.04M
Operating Margin	+1.3%	+2.8%	-5.4%	+5.2%	+7.9%
Profit Margin	+0.4%	+1.2%	-13.4%	+2.0%	+5.5%
Net Income	4.01M	13.09M	-158.39M	18.90M	40.05M
Net Income to Common	4.01M	13.09M	-158.39M	18.90M	40.05M
Net Income to Company	11.20M	24.59M	-139.33M	35.44M	48.17M
Net Income Growth	-69.3%	—	—	-52.8%	-73.2%
Earnings From Continuing Ops.	11.20M	24.59M	-139.33M	35.44M	48.17M
Earnings From Discontinued Ops.	—	—	—	—	—
Minority Interest in Earnings	-7.18M	-11.50M	-19.06M	-16.54M	-8.12M
Income Tax Expense	5.58M	12.03M	15.30M	8.81M	9.30M
Effective Tax Rate	+33.3%	+32.8%	—	+19.9%	+16.2%
بيانات السهم ورأس المال
EPS (Basic)	0.01	0.03	-0.31	0.04	0.08
EPS (Diluted)	0.01	0.03	-0.31	0.04	0.08
EPS Growth	-69.3%	—	—	-52.8%	-73.2%
Dividend Per Share	—	—	—	—	0.05
Shares Change (YoY)	-0	-0.06	0.06	—	0
Shares Outstanding (Basic)	483.02M	483.02M	514.25M	483.03M	483.03M
Shares Outstanding (Diluted)	483.02M	483.02M	514.25M	483.03M	483.03M
Dividend Growth	—	—	—	—	-82.2%
Free Cash Flow	-59.65M	-80.75M	101.86M	-624.18M	321.26M
Free Cash Flow Margin	-5.7%	-7.5%	+8.6%	-66.1%	+44.5%
Free Cash Flow Per Share	-0.12	-0.17	0.20	-1.29	0.67
Payout Ratio	—	—	—	+125.7%	+244.8%
بنود إضافية
Total Interest Dividend Income	-107.26M	-72.43M	-169.29M	253.10M	42.60M

قائمة الدخل الميزانية العمومية التدفقات النقدية النسب

النتائج السنوية النتائج الربعية

النتائج السنوية (AED)

1-5

	202531 ديسمبر 2025	202431 ديسمبر 2024	202331 ديسمبر 2023	202231 ديسمبر 2022	202131 ديسمبر 2021
الملخص التشغيلي
الإيرادات	1.05B	1.08B	1.18B	0.94B	0.72B
المصاريف التشغيلية	1.03B	1.05B	1.24B	0.90B	0.67B
الدخل قبل الضريبة	16.78M	36.62M	-124.03M	44.25M	57.47M
ضريبة الدخل	5.58M	12.03M	15.30M	8.81M	9.30M
صافي الدخل	4.01M	13.09M	-158.39M	18.90M	40.05M
إيرادات الأقساط	1.00B	1.05B	1.11B	0.92B	0.65B
منافع حملة وثائق التأمين	0.77B	0.82B	1.07B	0.84B	0.22B
تكاليف وثائق التأمين	235.73M	199.59M	—	—	305.31M
ربحية السهم (أساسي)	0.01	0.03	-0.31	0.04	0.08
ربحية السهم (مخفف)	0.01	0.03	-0.31	0.04	0.08
توزيعات السهم	—	—	—	—	0.05
الهوامش والكفاءة
هامش صافي الربح %	+0.4%	+1.2%	-13.4%	+2.0%	+5.5%
الإيرادات والدخل
Revenue Growth (YoY)	-3.3%	-8.2%	+24.9%	+30.7%	-18.3%
Revenue Insurance	1.05B	1.08B	1.18B	0.94B	0.72B
Premiums Annuity Rev	1.00B	1.05B	1.11B	0.92B	0.65B
Other Revenue Insurance	3.16M	2.14M	1.81M	1.72M	58.47M
Gain (Loss) on Sale of Assets	—	2.02M	—	—	—
Gain Investment Rev Insurance	145.86M	106.39M	236.05M	-234.51M	-30.36M
Currency Exchange Gain (Loss)	—	—	—	—	-436.00K
المصروفات والمخصصات
SG&A Insurance	5.19M	5.98M	8.72M	5.66M	41.63M
Other Opex Insurance	21.20M	-10.90M	59.54M	26.24M	21.50M
Total Opex Insurance	1.03B	1.05B	1.24B	0.90B	0.67B
Interest Expense	—	—	-14.85M	-14.25M	-3.35M
Policy Benefits	0.77B	0.82B	1.07B	0.84B	0.22B
Policy Cost	235.73M	199.59M	—	—	305.31M
Provision for Bad Debts	-28.76M	6.18M	83.29M	—	0.05M
Asset Writedown	2.93M	4.50M	3.60M	9.17M	4.22M
Impairment of Goodwill	—	—	-49.01M	—	—
Amortization Goodwill Intangibles Insurance	—	—	—	—	852.00K
D&A For EBITDA	3.22M	3.07M	2.76M	3.25M	2.94M
Da Suppl Insurance	1.87M	2.14M	1.42M	0.89M	6.53M
الربحية والعوائد
EBIT	13.86M	30.10M	-63.77M	49.33M	57.04M
EBIT Margin	+1.3%	+2.8%	-5.4%	+5.2%	+7.9%
EBITDA	17.07M	33.17M	-61.02M	52.57M	59.97M
EBITDA Margin	+1.6%	+3.1%	-5.2%	+5.6%	+8.3%
EBT Excluding Unusual Items	13.86M	30.10M	-78.62M	35.08M	53.25M
Pretax Income	16.78M	36.62M	-124.03M	44.25M	57.47M
Opinc Insurance	13.86M	30.10M	-63.77M	49.33M	57.04M
Operating Margin	+1.3%	+2.8%	-5.4%	+5.2%	+7.9%
Profit Margin	+0.4%	+1.2%	-13.4%	+2.0%	+5.5%
Net Income	4.01M	13.09M	-158.39M	18.90M	40.05M
Net Income to Common	4.01M	13.09M	-158.39M	18.90M	40.05M
Net Income to Company	11.20M	24.59M	-139.33M	35.44M	48.17M
Net Income Growth	-69.3%	—	—	-52.8%	-73.2%
Earnings From Continuing Ops.	11.20M	24.59M	-139.33M	35.44M	48.17M
Earnings From Discontinued Ops.	—	—	—	—	—
Minority Interest in Earnings	-7.18M	-11.50M	-19.06M	-16.54M	-8.12M
Income Tax Expense	5.58M	12.03M	15.30M	8.81M	9.30M
Effective Tax Rate	+33.3%	+32.8%	—	+19.9%	+16.2%
بيانات السهم ورأس المال
EPS (Basic)	0.01	0.03	-0.31	0.04	0.08
EPS (Diluted)	0.01	0.03	-0.31	0.04	0.08
EPS Growth	-69.3%	—	—	-52.8%	-73.2%
Dividend Per Share	—	—	—	—	0.05
Shares Change (YoY)	-0	-0.06	0.06	—	0
Shares Outstanding (Basic)	483.02M	483.02M	514.25M	483.03M	483.03M
Shares Outstanding (Diluted)	483.02M	483.02M	514.25M	483.03M	483.03M
Dividend Growth	—	—	—	—	-82.2%
Free Cash Flow	-59.65M	-80.75M	101.86M	-624.18M	321.26M
Free Cash Flow Margin	-5.7%	-7.5%	+8.6%	-66.1%	+44.5%
Free Cash Flow Per Share	-0.12	-0.17	0.20	-1.29	0.67
Payout Ratio	—	—	—	+125.7%	+244.8%
بنود إضافية
Total Interest Dividend Income	-107.26M	-72.43M	-169.29M	253.10M	42.60M