Abu Dhabi National Takaful

Abu Dhabi National Takaful Co.

TKFLStocksAbu Dhabi Securities ExchangeInsurance

Financials

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	458.91M	376.03M	928.54M	658.28M	193.63M
Operating Expenses	350.55M	286.75M	836.22M	592.60M	108.02M
Pretax Income	145.21M	90.80M	103.04M	66.72M	88.02M
Income Tax	12.40M	7.72M	—	—	—
Net Income	132.80M	83.08M	103.04M	66.72M	88.02M
Premium Revenue	412.37M	325.72M	887.23M	624.14M	122.42M
Policy Benefits	181.47M	183.88M	880.71M	649.74M	44.86M
Policy Cost	249.09M	207.46M	—	—	—
EPS (Basic)	1.26	0.79	0.98	0.64	0.84
EPS (Diluted)	1.26	0.79	0.98	0.64	0.84
DPS	0.29	0.20	0.30	0.26	0.24
Margins & Efficiency
Net Margin %	+28.9%	+22.1%	+11.1%	+10.1%	+45.5%
Revenue & Income
Revenue Growth (YoY)	+22.0%	-59.5%	+41.1%	+240.0%	-5.8%
Revenue Insurance	458.91M	376.03M	928.54M	658.28M	193.63M
Premiums Annuity Rev	412.37M	325.72M	887.23M	624.14M	122.42M
Other Revenue Insurance	—	—	—	—	22.08M
Gain (Loss) on Sale of Assets	5.37M	0.57M	0.08M	—	-0.00M
Gain Investment Rev Insurance	-0.22M	-0.51M	-0.33M	0.24M	1.70M
Expenses & Provisions
SG&A Insurance	75.26M	67.29M	58.07M	52.73M	42.34M
Other Opex Insurance	-169.03M	-153.92M	-114.90M	-100.06M	20.82M
Total Opex Insurance	350.55M	286.75M	836.22M	592.60M	108.02M
Policy Benefits	181.47M	183.88M	880.71M	649.74M	44.86M
Policy Cost	249.09M	207.46M	—	—	—
Asset Writedown	31.47M	0.96M	10.64M	1.04M	2.41M
D&A For EBITDA	1.88M	1.93M	2.11M	1.90M	1.56M
Deferred Policy Acquisition Cost	—	—	—	—	7.45M
Profitability & Returns
EBIT	108.37M	89.28M	92.32M	65.68M	85.61M
EBIT Margin	+23.6%	+23.7%	+9.9%	+10.0%	+44.2%
EBITDA	110.24M	91.21M	94.43M	67.58M	87.17M
EBITDA Margin	+24.0%	+24.3%	+10.2%	+10.3%	+45.0%
EBT Excluding Unusual Items	108.37M	89.28M	92.32M	65.68M	85.61M
Pretax Income	145.21M	90.80M	103.04M	66.72M	88.02M
Opinc Insurance	108.37M	89.28M	92.32M	65.68M	85.61M
Operating Margin	+23.6%	+23.7%	+9.9%	+10.0%	+44.2%
Profit Margin	+28.9%	+22.1%	+11.1%	+10.1%	+45.5%
Net Income	132.80M	83.08M	103.04M	66.72M	88.02M
Net Income to Common	132.80M	83.08M	103.04M	66.72M	88.02M
Net Income Growth	+59.8%	-19.4%	+54.4%	-24.2%	+12.3%
Income Tax Expense	12.40M	7.72M	—	—	—
Effective Tax Rate	+8.5%	+8.5%	—	—	—
Per Share & Capital
EPS (Basic)	1.26	0.79	0.98	0.64	0.84
EPS (Diluted)	1.26	0.79	0.98	0.64	0.84
EPS Growth	+59.8%	-19.4%	+54.4%	-24.2%	+12.3%
Dividend Per Share	0.29	0.20	0.30	0.26	0.24
Shares Outstanding (Basic)	105.00M	105.00M	105.00M	105.00M	105.00M
Shares Outstanding (Diluted)	105.00M	105.00M	105.00M	105.00M	105.00M
Dividend Growth	+43.0%	-33.3%	+16.7%	+8.0%	+25.0%
Free Cash Flow	96.89M	-8.97M	155.38M	-15.81M	-47.42M
Free Cash Flow Margin	+21.1%	-2.4%	+16.7%	-2.4%	-24.5%
Free Cash Flow Per Share	0.92	-0.09	1.48	-0.15	-0.45
Payout Ratio	+15.8%	+37.9%	+26.2%	+37.5%	+22.7%
Supplemental
Total Interest Dividend Income	46.77M	50.83M	41.65M	33.90M	47.43M

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	458.91M	376.03M	928.54M	658.28M	193.63M
Operating Expenses	350.55M	286.75M	836.22M	592.60M	108.02M
Pretax Income	145.21M	90.80M	103.04M	66.72M	88.02M
Income Tax	12.40M	7.72M	—	—	—
Net Income	132.80M	83.08M	103.04M	66.72M	88.02M
Premium Revenue	412.37M	325.72M	887.23M	624.14M	122.42M
Policy Benefits	181.47M	183.88M	880.71M	649.74M	44.86M
Policy Cost	249.09M	207.46M	—	—	—
EPS (Basic)	1.26	0.79	0.98	0.64	0.84
EPS (Diluted)	1.26	0.79	0.98	0.64	0.84
DPS	0.29	0.20	0.30	0.26	0.24
Margins & Efficiency
Net Margin %	+28.9%	+22.1%	+11.1%	+10.1%	+45.5%
Revenue & Income
Revenue Growth (YoY)	+22.0%	-59.5%	+41.1%	+240.0%	-5.8%
Revenue Insurance	458.91M	376.03M	928.54M	658.28M	193.63M
Premiums Annuity Rev	412.37M	325.72M	887.23M	624.14M	122.42M
Other Revenue Insurance	—	—	—	—	22.08M
Gain (Loss) on Sale of Assets	5.37M	0.57M	0.08M	—	-0.00M
Gain Investment Rev Insurance	-0.22M	-0.51M	-0.33M	0.24M	1.70M
Expenses & Provisions
SG&A Insurance	75.26M	67.29M	58.07M	52.73M	42.34M
Other Opex Insurance	-169.03M	-153.92M	-114.90M	-100.06M	20.82M
Total Opex Insurance	350.55M	286.75M	836.22M	592.60M	108.02M
Policy Benefits	181.47M	183.88M	880.71M	649.74M	44.86M
Policy Cost	249.09M	207.46M	—	—	—
Asset Writedown	31.47M	0.96M	10.64M	1.04M	2.41M
D&A For EBITDA	1.88M	1.93M	2.11M	1.90M	1.56M
Deferred Policy Acquisition Cost	—	—	—	—	7.45M
Profitability & Returns
EBIT	108.37M	89.28M	92.32M	65.68M	85.61M
EBIT Margin	+23.6%	+23.7%	+9.9%	+10.0%	+44.2%
EBITDA	110.24M	91.21M	94.43M	67.58M	87.17M
EBITDA Margin	+24.0%	+24.3%	+10.2%	+10.3%	+45.0%
EBT Excluding Unusual Items	108.37M	89.28M	92.32M	65.68M	85.61M
Pretax Income	145.21M	90.80M	103.04M	66.72M	88.02M
Opinc Insurance	108.37M	89.28M	92.32M	65.68M	85.61M
Operating Margin	+23.6%	+23.7%	+9.9%	+10.0%	+44.2%
Profit Margin	+28.9%	+22.1%	+11.1%	+10.1%	+45.5%
Net Income	132.80M	83.08M	103.04M	66.72M	88.02M
Net Income to Common	132.80M	83.08M	103.04M	66.72M	88.02M
Net Income Growth	+59.8%	-19.4%	+54.4%	-24.2%	+12.3%
Income Tax Expense	12.40M	7.72M	—	—	—
Effective Tax Rate	+8.5%	+8.5%	—	—	—
Per Share & Capital
EPS (Basic)	1.26	0.79	0.98	0.64	0.84
EPS (Diluted)	1.26	0.79	0.98	0.64	0.84
EPS Growth	+59.8%	-19.4%	+54.4%	-24.2%	+12.3%
Dividend Per Share	0.29	0.20	0.30	0.26	0.24
Shares Outstanding (Basic)	105.00M	105.00M	105.00M	105.00M	105.00M
Shares Outstanding (Diluted)	105.00M	105.00M	105.00M	105.00M	105.00M
Dividend Growth	+43.0%	-33.3%	+16.7%	+8.0%	+25.0%
Free Cash Flow	96.89M	-8.97M	155.38M	-15.81M	-47.42M
Free Cash Flow Margin	+21.1%	-2.4%	+16.7%	-2.4%	-24.5%
Free Cash Flow Per Share	0.92	-0.09	1.48	-0.15	-0.45
Payout Ratio	+15.8%	+37.9%	+26.2%	+37.5%	+22.7%
Supplemental
Total Interest Dividend Income	46.77M	50.83M	41.65M	33.90M	47.43M