Dubai Insurance

Dubai Insurance CompanyPSC

DINStocksDubai Financial MarketInsurance

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	1.42B	1.26B	0.90B	0.41B	0.38B
Operating Expenses	1.20B	1.11B	0.75B	0.32B	0.29B
Pretax Income	209.32M	141.95M	141.89M	90.04M	80.57M
Income Tax	18.67M	9.65M	—	—	—
Net Income	190.65M	132.30M	137.38M	84.83M	76.76M
Premium Revenue	1.33B	1.19B	0.85B	0.39B	0.26B
Policy Benefits	1.17B	1.08B	0.73B	0.31B	0.05B
Policy Cost	—	—	—	—	61.83M
EPS (Basic)	1.91	1.32	1.37	0.85	0.77
EPS (Diluted)	1.91	1.32	1.37	0.85	0.77
DPS	1.00	0.80	0.70	0.50	0.40
Margins & Efficiency
Net Margin %	+13.4%	+10.5%	+15.2%	+20.5%	+20.5%
Revenue & Income
Revenue Growth (YoY)	+13.1%	+39.2%	+118.8%	+10.1%	+75.1%
Revenue Insurance	1.42B	1.26B	0.90B	0.41B	0.38B
Premiums Annuity Rev	1.33B	1.19B	0.85B	0.39B	0.26B
Other Revenue Insurance	—	—	—	—	97.95M
Gain Investment Rev Insurance	—	—	-845.00K	-2.00K	138.00K
Expenses & Provisions
SG&A Insurance	0.40M	0.38M	0.64M	1.00M	51.28M
Other Opex Insurance	35.68M	27.23M	18.93M	12.22M	127.07M
Total Opex Insurance	1.20B	1.11B	0.75B	0.32B	0.29B
Interest Expense	-11.40M	-10.35M	-11.16M	—	—
Other Non Operating Income (Expenses)	395.00K	43.00K	—	—	—
Policy Benefits	1.17B	1.08B	0.73B	0.31B	0.05B
Policy Cost	—	—	—	—	61.83M
D&A For EBITDA	6.69M	5.88M	4.01M	2.78M	1.90M
Profitability & Returns
EBIT	220.32M	152.26M	153.05M	90.04M	80.57M
EBIT Margin	+15.5%	+12.1%	+16.9%	+21.8%	+21.5%
EBITDA	227.01M	158.14M	157.06M	92.82M	82.48M
EBITDA Margin	+16.0%	+12.6%	+17.4%	+22.5%	+22.0%
Pretax Income	209.32M	141.95M	141.89M	90.04M	80.57M
Opinc Insurance	220.32M	152.26M	153.05M	90.04M	80.57M
Operating Margin	+15.5%	+12.1%	+16.9%	+21.8%	+21.5%
Profit Margin	+13.4%	+10.5%	+15.2%	+20.5%	+20.5%
Net Income	190.65M	132.30M	141.89M	90.04M	80.57M
Net Income to Common	190.65M	132.30M	137.38M	84.83M	76.76M
Net Income Growth	+44.1%	-6.8%	+57.6%	+11.8%	+46.5%
Income Tax Expense	18.67M	9.65M	—	—	—
Effective Tax Rate	+8.9%	+6.8%	—	—	—
Per Share & Capital
EPS (Basic)	1.91	1.32	1.37	0.85	0.77
EPS (Diluted)	1.91	1.32	1.37	0.85	0.77
EPS Growth	+44.1%	-3.7%	+61.9%	+10.5%	+51.7%
Dividend Per Share	1.00	0.80	0.70	0.50	0.40
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Dividend Growth	+25.0%	+14.3%	+40.0%	+25.0%	+14.3%
Free Cash Flow	484.27M	276.02M	415.11M	294.76M	131.42M
Free Cash Flow Margin	+34.0%	+21.9%	+45.9%	+71.4%	+35.0%
Free Cash Flow Per Share	4.84	2.76	4.15	2.95	1.31
Payout Ratio	+42.0%	+52.9%	+35.2%	+44.4%	+43.4%
Preferred Dividends & Other Adjustments	—	—	4.51M	5.21M	3.81M
Supplemental
Total Interest Dividend Income	96.61M	71.64M	50.40M	27.73M	18.69M

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	1.42B	1.26B	0.90B	0.41B	0.38B
Operating Expenses	1.20B	1.11B	0.75B	0.32B	0.29B
Pretax Income	209.32M	141.95M	141.89M	90.04M	80.57M
Income Tax	18.67M	9.65M	—	—	—
Net Income	190.65M	132.30M	137.38M	84.83M	76.76M
Premium Revenue	1.33B	1.19B	0.85B	0.39B	0.26B
Policy Benefits	1.17B	1.08B	0.73B	0.31B	0.05B
Policy Cost	—	—	—	—	61.83M
EPS (Basic)	1.91	1.32	1.37	0.85	0.77
EPS (Diluted)	1.91	1.32	1.37	0.85	0.77
DPS	1.00	0.80	0.70	0.50	0.40
Margins & Efficiency
Net Margin %	+13.4%	+10.5%	+15.2%	+20.5%	+20.5%
Revenue & Income
Revenue Growth (YoY)	+13.1%	+39.2%	+118.8%	+10.1%	+75.1%
Revenue Insurance	1.42B	1.26B	0.90B	0.41B	0.38B
Premiums Annuity Rev	1.33B	1.19B	0.85B	0.39B	0.26B
Other Revenue Insurance	—	—	—	—	97.95M
Gain Investment Rev Insurance	—	—	-845.00K	-2.00K	138.00K
Expenses & Provisions
SG&A Insurance	0.40M	0.38M	0.64M	1.00M	51.28M
Other Opex Insurance	35.68M	27.23M	18.93M	12.22M	127.07M
Total Opex Insurance	1.20B	1.11B	0.75B	0.32B	0.29B
Interest Expense	-11.40M	-10.35M	-11.16M	—	—
Other Non Operating Income (Expenses)	395.00K	43.00K	—	—	—
Policy Benefits	1.17B	1.08B	0.73B	0.31B	0.05B
Policy Cost	—	—	—	—	61.83M
D&A For EBITDA	6.69M	5.88M	4.01M	2.78M	1.90M
Profitability & Returns
EBIT	220.32M	152.26M	153.05M	90.04M	80.57M
EBIT Margin	+15.5%	+12.1%	+16.9%	+21.8%	+21.5%
EBITDA	227.01M	158.14M	157.06M	92.82M	82.48M
EBITDA Margin	+16.0%	+12.6%	+17.4%	+22.5%	+22.0%
Pretax Income	209.32M	141.95M	141.89M	90.04M	80.57M
Opinc Insurance	220.32M	152.26M	153.05M	90.04M	80.57M
Operating Margin	+15.5%	+12.1%	+16.9%	+21.8%	+21.5%
Profit Margin	+13.4%	+10.5%	+15.2%	+20.5%	+20.5%
Net Income	190.65M	132.30M	141.89M	90.04M	80.57M
Net Income to Common	190.65M	132.30M	137.38M	84.83M	76.76M
Net Income Growth	+44.1%	-6.8%	+57.6%	+11.8%	+46.5%
Income Tax Expense	18.67M	9.65M	—	—	—
Effective Tax Rate	+8.9%	+6.8%	—	—	—
Per Share & Capital
EPS (Basic)	1.91	1.32	1.37	0.85	0.77
EPS (Diluted)	1.91	1.32	1.37	0.85	0.77
EPS Growth	+44.1%	-3.7%	+61.9%	+10.5%	+51.7%
Dividend Per Share	1.00	0.80	0.70	0.50	0.40
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Dividend Growth	+25.0%	+14.3%	+40.0%	+25.0%	+14.3%
Free Cash Flow	484.27M	276.02M	415.11M	294.76M	131.42M
Free Cash Flow Margin	+34.0%	+21.9%	+45.9%	+71.4%	+35.0%
Free Cash Flow Per Share	4.84	2.76	4.15	2.95	1.31
Payout Ratio	+42.0%	+52.9%	+35.2%	+44.4%	+43.4%
Preferred Dividends & Other Adjustments	—	—	4.51M	5.21M	3.81M
Supplemental
Total Interest Dividend Income	96.61M	71.64M	50.40M	27.73M	18.69M