Abu Dhabi National Takaful

Abu Dhabi National Takaful Co.

TKFLStocksAbu Dhabi Securities ExchangeInsurance

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	123.89M	122.74M	112.28M	100.01M	92.96M
Operating Expenses	113.00M	87.66M	80.00M	69.88M	64.19M
Pretax Income	47.72M	35.08M	32.28M	30.12M	30.30M
Income Tax	4.22M	2.84M	2.73M	2.61M	2.63M
Net Income	43.50M	32.24M	29.55M	27.51M	27.67M
Premium Revenue	124.84M	101.93M	97.75M	87.85M	81.23M
Policy Benefits	64.77M	101.87M	-73.81M	88.64M	-82.83M
Policy Cost	70.36M	—	178.72M	—	207.46M
EPS (Basic)	0.41	0.31	0.28	0.26	0.26
EPS (Diluted)	0.41	0.31	0.28	0.26	0.26
Margins & Efficiency
Net Margin %	+35.1%	+26.3%	+26.3%	+27.5%	+29.8%
Revenue & Income
Revenue Growth (YoY)	+33.3%	+21.6%	+33.2%	+2.2%	-86.5%
Revenue Insurance	123.89M	122.74M	112.28M	100.01M	92.96M
Premiums Annuity Rev	124.84M	101.93M	97.75M	87.85M	81.23M
Other Revenue Insurance	—	—	—	—	—
Gain (Loss) on Sale of Assets	5.37M	—	—	—	0.57M
Gain Investment Rev Insurance	-0.22M	—	—	—	-0.51M
Expenses & Provisions
SG&A Insurance	19.04M	19.61M	19.09M	17.53M	16.61M
Other Opex Insurance	-67.26M	-31.21M	-35.25M	-35.32M	-39.53M
Total Opex Insurance	113.00M	87.66M	80.00M	69.88M	64.19M
Policy Benefits	64.77M	101.87M	-73.81M	88.64M	-82.83M
Policy Cost	70.36M	—	178.72M	—	207.46M
Asset Writedown	31.47M	—	—	—	0.96M
D&A For EBITDA	416.84K	470.62K	497.15K	490.85K	490.23K
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	10.88M	35.08M	32.28M	30.12M	28.77M
EBIT Margin	+8.8%	+28.6%	+28.8%	+30.1%	+31.0%
EBITDA	11.30M	35.55M	32.78M	30.61M	29.26M
EBITDA Margin	+9.1%	+29.0%	+29.2%	+30.6%	+31.5%
EBT Excluding Unusual Items	10.88M	35.08M	32.28M	30.12M	28.77M
Pretax Income	47.72M	35.08M	32.28M	30.12M	30.30M
Opinc Insurance	10.88M	35.08M	32.28M	30.12M	28.77M
Operating Margin	+8.8%	+28.6%	+28.8%	+30.1%	+31.0%
Profit Margin	+35.1%	+26.3%	+26.3%	+27.5%	+29.8%
Net Income	43.50M	32.24M	29.55M	27.51M	27.67M
Net Income to Common	43.50M	32.24M	29.55M	27.51M	27.67M
Net Income Growth	+57.2%	+19.8%	+559.6%	+14.5%	-39.3%
Income Tax Expense	4.22M	2.84M	2.73M	2.61M	2.63M
Effective Tax Rate	+8.9%	+8.1%	+8.5%	+8.7%	+8.7%
Per Share & Capital
EPS (Basic)	0.41	0.31	0.28	0.26	0.26
EPS (Diluted)	0.41	0.31	0.28	0.26	0.26
EPS Growth	+57.2%	+19.8%	+559.6%	+14.5%	-39.3%
Dividend Per Share	0.29	—	—	—	0.20
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%
Free Cash Flow	11.43M	76.73M	23.24M	-14.52M	-46.25M
Free Cash Flow Margin	+9.2%	+62.5%	+20.7%	-14.5%	-49.8%
Free Cash Flow Per Share	0.11	0.73	0.22	-0.14	-0.44
Payout Ratio	—	—	+71.1%	—	—
Supplemental
Total Interest Dividend Income	-0.73M	20.81M	14.53M	12.16M	12.24M

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	123.89M	122.74M	112.28M	100.01M	92.96M
Operating Expenses	113.00M	87.66M	80.00M	69.88M	64.19M
Pretax Income	47.72M	35.08M	32.28M	30.12M	30.30M
Income Tax	4.22M	2.84M	2.73M	2.61M	2.63M
Net Income	43.50M	32.24M	29.55M	27.51M	27.67M
Premium Revenue	124.84M	101.93M	97.75M	87.85M	81.23M
Policy Benefits	64.77M	101.87M	-73.81M	88.64M	-82.83M
Policy Cost	70.36M	—	178.72M	—	207.46M
EPS (Basic)	0.41	0.31	0.28	0.26	0.26
EPS (Diluted)	0.41	0.31	0.28	0.26	0.26
Margins & Efficiency
Net Margin %	+35.1%	+26.3%	+26.3%	+27.5%	+29.8%
Revenue & Income
Revenue Growth (YoY)	+33.3%	+21.6%	+33.2%	+2.2%	-86.5%
Revenue Insurance	123.89M	122.74M	112.28M	100.01M	92.96M
Premiums Annuity Rev	124.84M	101.93M	97.75M	87.85M	81.23M
Other Revenue Insurance	—	—	—	—	—
Gain (Loss) on Sale of Assets	5.37M	—	—	—	0.57M
Gain Investment Rev Insurance	-0.22M	—	—	—	-0.51M
Expenses & Provisions
SG&A Insurance	19.04M	19.61M	19.09M	17.53M	16.61M
Other Opex Insurance	-67.26M	-31.21M	-35.25M	-35.32M	-39.53M
Total Opex Insurance	113.00M	87.66M	80.00M	69.88M	64.19M
Policy Benefits	64.77M	101.87M	-73.81M	88.64M	-82.83M
Policy Cost	70.36M	—	178.72M	—	207.46M
Asset Writedown	31.47M	—	—	—	0.96M
D&A For EBITDA	416.84K	470.62K	497.15K	490.85K	490.23K
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	10.88M	35.08M	32.28M	30.12M	28.77M
EBIT Margin	+8.8%	+28.6%	+28.8%	+30.1%	+31.0%
EBITDA	11.30M	35.55M	32.78M	30.61M	29.26M
EBITDA Margin	+9.1%	+29.0%	+29.2%	+30.6%	+31.5%
EBT Excluding Unusual Items	10.88M	35.08M	32.28M	30.12M	28.77M
Pretax Income	47.72M	35.08M	32.28M	30.12M	30.30M
Opinc Insurance	10.88M	35.08M	32.28M	30.12M	28.77M
Operating Margin	+8.8%	+28.6%	+28.8%	+30.1%	+31.0%
Profit Margin	+35.1%	+26.3%	+26.3%	+27.5%	+29.8%
Net Income	43.50M	32.24M	29.55M	27.51M	27.67M
Net Income to Common	43.50M	32.24M	29.55M	27.51M	27.67M
Net Income Growth	+57.2%	+19.8%	+559.6%	+14.5%	-39.3%
Income Tax Expense	4.22M	2.84M	2.73M	2.61M	2.63M
Effective Tax Rate	+8.9%	+8.1%	+8.5%	+8.7%	+8.7%
Per Share & Capital
EPS (Basic)	0.41	0.31	0.28	0.26	0.26
EPS (Diluted)	0.41	0.31	0.28	0.26	0.26
EPS Growth	+57.2%	+19.8%	+559.6%	+14.5%	-39.3%
Dividend Per Share	0.29	—	—	—	0.20
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%
Free Cash Flow	11.43M	76.73M	23.24M	-14.52M	-46.25M
Free Cash Flow Margin	+9.2%	+62.5%	+20.7%	-14.5%	-49.8%
Free Cash Flow Per Share	0.11	0.73	0.22	-0.14	-0.44
Payout Ratio	—	—	+71.1%	—	—
Supplemental
Total Interest Dividend Income	-0.73M	20.81M	14.53M	12.16M	12.24M