AMAN

Dubai Islamic Insurance & Reinsurance Co.

AMANStocksDubai Financial MarketInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	89.17M	76.53M	74.50M	97.98M	198.66M
Market Cap Growth	+8.2%	+2.7%	-24.0%	-50.7%	-20.0%
Enterprise Value	-67.22M	-41.22M	0.14M	67.29M	90.97M
Last Close Price	0.40	0.34	0.33	0.43	0.88
Valuation Multiples
PE Ratio	10.97	9.42	—	3.07	—
PS Ratio	3.47	2.98	1.09	1.48	30.21
PB Ratio	1.88	1.62	1.95	1.43	2.57
P/TBV Ratio	1.87	1.60	1.88	1.40	2.53
P/FCF Ratio	0.59	0.51	—	—	—
P/OCF Ratio	0.59	0.51	—	—	—
EV/Sales Ratio	—	—	0.00	1.02	13.83
EV/EBITDA Ratio	—	—	—	2.79	—
EV/EBIT Ratio	—	—	—	2.80	—
EV/FCF Ratio	-0.45	—	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.29	0.29	1.13	0.49	—
Debt / EBITDA Ratio	—	—	—	1.40	—
Debt / FCF Ratio	0.09	0.09	—	—	—
Net Debt / Equity Ratio	-3.30	-3.30	-2.35	-0.34	-0.99
Net Debt / EBITDA Ratio	96.00	96.00	3.64	-0.95	17.33
Net Debt / FCF Ratio	-1.04	-1.04	0.64	0.19	9.11
Efficiency & Liquidity
Asset Turnover	0.03	0.03	0.06	0.05	0.01
Quick Ratio	0.84	0.84	0.84	0.86	0.10
Current Ratio	1.00	1.00	1.04	1.05	1.08
Returns & Yields
Return on Equity (ROE)	+0.1%	+0.1%	-53.3%	+43.9%	-12.5%
Return on Assets (ROA)	-0.1%	-0.1%	-1.5%	+1.2%	-0.2%
Return on Invested Capital (ROIC)	-0.4%	-0.4%	-26.9%	+22.6%	-5.1%
Earnings Yield	+9.1%	+10.6%	-38.1%	+32.6%	-5.1%
FCF Yield	+168.8%	+196.6%	-189.5%	-122.1%	-4.2%

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	89.17M	76.53M	74.50M	97.98M	198.66M
Market Cap Growth	+8.2%	+2.7%	-24.0%	-50.7%	-20.0%
Enterprise Value	-67.22M	-41.22M	0.14M	67.29M	90.97M
Last Close Price	0.40	0.34	0.33	0.43	0.88
Valuation Multiples
PE Ratio	10.97	9.42	—	3.07	—
PS Ratio	3.47	2.98	1.09	1.48	30.21
PB Ratio	1.88	1.62	1.95	1.43	2.57
P/TBV Ratio	1.87	1.60	1.88	1.40	2.53
P/FCF Ratio	0.59	0.51	—	—	—
P/OCF Ratio	0.59	0.51	—	—	—
EV/Sales Ratio	—	—	0.00	1.02	13.83
EV/EBITDA Ratio	—	—	—	2.79	—
EV/EBIT Ratio	—	—	—	2.80	—
EV/FCF Ratio	-0.45	—	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.29	0.29	1.13	0.49	—
Debt / EBITDA Ratio	—	—	—	1.40	—
Debt / FCF Ratio	0.09	0.09	—	—	—
Net Debt / Equity Ratio	-3.30	-3.30	-2.35	-0.34	-0.99
Net Debt / EBITDA Ratio	96.00	96.00	3.64	-0.95	17.33
Net Debt / FCF Ratio	-1.04	-1.04	0.64	0.19	9.11
Efficiency & Liquidity
Asset Turnover	0.03	0.03	0.06	0.05	0.01
Quick Ratio	0.84	0.84	0.84	0.86	0.10
Current Ratio	1.00	1.00	1.04	1.05	1.08
Returns & Yields
Return on Equity (ROE)	+0.1%	+0.1%	-53.3%	+43.9%	-12.5%
Return on Assets (ROA)	-0.1%	-0.1%	-1.5%	+1.2%	-0.2%
Return on Invested Capital (ROIC)	-0.4%	-0.4%	-26.9%	+22.6%	-5.1%
Earnings Yield	+9.1%	+10.6%	-38.1%	+32.6%	-5.1%
FCF Yield	+168.8%	+196.6%	-189.5%	-122.1%	-4.2%