Al Ain Alahlia Insurance

Al Ain Alahlia Insurance Co.

ALAINStocksAbu Dhabi Securities ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	691.54M	381.85M	347.89M	361.81M	391.18M
Operating Expenses	727.69M	348.17M	293.68M	281.62M	303.62M
Pretax Income	-32.54M	34.60M	59.32M	83.25M	75.98M
Income Tax	-4.59M	—	—	—	—
Net Income	-27.95M	34.60M	59.32M	83.25M	75.98M
Premium Revenue	629.22M	334.78M	308.03M	191.64M	251.02M
Policy Benefits	546.19M	255.03M	278.97M	89.86M	106.32M
Policy Cost	142.14M	88.18M	—	108.11M	100.04M
EPS (Basic)	-1.86	2.31	3.95	5.55	5.07
EPS (Diluted)	-1.86	2.31	3.95	5.55	5.07
DPS	2.00	2.00	2.50	3.00	2.50
Margins & Efficiency
Net Margin %	-4.0%	+9.1%	+17.1%	+23.0%	+19.4%
Revenue & Income
Revenue Growth (YoY)	+81.1%	+9.8%	-3.8%	-7.5%	-4.6%
Revenue Insurance	691.54M	381.85M	347.89M	361.81M	391.18M
Premiums Annuity Rev	629.22M	334.78M	308.03M	191.64M	251.02M
Other Revenue Insurance	24.09M	24.46M	19.10M	151.67M	122.97M
Gain Investment Rev Insurance	2.71M	0.93M	—	-0.05M	-5.58M
Expenses & Provisions
SG&A Insurance	—	—	—	18.81M	18.15M
Other Opex Insurance	26.26M	-8.14M	1.61M	—	—
Total Opex Insurance	727.69M	348.17M	293.68M	281.62M	303.62M
Interest Expense	—	—	—	-0.84M	-1.25M
Policy Benefits	546.19M	255.03M	278.97M	89.86M	106.32M
Policy Cost	142.14M	88.18M	—	108.11M	100.04M
Provision for Bad Debts	—	—	—	1.54M	4.96M
Asset Writedown	3.61M	0.93M	5.11M	3.90M	-10.33M
D&A For EBITDA	16.41M	16.40M	13.71M	16.93M	17.31M
Da Suppl Insurance	13.10M	13.10M	13.10M	16.93M	17.31M
Profitability & Returns
EBIT	-36.14M	33.68M	54.21M	80.19M	87.56M
EBIT Margin	-5.2%	+8.8%	+15.6%	+22.2%	+22.4%
EBITDA	-19.74M	50.07M	67.92M	97.12M	104.87M
EBITDA Margin	-2.9%	+13.1%	+19.5%	+26.8%	+26.8%
EBT Excluding Unusual Items	-36.14M	33.68M	54.21M	79.35M	86.31M
Pretax Income	-32.54M	34.60M	59.32M	83.25M	75.98M
Opinc Insurance	-36.14M	33.68M	54.21M	80.19M	87.56M
Operating Margin	-5.2%	+8.8%	+15.6%	+22.2%	+22.4%
Profit Margin	-4.0%	+9.1%	+17.1%	+23.0%	+19.4%
Net Income	-27.95M	34.60M	59.32M	83.25M	75.98M
Net Income to Common	-27.95M	34.60M	59.32M	83.25M	75.98M
Net Income Growth	—	-41.7%	-28.7%	+9.6%	+31.6%
Income Tax Expense	-4.59M	—	—	—	—
Per Share & Capital
EPS (Basic)	-1.86	2.31	3.95	5.55	5.07
EPS (Diluted)	-1.86	2.31	3.95	5.55	5.07
EPS Growth	—	-41.7%	-28.7%	+9.6%	+31.6%
Dividend Per Share	2.00	2.00	2.50	3.00	2.50
Shares Outstanding (Basic)	15.00M	15.00M	15.00M	15.00M	15.00M
Shares Outstanding (Diluted)	15.00M	15.00M	15.00M	15.00M	15.00M
Dividend Growth	—	-20.0%	-16.7%	+20.0%	-28.6%
Free Cash Flow	81.75M	75.36M	-13.10M	85.61M	46.07M
Free Cash Flow Margin	+11.8%	+19.7%	-3.8%	+23.7%	+11.8%
Free Cash Flow Per Share	5.45	5.02	-0.87	5.71	3.07
Payout Ratio	—	+108.4%	+75.9%	+45.0%	+69.1%
Supplemental
Total Interest Dividend Income	35.53M	21.69M	20.76M	18.55M	22.78M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	691.54M	381.85M	347.89M	361.81M	391.18M
Operating Expenses	727.69M	348.17M	293.68M	281.62M	303.62M
Pretax Income	-32.54M	34.60M	59.32M	83.25M	75.98M
Income Tax	-4.59M	—	—	—	—
Net Income	-27.95M	34.60M	59.32M	83.25M	75.98M
Premium Revenue	629.22M	334.78M	308.03M	191.64M	251.02M
Policy Benefits	546.19M	255.03M	278.97M	89.86M	106.32M
Policy Cost	142.14M	88.18M	—	108.11M	100.04M
EPS (Basic)	-1.86	2.31	3.95	5.55	5.07
EPS (Diluted)	-1.86	2.31	3.95	5.55	5.07
DPS	2.00	2.00	2.50	3.00	2.50
Margins & Efficiency
Net Margin %	-4.0%	+9.1%	+17.1%	+23.0%	+19.4%
Revenue & Income
Revenue Growth (YoY)	+81.1%	+9.8%	-3.8%	-7.5%	-4.6%
Revenue Insurance	691.54M	381.85M	347.89M	361.81M	391.18M
Premiums Annuity Rev	629.22M	334.78M	308.03M	191.64M	251.02M
Other Revenue Insurance	24.09M	24.46M	19.10M	151.67M	122.97M
Gain Investment Rev Insurance	2.71M	0.93M	—	-0.05M	-5.58M
Expenses & Provisions
SG&A Insurance	—	—	—	18.81M	18.15M
Other Opex Insurance	26.26M	-8.14M	1.61M	—	—
Total Opex Insurance	727.69M	348.17M	293.68M	281.62M	303.62M
Interest Expense	—	—	—	-0.84M	-1.25M
Policy Benefits	546.19M	255.03M	278.97M	89.86M	106.32M
Policy Cost	142.14M	88.18M	—	108.11M	100.04M
Provision for Bad Debts	—	—	—	1.54M	4.96M
Asset Writedown	3.61M	0.93M	5.11M	3.90M	-10.33M
D&A For EBITDA	16.41M	16.40M	13.71M	16.93M	17.31M
Da Suppl Insurance	13.10M	13.10M	13.10M	16.93M	17.31M
Profitability & Returns
EBIT	-36.14M	33.68M	54.21M	80.19M	87.56M
EBIT Margin	-5.2%	+8.8%	+15.6%	+22.2%	+22.4%
EBITDA	-19.74M	50.07M	67.92M	97.12M	104.87M
EBITDA Margin	-2.9%	+13.1%	+19.5%	+26.8%	+26.8%
EBT Excluding Unusual Items	-36.14M	33.68M	54.21M	79.35M	86.31M
Pretax Income	-32.54M	34.60M	59.32M	83.25M	75.98M
Opinc Insurance	-36.14M	33.68M	54.21M	80.19M	87.56M
Operating Margin	-5.2%	+8.8%	+15.6%	+22.2%	+22.4%
Profit Margin	-4.0%	+9.1%	+17.1%	+23.0%	+19.4%
Net Income	-27.95M	34.60M	59.32M	83.25M	75.98M
Net Income to Common	-27.95M	34.60M	59.32M	83.25M	75.98M
Net Income Growth	—	-41.7%	-28.7%	+9.6%	+31.6%
Income Tax Expense	-4.59M	—	—	—	—
Per Share & Capital
EPS (Basic)	-1.86	2.31	3.95	5.55	5.07
EPS (Diluted)	-1.86	2.31	3.95	5.55	5.07
EPS Growth	—	-41.7%	-28.7%	+9.6%	+31.6%
Dividend Per Share	2.00	2.00	2.50	3.00	2.50
Shares Outstanding (Basic)	15.00M	15.00M	15.00M	15.00M	15.00M
Shares Outstanding (Diluted)	15.00M	15.00M	15.00M	15.00M	15.00M
Dividend Growth	—	-20.0%	-16.7%	+20.0%	-28.6%
Free Cash Flow	81.75M	75.36M	-13.10M	85.61M	46.07M
Free Cash Flow Margin	+11.8%	+19.7%	-3.8%	+23.7%	+11.8%
Free Cash Flow Per Share	5.45	5.02	-0.87	5.71	3.07
Payout Ratio	—	+108.4%	+75.9%	+45.0%	+69.1%
Supplemental
Total Interest Dividend Income	35.53M	21.69M	20.76M	18.55M	22.78M