HAYAH INSURANCE

Hayah Insurance Company P.J.S.C

HAYAHStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	240.00M	272.00M	344.00M	342.00M	318.00M
Market Cap Growth	-20.5%	+21.4%	+42.1%	+52.7%	+85.1%
Enterprise Value	205.57M	251.86M	331.71M	331.76M	309.55M
Last Close Price	1.20	1.36	1.72	1.71	1.59
Valuation Multiples
PE Ratio	143.71	162.87	-164.12	—	151.14
PS Ratio	1.75	1.98	2.91	2.98	2.91
PB Ratio	1.87	2.12	2.79	2.80	2.54
P/TBV Ratio	2.04	2.32	3.07	3.11	2.79
P/FCF Ratio	78.59	—	20.02	28.83	-22.42
P/OCF Ratio	58.79	—	18.49	25.58	-25.15
EV/Sales Ratio	1.50	1.84	2.81	2.89	2.83
EV/EBITDA Ratio	65.64	79.53	-400.13	—	103.88
EV/EBIT Ratio	97.75	119.76	-185.62	—	128.29
EV/FCF Ratio	67.31	—	19.30	27.97	-21.83
Leverage & Capital
Net Debt / Equity Ratio	-0.27	-0.27	-0.16	-0.10	-0.08
Net Debt / EBITDA Ratio	-12.34	-10.87	24.29	-52.08	-3.44
Net Debt / FCF Ratio	-11.27	-11.27	-1.17	-1.04	0.72
Efficiency & Liquidity
Asset Turnover	0.65	0.49	0.46	0.57	0.50
Quick Ratio	0.81	0.81	0.63	1.55	1.43
Current Ratio	2.78	2.78	2.65	4.44	3.52
Returns & Yields
Return on Equity (ROE)	+14.3%	+0.6%	-11.5%	+1.7%	+2.3%
Return on Assets (ROA)	+4.1%	+0.2%	-3.6%	+1.0%	+0.9%
Return on Invested Capital (ROIC)	+3.6%	+0.2%	-2.9%	+0.4%	+0.6%
Earnings Yield	+0.7%	+0.6%	-0.6%	-0.3%	+0.7%
FCF Yield	+1.3%	+1.1%	+5.0%	+3.5%	-4.5%

AED 1.20

Official close

0.0%

Price as of May 13, 2026 · Market close

Prices may be delayed by up to 30 minutes.

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	240.00M	272.00M	344.00M	342.00M	318.00M
Market Cap Growth	-20.5%	+21.4%	+42.1%	+52.7%	+85.1%
Enterprise Value	205.57M	251.86M	331.71M	331.76M	309.55M
Last Close Price	1.20	1.36	1.72	1.71	1.59
Valuation Multiples
PE Ratio	143.71	162.87	-164.12	—	151.14
PS Ratio	1.75	1.98	2.91	2.98	2.91
PB Ratio	1.87	2.12	2.79	2.80	2.54
P/TBV Ratio	2.04	2.32	3.07	3.11	2.79
P/FCF Ratio	78.59	—	20.02	28.83	-22.42
P/OCF Ratio	58.79	—	18.49	25.58	-25.15
EV/Sales Ratio	1.50	1.84	2.81	2.89	2.83
EV/EBITDA Ratio	65.64	79.53	-400.13	—	103.88
EV/EBIT Ratio	97.75	119.76	-185.62	—	128.29
EV/FCF Ratio	67.31	—	19.30	27.97	-21.83
Leverage & Capital
Net Debt / Equity Ratio	-0.27	-0.27	-0.16	-0.10	-0.08
Net Debt / EBITDA Ratio	-12.34	-10.87	24.29	-52.08	-3.44
Net Debt / FCF Ratio	-11.27	-11.27	-1.17	-1.04	0.72
Efficiency & Liquidity
Asset Turnover	0.65	0.49	0.46	0.57	0.50
Quick Ratio	0.81	0.81	0.63	1.55	1.43
Current Ratio	2.78	2.78	2.65	4.44	3.52
Returns & Yields
Return on Equity (ROE)	+14.3%	+0.6%	-11.5%	+1.7%	+2.3%
Return on Assets (ROA)	+4.1%	+0.2%	-3.6%	+1.0%	+0.9%
Return on Invested Capital (ROIC)	+3.6%	+0.2%	-2.9%	+0.4%	+0.6%
Earnings Yield	+0.7%	+0.6%	-0.6%	-0.3%	+0.7%
FCF Yield	+1.3%	+1.1%	+5.0%	+3.5%	-4.5%