SALAMA

Islamic Arab Insurance Co. (Salama)

SALAMAStocksDubai 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
Operations
Operating Cash Flow	-77.62M	102.36M	-622.19M	322.94M	93.20M
Free Cash Flow	-80.99M	101.86M	-624.18M	321.26M	91.85M
Capital Expenditures	-3.36M	-0.50M	-1.99M	-1.68M	-1.35M
Investing & Financing
Investing Cash Flow	100.63M	-88.00M	426.57M	28.00M	-1.36M
Financing Cash Flow	-12.36M	-3.35M	-53.21M	-71.86M	-78.92M
Dividends Paid	—	—	-23.75M	-98.04M	-71.30M
Operating Activities
Operating Cash Flow	-77.62M	102.36M	-622.19M	322.94M	93.20M
Net Income	13.09M	-158.39M	18.90M	40.05M	149.37M
Change Accounts Receivable Insurance	6.80M	-6.80M	6.81M	-4.32M	-40.02M
Change in Working Capital	-77.06M	82.54M	-653.69M	198.14M	-30.69M
Change Insurance Reserves Liabilities	46.67M	169.28M	-604.82M	83.25M	-59.19M
Change Other Net Oper Assets Insurance	32.37M	9.83M	-100.53M	119.20M	68.51M
Other Operating Activities Insurance	-20.20M	14.02M	19.00M	48.23M	29.20M
Depreciation & Amortization	5.35M	5.35M	5.81M	6.53M	7.15M
Other Amortization	1.63M	1.85M	1.53M	0.85M	0.88M
Cash Income Tax Paid	—	5.10M	6.36M	—	—
Reinsurance Recoverable CF	-122.40M	-66.62M	57.83M	—	—
Miscellaneous Cash Flow Adjustments	—	—	258.47M	-258.47M	—
Investing Activities
Investing Cash Flow	100.63M	-88.00M	426.57M	28.00M	-1.36M
Capex Insurance	-3.36M	-0.50M	-1.99M	-1.68M	-1.35M
Investment in Securities	115.46M	-71.01M	465.85M	65.79M	-100.93M
Other Investing Activities	-10.42M	-15.47M	-35.29M	-33.05M	99.38M
Sale Of Intangibles Insurance	-1.03M	-1.03M	-1.78M	-3.06M	0.10M
Gain Assets CF Insurance	—	—	—	—	-604.00K
Loss (Gain) on Sale of Investments	0.02M	-0.08M	-6.80M	36.63M	-30.87M
Financing Activities
Financing Cash Flow	-12.36M	-3.35M	-53.21M	-71.86M	-78.92M
Common Dividends Paid	—	—	-23.75M	-98.04M	-71.30M
Short-Term Debt Issued	—	—	—	25.00M	—
Total Debt Issued	—	—	—	25.00M	—
Short-Term Debt Repaid	—	—	-25.00M	—	—
Net Debt Issued Insurance	—	—	-25.00M	25.00M	—
Other Financing Activities Insurance	-12.36M	-3.35M	-4.47M	1.18M	-7.62M
Total Debt Repaid Insurance	—	—	-25.00M	—	—
Free Cash Flow & Returns
Free Cash Flow	-80.99M	101.86M	-624.18M	321.26M	91.85M
Free Cash Flow Growth	—	—	—	+249.8%	+72.7%
Free Cash Flow Margin	-7.3%	+8.6%	-66.1%	+44.5%	+10.4%
Free Cash Flow Per Share	-0.17	0.20	-1.29	0.67	0.19
Levered Free Cash Flow	-86.06M	-89.85M	-420.79M	-317.82M	-19.70M
Unlevered Free Cash Flow	-73.60M	-80.57M	-411.88M	-315.72M	-17.79M
Operating Cash Flow Growth	—	—	—	+246.5%	+75.3%
Net Cash Flow	10.65M	11.00M	9.64M	20.62M	12.91M

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
Operations
Operating Cash Flow	-77.62M	102.36M	-622.19M	322.94M	93.20M
Free Cash Flow	-80.99M	101.86M	-624.18M	321.26M	91.85M
Capital Expenditures	-3.36M	-0.50M	-1.99M	-1.68M	-1.35M
Investing & Financing
Investing Cash Flow	100.63M	-88.00M	426.57M	28.00M	-1.36M
Financing Cash Flow	-12.36M	-3.35M	-53.21M	-71.86M	-78.92M
Dividends Paid	—	—	-23.75M	-98.04M	-71.30M
Operating Activities
Operating Cash Flow	-77.62M	102.36M	-622.19M	322.94M	93.20M
Net Income	13.09M	-158.39M	18.90M	40.05M	149.37M
Change Accounts Receivable Insurance	6.80M	-6.80M	6.81M	-4.32M	-40.02M
Change in Working Capital	-77.06M	82.54M	-653.69M	198.14M	-30.69M
Change Insurance Reserves Liabilities	46.67M	169.28M	-604.82M	83.25M	-59.19M
Change Other Net Oper Assets Insurance	32.37M	9.83M	-100.53M	119.20M	68.51M
Other Operating Activities Insurance	-20.20M	14.02M	19.00M	48.23M	29.20M
Depreciation & Amortization	5.35M	5.35M	5.81M	6.53M	7.15M
Other Amortization	1.63M	1.85M	1.53M	0.85M	0.88M
Cash Income Tax Paid	—	5.10M	6.36M	—	—
Reinsurance Recoverable CF	-122.40M	-66.62M	57.83M	—	—
Miscellaneous Cash Flow Adjustments	—	—	258.47M	-258.47M	—
Investing Activities
Investing Cash Flow	100.63M	-88.00M	426.57M	28.00M	-1.36M
Capex Insurance	-3.36M	-0.50M	-1.99M	-1.68M	-1.35M
Investment in Securities	115.46M	-71.01M	465.85M	65.79M	-100.93M
Other Investing Activities	-10.42M	-15.47M	-35.29M	-33.05M	99.38M
Sale Of Intangibles Insurance	-1.03M	-1.03M	-1.78M	-3.06M	0.10M
Gain Assets CF Insurance	—	—	—	—	-604.00K
Loss (Gain) on Sale of Investments	0.02M	-0.08M	-6.80M	36.63M	-30.87M
Financing Activities
Financing Cash Flow	-12.36M	-3.35M	-53.21M	-71.86M	-78.92M
Common Dividends Paid	—	—	-23.75M	-98.04M	-71.30M
Short-Term Debt Issued	—	—	—	25.00M	—
Total Debt Issued	—	—	—	25.00M	—
Short-Term Debt Repaid	—	—	-25.00M	—	—
Net Debt Issued Insurance	—	—	-25.00M	25.00M	—
Other Financing Activities Insurance	-12.36M	-3.35M	-4.47M	1.18M	-7.62M
Total Debt Repaid Insurance	—	—	-25.00M	—	—
Free Cash Flow & Returns
Free Cash Flow	-80.99M	101.86M	-624.18M	321.26M	91.85M
Free Cash Flow Growth	—	—	—	+249.8%	+72.7%
Free Cash Flow Margin	-7.3%	+8.6%	-66.1%	+44.5%	+10.4%
Free Cash Flow Per Share	-0.17	0.20	-1.29	0.67	0.19
Levered Free Cash Flow	-86.06M	-89.85M	-420.79M	-317.82M	-19.70M
Unlevered Free Cash Flow	-73.60M	-80.57M	-411.88M	-315.72M	-17.79M
Operating Cash Flow Growth	—	—	—	+246.5%	+75.3%
Net Cash Flow	10.65M	11.00M	9.64M	20.62M	12.91M