AMAN

Dubai Islamic Insurance & Reinsurance Co.

AMANStocksDubai Financial MarketInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	68.32M	66.03M	6.58M	134.77M	139.66M
Operating Expenses	93.04M	41.97M	11.09M	124.62M	117.08M
Pretax Income	-28.41M	31.96M	-10.12M	12.30M	19.14M
Net Income	-28.41M	31.96M	-10.16M	12.29M	19.12M
Premium Revenue	61.40M	107.75M	6.58M	112.15M	110.57M
Policy Benefits	72.67M	76.57M	—	71.09M	54.12M
Policy Cost	3.43M	12.52M	28.61M	24.60M	25.09M
EPS (Basic)	-0.13	0.14	-0.05	0.05	0.08
EPS (Diluted)	-0.13	0.14	-0.05	0.05	0.08
Margins & Efficiency
Net Margin %	-41.6%	+48.4%	-154.5%	+9.1%	+13.7%
Revenue & Income
Revenue as Reported	—	—	76.29M	—	—
Revenue Growth (YoY)	+3.5%	+904.0%	-95.1%	-3.5%	+24.7%
Revenue Insurance	68.32M	66.03M	6.58M	134.77M	139.66M
Premiums Annuity Rev	61.40M	107.75M	—	112.15M	110.57M
Other Revenue Insurance	12.24M	-30.27M	—	17.42M	18.26M
Gain Investment Rev Insurance	-7.18M	-11.00M	4.86M	-6.60M	7.45M
Expenses & Provisions
SG&A Insurance	14.79M	15.06M	27.22M	29.56M	34.82M
Other Opex Insurance	2.14M	-62.19M	-44.74M	-0.63M	3.06M
Total Opex Insurance	93.04M	41.97M	11.09M	124.62M	117.08M
Policy Benefits	72.67M	76.57M	—	71.09M	54.12M
Policy Cost	3.43M	12.52M	28.61M	24.60M	25.09M
Asset Writedown	-3.69M	7.90M	-5.61M	2.15M	-3.44M
D&A For EBITDA	38.98K	80.66K	120.10K	136.42K	174.43K
Deferred Policy Acquisition Cost	—	0.59M	8.70M	10.53M	7.64M
Profitability & Returns
EBIT	-24.72M	24.06M	-4.52M	10.15M	22.57M
EBIT Margin	-36.2%	+36.4%	-68.7%	+7.5%	+16.2%
EBITDA	-24.68M	24.14M	-4.40M	10.29M	22.75M
EBITDA Margin	-36.1%	+36.6%	-66.9%	+7.6%	+16.3%
EBT Excluding Unusual Items	-24.72M	24.06M	-4.52M	10.15M	22.57M
Pretax Income	-28.41M	31.96M	-10.12M	12.30M	19.14M
Opinc Insurance	-24.72M	24.06M	-4.52M	10.15M	22.57M
Operating Margin	-36.2%	+36.4%	-68.7%	+7.5%	+16.2%
Profit Margin	-41.6%	+48.4%	-154.5%	+9.1%	+13.7%
Net Income	-28.41M	31.96M	-10.16M	12.29M	19.12M
Net Income to Common	-28.41M	31.96M	-10.16M	12.29M	19.12M
Net Income to Company	-28.41M	31.96M	-10.16M	12.29M	19.11M
Net Income Growth	—	—	—	-35.7%	+118.0%
Earnings From Continuing Ops.	-28.41M	31.96M	-10.12M	12.30M	19.14M
Earnings From Discontinued Ops.	—	—	-38.83K	-5.68K	-23.10K
Minority Interest in Earnings	—	—	-1.12K	0.57K	2.06K
Per Share & Capital
EPS (Basic)	-0.13	0.14	-0.05	0.05	0.08
EPS (Diluted)	-0.13	0.14	-0.05	0.05	0.08
EPS Growth	—	—	—	-35.7%	+118.0%
Shares Outstanding (Basic)	225.75M	225.75M	225.75M	225.75M	225.75M
Shares Outstanding (Diluted)	225.75M	225.75M	225.75M	225.75M	225.75M
Free Cash Flow	-141.14M	-119.59M	-8.36M	38.11M	87.30M
Free Cash Flow Margin	-206.6%	-181.1%	-127.1%	+28.3%	+62.5%
Free Cash Flow Per Share	-0.63	-0.53	-0.04	0.17	0.39
Supplemental
Total Interest Dividend Income	1.85M	-0.45M	1.72M	11.80M	3.38M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	68.32M	66.03M	6.58M	134.77M	139.66M
Operating Expenses	93.04M	41.97M	11.09M	124.62M	117.08M
Pretax Income	-28.41M	31.96M	-10.12M	12.30M	19.14M
Net Income	-28.41M	31.96M	-10.16M	12.29M	19.12M
Premium Revenue	61.40M	107.75M	6.58M	112.15M	110.57M
Policy Benefits	72.67M	76.57M	—	71.09M	54.12M
Policy Cost	3.43M	12.52M	28.61M	24.60M	25.09M
EPS (Basic)	-0.13	0.14	-0.05	0.05	0.08
EPS (Diluted)	-0.13	0.14	-0.05	0.05	0.08
Margins & Efficiency
Net Margin %	-41.6%	+48.4%	-154.5%	+9.1%	+13.7%
Revenue & Income
Revenue as Reported	—	—	76.29M	—	—
Revenue Growth (YoY)	+3.5%	+904.0%	-95.1%	-3.5%	+24.7%
Revenue Insurance	68.32M	66.03M	6.58M	134.77M	139.66M
Premiums Annuity Rev	61.40M	107.75M	—	112.15M	110.57M
Other Revenue Insurance	12.24M	-30.27M	—	17.42M	18.26M
Gain Investment Rev Insurance	-7.18M	-11.00M	4.86M	-6.60M	7.45M
Expenses & Provisions
SG&A Insurance	14.79M	15.06M	27.22M	29.56M	34.82M
Other Opex Insurance	2.14M	-62.19M	-44.74M	-0.63M	3.06M
Total Opex Insurance	93.04M	41.97M	11.09M	124.62M	117.08M
Policy Benefits	72.67M	76.57M	—	71.09M	54.12M
Policy Cost	3.43M	12.52M	28.61M	24.60M	25.09M
Asset Writedown	-3.69M	7.90M	-5.61M	2.15M	-3.44M
D&A For EBITDA	38.98K	80.66K	120.10K	136.42K	174.43K
Deferred Policy Acquisition Cost	—	0.59M	8.70M	10.53M	7.64M
Profitability & Returns
EBIT	-24.72M	24.06M	-4.52M	10.15M	22.57M
EBIT Margin	-36.2%	+36.4%	-68.7%	+7.5%	+16.2%
EBITDA	-24.68M	24.14M	-4.40M	10.29M	22.75M
EBITDA Margin	-36.1%	+36.6%	-66.9%	+7.6%	+16.3%
EBT Excluding Unusual Items	-24.72M	24.06M	-4.52M	10.15M	22.57M
Pretax Income	-28.41M	31.96M	-10.12M	12.30M	19.14M
Opinc Insurance	-24.72M	24.06M	-4.52M	10.15M	22.57M
Operating Margin	-36.2%	+36.4%	-68.7%	+7.5%	+16.2%
Profit Margin	-41.6%	+48.4%	-154.5%	+9.1%	+13.7%
Net Income	-28.41M	31.96M	-10.16M	12.29M	19.12M
Net Income to Common	-28.41M	31.96M	-10.16M	12.29M	19.12M
Net Income to Company	-28.41M	31.96M	-10.16M	12.29M	19.11M
Net Income Growth	—	—	—	-35.7%	+118.0%
Earnings From Continuing Ops.	-28.41M	31.96M	-10.12M	12.30M	19.14M
Earnings From Discontinued Ops.	—	—	-38.83K	-5.68K	-23.10K
Minority Interest in Earnings	—	—	-1.12K	0.57K	2.06K
Per Share & Capital
EPS (Basic)	-0.13	0.14	-0.05	0.05	0.08
EPS (Diluted)	-0.13	0.14	-0.05	0.05	0.08
EPS Growth	—	—	—	-35.7%	+118.0%
Shares Outstanding (Basic)	225.75M	225.75M	225.75M	225.75M	225.75M
Shares Outstanding (Diluted)	225.75M	225.75M	225.75M	225.75M	225.75M
Free Cash Flow	-141.14M	-119.59M	-8.36M	38.11M	87.30M
Free Cash Flow Margin	-206.6%	-181.1%	-127.1%	+28.3%	+62.5%
Free Cash Flow Per Share	-0.63	-0.53	-0.04	0.17	0.39
Supplemental
Total Interest Dividend Income	1.85M	-0.45M	1.72M	11.80M	3.38M