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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	57.85M	29.15M	26.56M	25.53M	22.62M
Operating Expenses	52.65M	28.59M	24.40M	23.52M	22.45M
Pretax Income	5.20M	0.55M	2.16M	2.01M	0.17M
Income Tax	115.32K	-13.64K	44.61K	-4.62K	64.38K
Net Income	5.09M	0.57M	2.11M	2.02M	0.11M
Premium Revenue	57.32M	29.04M	26.73M	25.76M	22.69M
Policy Benefits	52.60M	28.88M	24.42M	23.30M	23.60M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.04	0.00	0.02	0.02	0.00
EPS (Diluted)	0.04	0.00	0.02	0.02	0.00
Margins & Efficiency
Net Margin %	+8.8%	+1.9%	+8.0%	+7.9%	+0.5%
Revenue & Income
Revenue Growth (YoY)	+155.7%	-35.8%	-37.9%	-41.1%	-29.0%
Revenue Insurance	57.85M	29.15M	26.56M	25.53M	22.62M
Premiums Annuity Rev	57.32M	29.04M	26.73M	25.76M	22.69M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	-0.02M	0.03M	—	—	-0.04M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	0.04M	-0.29M	-0.03M	0.21M	-1.15M
Total Opex Insurance	52.65M	28.59M	24.40M	23.52M	22.45M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	52.60M	28.88M	24.42M	23.30M	23.60M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	692.65K	691.98K	693.01K	691.85K	693.85K
Da Suppl Insurance	—	—	—	—	—
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	5.20M	0.55M	2.16M	2.01M	0.17M
EBIT Margin	+9.0%	+1.9%	+8.1%	+7.9%	+0.8%
EBITDA	5.89M	1.25M	2.85M	2.70M	0.87M
EBITDA Margin	+10.2%	+4.3%	+10.7%	+10.6%	+3.8%
EBT Excluding Unusual Items	5.20M	0.55M	2.16M	2.01M	0.17M
Pretax Income	5.20M	0.55M	2.16M	2.01M	0.17M
Opinc Insurance	5.20M	0.55M	2.16M	2.01M	0.17M
Operating Margin	+9.0%	+1.9%	+8.1%	+7.9%	+0.8%
Profit Margin	+8.8%	+1.9%	+8.0%	+7.9%	+0.5%
Net Income	5.09M	0.57M	2.11M	2.02M	0.11M
Net Income to Common	5.09M	0.57M	2.11M	2.02M	0.11M
Net Income Growth	+4,614.1%	—	—	—	—
Income Tax Expense	115.32K	-13.64K	44.61K	-4.62K	64.38K
Effective Tax Rate	+2.2%	—	+2.1%	—	+37.4%
Per Share & Capital
EPS (Basic)	0.04	0.00	0.02	0.02	0.00
EPS (Diluted)	0.04	0.00	0.02	0.02	0.00
EPS Growth	+4,837.8%	—	—	—	—
Shares Change (YoY)	-0.04	—	-0.17	0.01	—
Shares Outstanding (Basic)	113.44M	118.78M	105.74M	100.86M	118.78M
Shares Outstanding (Diluted)	113.44M	118.78M	105.74M	100.86M	118.78M
Free Cash Flow	18.06M	41.58M	25.01M	26.58M	-11.25M
Free Cash Flow Margin	+31.2%	+142.7%	+94.2%	+104.1%	-49.7%
Free Cash Flow Per Share	0.16	0.35	0.24	0.26	-0.10
Payout Ratio	+6.1%	+54.5%	+14.6%	+15.3%	+286.8%
Supplemental
Total Interest Dividend Income	0.54M	0.07M	-0.17M	-0.23M	-0.03M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	57.85M	29.15M	26.56M	25.53M	22.62M
Operating Expenses	52.65M	28.59M	24.40M	23.52M	22.45M
Pretax Income	5.20M	0.55M	2.16M	2.01M	0.17M
Income Tax	115.32K	-13.64K	44.61K	-4.62K	64.38K
Net Income	5.09M	0.57M	2.11M	2.02M	0.11M
Premium Revenue	57.32M	29.04M	26.73M	25.76M	22.69M
Policy Benefits	52.60M	28.88M	24.42M	23.30M	23.60M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.04	0.00	0.02	0.02	0.00
EPS (Diluted)	0.04	0.00	0.02	0.02	0.00
Margins & Efficiency
Net Margin %	+8.8%	+1.9%	+8.0%	+7.9%	+0.5%
Revenue & Income
Revenue Growth (YoY)	+155.7%	-35.8%	-37.9%	-41.1%	-29.0%
Revenue Insurance	57.85M	29.15M	26.56M	25.53M	22.62M
Premiums Annuity Rev	57.32M	29.04M	26.73M	25.76M	22.69M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	-0.02M	0.03M	—	—	-0.04M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	0.04M	-0.29M	-0.03M	0.21M	-1.15M
Total Opex Insurance	52.65M	28.59M	24.40M	23.52M	22.45M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	52.60M	28.88M	24.42M	23.30M	23.60M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	692.65K	691.98K	693.01K	691.85K	693.85K
Da Suppl Insurance	—	—	—	—	—
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	5.20M	0.55M	2.16M	2.01M	0.17M
EBIT Margin	+9.0%	+1.9%	+8.1%	+7.9%	+0.8%
EBITDA	5.89M	1.25M	2.85M	2.70M	0.87M
EBITDA Margin	+10.2%	+4.3%	+10.7%	+10.6%	+3.8%
EBT Excluding Unusual Items	5.20M	0.55M	2.16M	2.01M	0.17M
Pretax Income	5.20M	0.55M	2.16M	2.01M	0.17M
Opinc Insurance	5.20M	0.55M	2.16M	2.01M	0.17M
Operating Margin	+9.0%	+1.9%	+8.1%	+7.9%	+0.8%
Profit Margin	+8.8%	+1.9%	+8.0%	+7.9%	+0.5%
Net Income	5.09M	0.57M	2.11M	2.02M	0.11M
Net Income to Common	5.09M	0.57M	2.11M	2.02M	0.11M
Net Income Growth	+4,614.1%	—	—	—	—
Income Tax Expense	115.32K	-13.64K	44.61K	-4.62K	64.38K
Effective Tax Rate	+2.2%	—	+2.1%	—	+37.4%
Per Share & Capital
EPS (Basic)	0.04	0.00	0.02	0.02	0.00
EPS (Diluted)	0.04	0.00	0.02	0.02	0.00
EPS Growth	+4,837.8%	—	—	—	—
Shares Change (YoY)	-0.04	—	-0.17	0.01	—
Shares Outstanding (Basic)	113.44M	118.78M	105.74M	100.86M	118.78M
Shares Outstanding (Diluted)	113.44M	118.78M	105.74M	100.86M	118.78M
Free Cash Flow	18.06M	41.58M	25.01M	26.58M	-11.25M
Free Cash Flow Margin	+31.2%	+142.7%	+94.2%	+104.1%	-49.7%
Free Cash Flow Per Share	0.16	0.35	0.24	0.26	-0.10
Payout Ratio	+6.1%	+54.5%	+14.6%	+15.3%	+286.8%
Supplemental
Total Interest Dividend Income	0.54M	0.07M	-0.17M	-0.23M	-0.03M