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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	29.15M	26.56M	25.53M	22.62M	45.40M
Operating Expenses	28.59M	24.40M	23.52M	22.45M	52.63M
Pretax Income	0.55M	2.16M	2.01M	0.17M	-7.23M
Income Tax	-13.64K	44.61K	-4.62K	64.38K	—
Net Income	0.57M	2.11M	2.02M	0.11M	-7.23M
Premium Revenue	29.04M	26.73M	25.76M	22.69M	45.56M
Policy Benefits	28.88M	24.42M	23.30M	23.60M	52.81M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.00	0.02	0.02	0.00	-0.06
EPS (Diluted)	0.00	0.02	0.02	0.00	-0.06
Margins & Efficiency
Net Margin %	+1.9%	+8.0%	+7.9%	+0.5%	-15.9%
Revenue & Income
Revenue Growth (YoY)	-35.8%	-37.9%	-41.1%	-29.0%	+19.0%
Revenue Insurance	29.15M	26.56M	25.53M	22.62M	45.40M
Premiums Annuity Rev	29.04M	26.73M	25.76M	22.69M	45.56M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	0.03M	—	—	-0.04M	-0.07M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	-0.29M	-0.03M	0.21M	-1.15M	-0.17M
Total Opex Insurance	28.59M	24.40M	23.52M	22.45M	52.63M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	28.88M	24.42M	23.30M	23.60M	52.81M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	691.98K	693.01K	691.85K	693.85K	697.74K
Da Suppl Insurance	—	—	—	—	—
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	0.55M	2.16M	2.01M	0.17M	-7.23M
EBIT Margin	+1.9%	+8.1%	+7.9%	+0.8%	-15.9%
EBITDA	1.25M	2.85M	2.70M	0.87M	-6.53M
EBITDA Margin	+4.3%	+10.7%	+10.6%	+3.8%	-14.4%
EBT Excluding Unusual Items	0.55M	2.16M	2.01M	0.17M	-7.23M
Pretax Income	0.55M	2.16M	2.01M	0.17M	-7.23M
Opinc Insurance	0.55M	2.16M	2.01M	0.17M	-7.23M
Operating Margin	+1.9%	+8.1%	+7.9%	+0.8%	-15.9%
Profit Margin	+1.9%	+8.0%	+7.9%	+0.5%	-15.9%
Net Income	0.57M	2.11M	2.02M	0.11M	-7.23M
Net Income to Common	0.57M	2.11M	2.02M	0.11M	-7.23M
Net Income Growth	—	—	—	—	—
Income Tax Expense	-13.64K	44.61K	-4.62K	64.38K	—
Effective Tax Rate	—	+2.1%	—	+37.4%	—
Per Share & Capital
EPS (Basic)	0.00	0.02	0.02	0.00	-0.06
EPS (Diluted)	0.00	0.02	0.02	0.00	-0.06
EPS Growth	—	—	—	—	—
Shares Change (YoY)	—	-0.17	0.01	—	—
Shares Outstanding (Basic)	118.78M	105.74M	100.86M	118.78M	118.78M
Shares Outstanding (Diluted)	118.78M	105.74M	100.86M	118.78M	118.78M
Free Cash Flow	41.58M	25.01M	26.58M	-11.25M	5.27M
Free Cash Flow Margin	+142.7%	+94.2%	+104.1%	-49.7%	+11.6%
Free Cash Flow Per Share	0.35	0.24	0.26	-0.10	0.04
Payout Ratio	+54.5%	+14.6%	+15.3%	+286.8%	—
Supplemental
Total Interest Dividend Income	0.07M	-0.17M	-0.23M	-0.03M	-0.09M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	29.15M	26.56M	25.53M	22.62M	45.40M
Operating Expenses	28.59M	24.40M	23.52M	22.45M	52.63M
Pretax Income	0.55M	2.16M	2.01M	0.17M	-7.23M
Income Tax	-13.64K	44.61K	-4.62K	64.38K	—
Net Income	0.57M	2.11M	2.02M	0.11M	-7.23M
Premium Revenue	29.04M	26.73M	25.76M	22.69M	45.56M
Policy Benefits	28.88M	24.42M	23.30M	23.60M	52.81M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.00	0.02	0.02	0.00	-0.06
EPS (Diluted)	0.00	0.02	0.02	0.00	-0.06
Margins & Efficiency
Net Margin %	+1.9%	+8.0%	+7.9%	+0.5%	-15.9%
Revenue & Income
Revenue Growth (YoY)	-35.8%	-37.9%	-41.1%	-29.0%	+19.0%
Revenue Insurance	29.15M	26.56M	25.53M	22.62M	45.40M
Premiums Annuity Rev	29.04M	26.73M	25.76M	22.69M	45.56M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	0.03M	—	—	-0.04M	-0.07M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	-0.29M	-0.03M	0.21M	-1.15M	-0.17M
Total Opex Insurance	28.59M	24.40M	23.52M	22.45M	52.63M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	28.88M	24.42M	23.30M	23.60M	52.81M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	691.98K	693.01K	691.85K	693.85K	697.74K
Da Suppl Insurance	—	—	—	—	—
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	0.55M	2.16M	2.01M	0.17M	-7.23M
EBIT Margin	+1.9%	+8.1%	+7.9%	+0.8%	-15.9%
EBITDA	1.25M	2.85M	2.70M	0.87M	-6.53M
EBITDA Margin	+4.3%	+10.7%	+10.6%	+3.8%	-14.4%
EBT Excluding Unusual Items	0.55M	2.16M	2.01M	0.17M	-7.23M
Pretax Income	0.55M	2.16M	2.01M	0.17M	-7.23M
Opinc Insurance	0.55M	2.16M	2.01M	0.17M	-7.23M
Operating Margin	+1.9%	+8.1%	+7.9%	+0.8%	-15.9%
Profit Margin	+1.9%	+8.0%	+7.9%	+0.5%	-15.9%
Net Income	0.57M	2.11M	2.02M	0.11M	-7.23M
Net Income to Common	0.57M	2.11M	2.02M	0.11M	-7.23M
Net Income Growth	—	—	—	—	—
Income Tax Expense	-13.64K	44.61K	-4.62K	64.38K	—
Effective Tax Rate	—	+2.1%	—	+37.4%	—
Per Share & Capital
EPS (Basic)	0.00	0.02	0.02	0.00	-0.06
EPS (Diluted)	0.00	0.02	0.02	0.00	-0.06
EPS Growth	—	—	—	—	—
Shares Change (YoY)	—	-0.17	0.01	—	—
Shares Outstanding (Basic)	118.78M	105.74M	100.86M	118.78M	118.78M
Shares Outstanding (Diluted)	118.78M	105.74M	100.86M	118.78M	118.78M
Free Cash Flow	41.58M	25.01M	26.58M	-11.25M	5.27M
Free Cash Flow Margin	+142.7%	+94.2%	+104.1%	-49.7%	+11.6%
Free Cash Flow Per Share	0.35	0.24	0.26	-0.10	0.04
Payout Ratio	+54.5%	+14.6%	+15.3%	+286.8%	—
Supplemental
Total Interest Dividend Income	0.07M	-0.17M	-0.23M	-0.03M	-0.09M