Al Dhafra Insurance

Al Dhafra Insurance Co.

DHAFRAStocksAbu Dhabi Securities ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	131.04M	112.69M	110.97M	97.27M	160.10M
Operating Expenses	80.72M	74.68M	69.27M	76.26M	121.27M
Pretax Income	51.71M	41.17M	41.30M	22.96M	38.64M
Income Tax	2.77M	2.79M	—	—	—
Net Income	48.94M	38.38M	41.30M	22.96M	38.64M
Premium Revenue	85.41M	73.93M	72.91M	81.54M	78.25M
Policy Benefits	48.51M	69.55M	-13.37M	11.65M	33.68M
Policy Cost	53.20M	44.20M	45.12M	50.70M	44.96M
EPS (Basic)	0.49	0.38	0.41	0.23	0.39
EPS (Diluted)	0.49	0.38	0.41	0.23	0.39
DPS	0.35	0.35	0.35	0.30	0.35
Margins & Efficiency
Net Margin %	+37.4%	+34.1%	+37.2%	+23.6%	+24.1%
Revenue & Income
Revenue Growth (YoY)	+16.3%	+1.6%	+14.1%	-39.2%	+3.2%
Revenue Insurance	131.04M	112.69M	110.97M	97.27M	160.10M
Premiums Annuity Rev	85.41M	73.93M	72.91M	81.54M	78.25M
Other Revenue Insurance	—	—	—	—	57.33M
Gain Investment Rev Insurance	16.31M	15.41M	21.47M	0.13M	7.28M
Expenses & Provisions
SG&A Insurance	—	—	—	—	42.63M
Other Opex Insurance	-20.98M	-39.07M	37.52M	13.91M	—
Total Opex Insurance	80.72M	74.68M	69.27M	76.26M	121.27M
Interest Expense	-485.47K	-429.11K	-391.19K	-150.83K	-194.47K
Policy Benefits	48.51M	69.55M	-13.37M	11.65M	33.68M
Policy Cost	53.20M	44.20M	45.12M	50.70M	44.96M
Asset Writedown	1.88M	3.59M	—	2.10M	—
D&A For EBITDA	509.70K	413.92K	486.03K	696.15K	791.05K
Deferred Policy Acquisition Cost	—	—	—	—	23.22M
Profitability & Returns
EBIT	50.32M	38.01M	41.69M	21.01M	38.83M
EBIT Margin	+38.4%	+33.7%	+37.6%	+21.6%	+24.3%
EBITDA	50.83M	38.43M	42.18M	21.71M	39.62M
EBITDA Margin	+38.8%	+34.1%	+38.0%	+22.3%	+24.8%
EBT Excluding Unusual Items	49.83M	37.58M	41.30M	20.86M	38.64M
Pretax Income	51.71M	41.17M	41.30M	22.96M	38.64M
Opinc Insurance	50.32M	38.01M	41.69M	21.01M	38.83M
Operating Margin	+38.4%	+33.7%	+37.6%	+21.6%	+24.3%
Profit Margin	+37.4%	+34.1%	+37.2%	+23.6%	+24.1%
Net Income	48.94M	38.38M	41.30M	22.96M	38.64M
Net Income to Common	48.94M	38.38M	41.30M	22.96M	38.64M
Net Income Growth	+27.5%	-7.1%	+79.9%	-40.6%	-29.5%
Income Tax Expense	2.77M	2.79M	—	—	—
Effective Tax Rate	+5.4%	+6.8%	—	—	—
Per Share & Capital
EPS (Basic)	0.49	0.38	0.41	0.23	0.39
EPS (Diluted)	0.49	0.38	0.41	0.23	0.39
EPS Growth	+27.5%	-7.1%	+79.9%	-40.6%	-29.5%
Dividend Per Share	0.35	0.35	0.35	0.30	0.35
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Dividend Growth	—	—	+16.7%	-14.3%	-12.5%
Free Cash Flow	-4.10M	43.87M	5.02M	24.28M	12.56M
Free Cash Flow Margin	-3.1%	+38.9%	+4.5%	+25.0%	+7.8%
Free Cash Flow Per Share	-0.04	0.44	0.05	0.24	0.13
Payout Ratio	+71.5%	+91.2%	+72.6%	+152.4%	+103.5%
Supplemental
Total Interest Dividend Income	29.32M	23.34M	16.59M	15.60M	17.23M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	131.04M	112.69M	110.97M	97.27M	160.10M
Operating Expenses	80.72M	74.68M	69.27M	76.26M	121.27M
Pretax Income	51.71M	41.17M	41.30M	22.96M	38.64M
Income Tax	2.77M	2.79M	—	—	—
Net Income	48.94M	38.38M	41.30M	22.96M	38.64M
Premium Revenue	85.41M	73.93M	72.91M	81.54M	78.25M
Policy Benefits	48.51M	69.55M	-13.37M	11.65M	33.68M
Policy Cost	53.20M	44.20M	45.12M	50.70M	44.96M
EPS (Basic)	0.49	0.38	0.41	0.23	0.39
EPS (Diluted)	0.49	0.38	0.41	0.23	0.39
DPS	0.35	0.35	0.35	0.30	0.35
Margins & Efficiency
Net Margin %	+37.4%	+34.1%	+37.2%	+23.6%	+24.1%
Revenue & Income
Revenue Growth (YoY)	+16.3%	+1.6%	+14.1%	-39.2%	+3.2%
Revenue Insurance	131.04M	112.69M	110.97M	97.27M	160.10M
Premiums Annuity Rev	85.41M	73.93M	72.91M	81.54M	78.25M
Other Revenue Insurance	—	—	—	—	57.33M
Gain Investment Rev Insurance	16.31M	15.41M	21.47M	0.13M	7.28M
Expenses & Provisions
SG&A Insurance	—	—	—	—	42.63M
Other Opex Insurance	-20.98M	-39.07M	37.52M	13.91M	—
Total Opex Insurance	80.72M	74.68M	69.27M	76.26M	121.27M
Interest Expense	-485.47K	-429.11K	-391.19K	-150.83K	-194.47K
Policy Benefits	48.51M	69.55M	-13.37M	11.65M	33.68M
Policy Cost	53.20M	44.20M	45.12M	50.70M	44.96M
Asset Writedown	1.88M	3.59M	—	2.10M	—
D&A For EBITDA	509.70K	413.92K	486.03K	696.15K	791.05K
Deferred Policy Acquisition Cost	—	—	—	—	23.22M
Profitability & Returns
EBIT	50.32M	38.01M	41.69M	21.01M	38.83M
EBIT Margin	+38.4%	+33.7%	+37.6%	+21.6%	+24.3%
EBITDA	50.83M	38.43M	42.18M	21.71M	39.62M
EBITDA Margin	+38.8%	+34.1%	+38.0%	+22.3%	+24.8%
EBT Excluding Unusual Items	49.83M	37.58M	41.30M	20.86M	38.64M
Pretax Income	51.71M	41.17M	41.30M	22.96M	38.64M
Opinc Insurance	50.32M	38.01M	41.69M	21.01M	38.83M
Operating Margin	+38.4%	+33.7%	+37.6%	+21.6%	+24.3%
Profit Margin	+37.4%	+34.1%	+37.2%	+23.6%	+24.1%
Net Income	48.94M	38.38M	41.30M	22.96M	38.64M
Net Income to Common	48.94M	38.38M	41.30M	22.96M	38.64M
Net Income Growth	+27.5%	-7.1%	+79.9%	-40.6%	-29.5%
Income Tax Expense	2.77M	2.79M	—	—	—
Effective Tax Rate	+5.4%	+6.8%	—	—	—
Per Share & Capital
EPS (Basic)	0.49	0.38	0.41	0.23	0.39
EPS (Diluted)	0.49	0.38	0.41	0.23	0.39
EPS Growth	+27.5%	-7.1%	+79.9%	-40.6%	-29.5%
Dividend Per Share	0.35	0.35	0.35	0.30	0.35
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Dividend Growth	—	—	+16.7%	-14.3%	-12.5%
Free Cash Flow	-4.10M	43.87M	5.02M	24.28M	12.56M
Free Cash Flow Margin	-3.1%	+38.9%	+4.5%	+25.0%	+7.8%
Free Cash Flow Per Share	-0.04	0.44	0.05	0.24	0.13
Payout Ratio	+71.5%	+91.2%	+72.6%	+152.4%	+103.5%
Supplemental
Total Interest Dividend Income	29.32M	23.34M	16.59M	15.60M	17.23M