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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	103.85M	163.37M	111.10M	126.23M	158.03M
Operating Expenses	98.95M	183.06M	153.07M	153.98M	146.61M
Pretax Income	4.90M	-19.69M	-41.97M	-27.75M	9.52M
Income Tax	90.73K	—	—	—	—
Net Income	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Premium Revenue	104.23M	164.90M	111.37M	120.78M	134.43M
Policy Benefits	100.20M	182.52M	153.70M	152.17M	66.64M
Policy Cost	—	—	—	—	26.25M
EPS (Basic)	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.04	-0.17	-0.35	-0.23	0.08
Margins & Efficiency
Net Margin %	+4.6%	-12.1%	-37.8%	-22.0%	+6.0%
Revenue & Income
Revenue Growth (YoY)	-36.4%	+47.1%	-12.0%	-20.1%	-8.4%
Revenue Insurance	103.85M	163.37M	111.10M	126.23M	158.03M
Premiums Annuity Rev	104.23M	164.90M	111.37M	120.78M	134.43M
Other Revenue Insurance	—	—	—	—	18.54M
Gain Investment Rev Insurance	-0.04M	-0.05M	0.84M	2.27M	1.10M
Expenses & Provisions
SG&A Insurance	—	—	—	—	14.63M
Other Opex Insurance	-1.25M	0.53M	-0.63M	1.81M	13.61M
Total Opex Insurance	98.95M	183.06M	153.07M	153.98M	146.61M
Other Non Operating Income (Expenses)	—	—	—	—	-1.90M
Policy Benefits	100.20M	182.52M	153.70M	152.17M	66.64M
Policy Cost	—	—	—	—	26.25M
Provision for Bad Debts	—	—	—	—	1.12M
D&A For EBITDA	2.77M	2.79M	1.58M	1.36M	1.65M
Da Suppl Insurance	—	—	—	—	1.65M
Deferred Policy Acquisition Cost	—	—	—	—	15.99M
Profitability & Returns
EBIT	4.90M	-19.69M	-41.97M	-27.75M	11.42M
EBIT Margin	+4.7%	-12.1%	-37.8%	-22.0%	+7.2%
EBITDA	7.67M	-16.90M	-40.39M	-26.39M	13.07M
EBITDA Margin	+7.4%	-10.3%	-36.4%	-20.9%	+8.3%
Pretax Income	4.90M	-19.69M	-41.97M	-27.75M	9.52M
Opinc Insurance	4.90M	-19.69M	-41.97M	-27.75M	11.42M
Operating Margin	+4.7%	-12.1%	-37.8%	-22.0%	+7.2%
Profit Margin	+4.6%	-12.1%	-37.8%	-22.0%	+6.0%
Net Income	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Net Income to Common	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Net Income Growth	—	—	—	—	-12.5%
Income Tax Expense	90.73K	—	—	—	—
Effective Tax Rate	+1.9%	—	—	—	—
Per Share & Capital
EPS (Basic)	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.04	-0.17	-0.35	-0.23	0.08
EPS Growth	—	—	—	—	-12.5%
Shares Outstanding (Basic)	118.78M	118.78M	118.78M	118.78M	118.78M
Shares Outstanding (Diluted)	118.78M	118.78M	118.78M	118.78M	118.78M
Free Cash Flow	81.93M	-0.41M	-99.27M	-20.75M	-21.74M
Free Cash Flow Margin	+78.9%	-0.3%	-89.4%	-16.4%	-13.8%
Free Cash Flow Per Share	0.69	-0.00	-0.84	-0.18	-0.18
Payout Ratio	+25.7%	—	—	—	+62.9%
Supplemental
Total Interest Dividend Income	-0.33M	-1.48M	-1.11M	3.18M	3.95M

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	103.85M	163.37M	111.10M	126.23M	158.03M
Operating Expenses	98.95M	183.06M	153.07M	153.98M	146.61M
Pretax Income	4.90M	-19.69M	-41.97M	-27.75M	9.52M
Income Tax	90.73K	—	—	—	—
Net Income	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Premium Revenue	104.23M	164.90M	111.37M	120.78M	134.43M
Policy Benefits	100.20M	182.52M	153.70M	152.17M	66.64M
Policy Cost	—	—	—	—	26.25M
EPS (Basic)	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.04	-0.17	-0.35	-0.23	0.08
Margins & Efficiency
Net Margin %	+4.6%	-12.1%	-37.8%	-22.0%	+6.0%
Revenue & Income
Revenue Growth (YoY)	-36.4%	+47.1%	-12.0%	-20.1%	-8.4%
Revenue Insurance	103.85M	163.37M	111.10M	126.23M	158.03M
Premiums Annuity Rev	104.23M	164.90M	111.37M	120.78M	134.43M
Other Revenue Insurance	—	—	—	—	18.54M
Gain Investment Rev Insurance	-0.04M	-0.05M	0.84M	2.27M	1.10M
Expenses & Provisions
SG&A Insurance	—	—	—	—	14.63M
Other Opex Insurance	-1.25M	0.53M	-0.63M	1.81M	13.61M
Total Opex Insurance	98.95M	183.06M	153.07M	153.98M	146.61M
Other Non Operating Income (Expenses)	—	—	—	—	-1.90M
Policy Benefits	100.20M	182.52M	153.70M	152.17M	66.64M
Policy Cost	—	—	—	—	26.25M
Provision for Bad Debts	—	—	—	—	1.12M
D&A For EBITDA	2.77M	2.79M	1.58M	1.36M	1.65M
Da Suppl Insurance	—	—	—	—	1.65M
Deferred Policy Acquisition Cost	—	—	—	—	15.99M
Profitability & Returns
EBIT	4.90M	-19.69M	-41.97M	-27.75M	11.42M
EBIT Margin	+4.7%	-12.1%	-37.8%	-22.0%	+7.2%
EBITDA	7.67M	-16.90M	-40.39M	-26.39M	13.07M
EBITDA Margin	+7.4%	-10.3%	-36.4%	-20.9%	+8.3%
Pretax Income	4.90M	-19.69M	-41.97M	-27.75M	9.52M
Opinc Insurance	4.90M	-19.69M	-41.97M	-27.75M	11.42M
Operating Margin	+4.7%	-12.1%	-37.8%	-22.0%	+7.2%
Profit Margin	+4.6%	-12.1%	-37.8%	-22.0%	+6.0%
Net Income	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Net Income to Common	4.81M	-19.69M	-41.97M	-27.75M	9.52M
Net Income Growth	—	—	—	—	-12.5%
Income Tax Expense	90.73K	—	—	—	—
Effective Tax Rate	+1.9%	—	—	—	—
Per Share & Capital
EPS (Basic)	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.04	-0.17	-0.35	-0.23	0.08
EPS Growth	—	—	—	—	-12.5%
Shares Outstanding (Basic)	118.78M	118.78M	118.78M	118.78M	118.78M
Shares Outstanding (Diluted)	118.78M	118.78M	118.78M	118.78M	118.78M
Free Cash Flow	81.93M	-0.41M	-99.27M	-20.75M	-21.74M
Free Cash Flow Margin	+78.9%	-0.3%	-89.4%	-16.4%	-13.8%
Free Cash Flow Per Share	0.69	-0.00	-0.84	-0.18	-0.18
Payout Ratio	+25.7%	—	—	—	+62.9%
Supplemental
Total Interest Dividend Income	-0.33M	-1.48M	-1.11M	3.18M	3.95M