Emirates Insurance

Emirates Insurance Co.

EICStocksAbu 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
Operations
Operating Cash Flow	228.90M	-19.46M	-11.02M	62.62M	29.24M
Free Cash Flow	218.55M	-24.45M	-12.56M	59.67M	27.25M
Capital Expenditures	-10.36M	-4.99M	-1.54M	-2.95M	-1.99M
Investing & Financing
Investing Cash Flow	-24.14M	252.26M	84.58M	-39.92M	100.94M
Financing Cash Flow	-215.87M	-82.50M	-75.03M	-75.03M	-90.03M
Dividends Paid	-75.00M	-82.50M	-75.00M	-75.00M	-90.00M
Share Repurchase	-140.87M	—	—	—	—
Operating Activities
Operating Cash Flow	228.90M	-19.46M	-11.02M	62.62M	29.24M
Net Income	138.44M	110.75M	126.29M	55.80M	71.01M
Change Accounts Receivable Insurance	-2.55M	—	2.38M	-2.38M	-6.99M
Change in Unearned Revenue	—	—	—	—	7.42M
Change in Working Capital	175.34M	-57.56M	-55.13M	32.29M	18.56M
Change Insurance Reserves Liabilities	-82.24M	456.57M	81.72M	-218.53M	-258.33M
Change Other Net Oper Assets Insurance	-0.60M	-12.73M	55.23M	3.24M	-3.99M
Other Operating Activities Insurance	-65.99M	-65.60M	-53.46M	-55.80M	-40.47M
Depreciation & Amortization	4.22M	3.58M	3.54M	4.17M	5.23M
Cash Income Tax Paid	7.98M	—	—	—	—
Reinsurance Recoverable CF	264.61M	-504.20M	-168.78M	217.93M	274.07M
Investing Activities
Investing Cash Flow	-24.14M	252.26M	84.58M	-39.92M	100.94M
Capex Insurance	-10.36M	-4.99M	-1.54M	-2.95M	-1.99M
Investment in Securities	-79.87M	181.97M	29.97M	-88.11M	59.05M
Other Investing Activities	66.06M	75.27M	56.02M	51.06M	43.86M
Sale of Property, Plant & Equipment	27.00K	13.00K	131.00K	84.00K	19.00K
Gain Assets CF Insurance	-27.00K	-13.00K	-82.00K	-42.00K	-19.00K
Loss (Gain) on Sale of Investments	-23.08M	-10.62M	-32.18M	26.20M	-25.77M
Financing Activities
Financing Cash Flow	-215.87M	-82.50M	-75.03M	-75.03M	-90.03M
Common Dividends Paid	-75.00M	-82.50M	-75.00M	-75.00M	-90.00M
Common Repurchased Insurance	-140.87M	—	—	—	—
Long-Term Debt Repaid	—	—	-32.00K	-32.00K	-32.00K
Net Debt Issued Insurance	—	—	-32.00K	-32.00K	-32.00K
Total Debt Repaid Insurance	—	—	-32.00K	-32.00K	-32.00K
Free Cash Flow & Returns
Free Cash Flow	218.55M	-24.45M	-12.56M	59.67M	27.25M
Free Cash Flow Growth	—	—	—	+119.0%	-59.5%
Free Cash Flow Margin	+31.4%	-4.0%	-2.2%	+5.3%	+4.8%
Free Cash Flow Per Share	1.46	-0.16	-0.08	0.40	0.18
Levered Free Cash Flow	342.10M	-457.72M	-445.82M	-460.84M	160.91M
Unlevered Free Cash Flow	342.10M	-457.72M	-445.82M	-460.84M	160.91M
Operating Cash Flow Growth	—	—	—	+114.2%	-58.6%
Net Cash Flow	-11.11M	150.31M	-1.47M	-52.33M	40.15M

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
Operations
Operating Cash Flow	228.90M	-19.46M	-11.02M	62.62M	29.24M
Free Cash Flow	218.55M	-24.45M	-12.56M	59.67M	27.25M
Capital Expenditures	-10.36M	-4.99M	-1.54M	-2.95M	-1.99M
Investing & Financing
Investing Cash Flow	-24.14M	252.26M	84.58M	-39.92M	100.94M
Financing Cash Flow	-215.87M	-82.50M	-75.03M	-75.03M	-90.03M
Dividends Paid	-75.00M	-82.50M	-75.00M	-75.00M	-90.00M
Share Repurchase	-140.87M	—	—	—	—
Operating Activities
Operating Cash Flow	228.90M	-19.46M	-11.02M	62.62M	29.24M
Net Income	138.44M	110.75M	126.29M	55.80M	71.01M
Change Accounts Receivable Insurance	-2.55M	—	2.38M	-2.38M	-6.99M
Change in Unearned Revenue	—	—	—	—	7.42M
Change in Working Capital	175.34M	-57.56M	-55.13M	32.29M	18.56M
Change Insurance Reserves Liabilities	-82.24M	456.57M	81.72M	-218.53M	-258.33M
Change Other Net Oper Assets Insurance	-0.60M	-12.73M	55.23M	3.24M	-3.99M
Other Operating Activities Insurance	-65.99M	-65.60M	-53.46M	-55.80M	-40.47M
Depreciation & Amortization	4.22M	3.58M	3.54M	4.17M	5.23M
Cash Income Tax Paid	7.98M	—	—	—	—
Reinsurance Recoverable CF	264.61M	-504.20M	-168.78M	217.93M	274.07M
Investing Activities
Investing Cash Flow	-24.14M	252.26M	84.58M	-39.92M	100.94M
Capex Insurance	-10.36M	-4.99M	-1.54M	-2.95M	-1.99M
Investment in Securities	-79.87M	181.97M	29.97M	-88.11M	59.05M
Other Investing Activities	66.06M	75.27M	56.02M	51.06M	43.86M
Sale of Property, Plant & Equipment	27.00K	13.00K	131.00K	84.00K	19.00K
Gain Assets CF Insurance	-27.00K	-13.00K	-82.00K	-42.00K	-19.00K
Loss (Gain) on Sale of Investments	-23.08M	-10.62M	-32.18M	26.20M	-25.77M
Financing Activities
Financing Cash Flow	-215.87M	-82.50M	-75.03M	-75.03M	-90.03M
Common Dividends Paid	-75.00M	-82.50M	-75.00M	-75.00M	-90.00M
Common Repurchased Insurance	-140.87M	—	—	—	—
Long-Term Debt Repaid	—	—	-32.00K	-32.00K	-32.00K
Net Debt Issued Insurance	—	—	-32.00K	-32.00K	-32.00K
Total Debt Repaid Insurance	—	—	-32.00K	-32.00K	-32.00K
Free Cash Flow & Returns
Free Cash Flow	218.55M	-24.45M	-12.56M	59.67M	27.25M
Free Cash Flow Growth	—	—	—	+119.0%	-59.5%
Free Cash Flow Margin	+31.4%	-4.0%	-2.2%	+5.3%	+4.8%
Free Cash Flow Per Share	1.46	-0.16	-0.08	0.40	0.18
Levered Free Cash Flow	342.10M	-457.72M	-445.82M	-460.84M	160.91M
Unlevered Free Cash Flow	342.10M	-457.72M	-445.82M	-460.84M	160.91M
Operating Cash Flow Growth	—	—	—	+114.2%	-58.6%
Net Cash Flow	-11.11M	150.31M	-1.47M	-52.33M	40.15M