HAYAH INSURANCE

Hayah Insurance Company P.J.S.C

HAYAHStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	266.00M	272.00M	224.00M	198.00M	194.00M
Market Cap Growth	-16.9%	+21.4%	+13.1%	+2.1%	+48.3%
Enterprise Value	231.57M	251.86M	207.16M	186.28M	182.23M
Last Close Price	1.33	1.36	1.12	0.99	0.97
Valuation Multiples
PE Ratio	159.28	162.87	48.22	—	26.12
PS Ratio	1.94	2.01	2.19	2.12	2.60
PB Ratio	2.08	2.12	1.80	1.66	1.60
P/TBV Ratio	2.26	2.32	1.96	1.84	1.68
P/FCF Ratio	87.10	89.06	—	—	—
P/OCF Ratio	65.16	66.63	—	—	—
EV/Sales Ratio	1.69	1.86	2.03	2.00	2.44
EV/EBITDA Ratio	73.94	61.46	39.01	—	23.77
EV/EBIT Ratio	110.12	119.76	43.20	—	24.54
EV/FCF Ratio	75.83	82.47	—	—	—
Leverage & Capital
Net Debt / Equity Ratio	-0.27	-0.27	-0.07	-0.05	-0.10
Net Debt / EBITDA Ratio	-8.40	-8.40	-1.59	1.17	-1.56
Net Debt / FCF Ratio	-11.27	-11.27	0.75	0.26	0.78
Efficiency & Liquidity
Asset Turnover	0.56	0.56	0.52	0.49	0.41
Quick Ratio	0.92	0.92	1.27	0.88	664.63
Current Ratio	1.93	1.93	3.75	3.13	1,510.44
Returns & Yields
Return on Equity (ROE)	+1.3%	+1.3%	+3.8%	-4.7%	+6.0%
Return on Assets (ROA)	+0.5%	+0.5%	+1.5%	-1.9%	+2.5%
Return on Invested Capital (ROIC)	+1.3%	+1.3%	+3.8%	-4.7%	+6.0%
Earnings Yield	+0.6%	+0.6%	+2.1%	-2.9%	+3.8%
FCF Yield	+1.1%	+1.1%	-5.0%	-11.9%	-7.9%
Buyback Yield / Dilution	-3.4%	-4.4%	—	—	—

AED 1.33

Official close

+3.9%

Price as of March 26, 2026 · Market close

Prices may be delayed by up to 30 minutes.

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	266.00M	272.00M	224.00M	198.00M	194.00M
Market Cap Growth	-16.9%	+21.4%	+13.1%	+2.1%	+48.3%
Enterprise Value	231.57M	251.86M	207.16M	186.28M	182.23M
Last Close Price	1.33	1.36	1.12	0.99	0.97
Valuation Multiples
PE Ratio	159.28	162.87	48.22	—	26.12
PS Ratio	1.94	2.01	2.19	2.12	2.60
PB Ratio	2.08	2.12	1.80	1.66	1.60
P/TBV Ratio	2.26	2.32	1.96	1.84	1.68
P/FCF Ratio	87.10	89.06	—	—	—
P/OCF Ratio	65.16	66.63	—	—	—
EV/Sales Ratio	1.69	1.86	2.03	2.00	2.44
EV/EBITDA Ratio	73.94	61.46	39.01	—	23.77
EV/EBIT Ratio	110.12	119.76	43.20	—	24.54
EV/FCF Ratio	75.83	82.47	—	—	—
Leverage & Capital
Net Debt / Equity Ratio	-0.27	-0.27	-0.07	-0.05	-0.10
Net Debt / EBITDA Ratio	-8.40	-8.40	-1.59	1.17	-1.56
Net Debt / FCF Ratio	-11.27	-11.27	0.75	0.26	0.78
Efficiency & Liquidity
Asset Turnover	0.56	0.56	0.52	0.49	0.41
Quick Ratio	0.92	0.92	1.27	0.88	664.63
Current Ratio	1.93	1.93	3.75	3.13	1,510.44
Returns & Yields
Return on Equity (ROE)	+1.3%	+1.3%	+3.8%	-4.7%	+6.0%
Return on Assets (ROA)	+0.5%	+0.5%	+1.5%	-1.9%	+2.5%
Return on Invested Capital (ROIC)	+1.3%	+1.3%	+3.8%	-4.7%	+6.0%
Earnings Yield	+0.6%	+0.6%	+2.1%	-2.9%	+3.8%
FCF Yield	+1.1%	+1.1%	-5.0%	-11.9%	-7.9%
Buyback Yield / Dilution	-3.4%	-4.4%	—	—	—