SALAMA

Islamic Arab Insurance Co. (Salama)

SALAMAStocksDubai Financial MarketInsurance

Financials

1-5

	CurrentMar 10, 2026	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Market & Price
Market Capitalization	0.49B	0.36B	0.37B	0.36B	0.38B
Market Cap Growth	+33.5%	+6.8%	+11.9%	+6.3%	-24.5%
Enterprise Value	0.36B	0.24B	0.29B	0.27B	0.33B
Last Close Price	0.53	0.40	0.40	0.39	0.42
Valuation Multiples
PE Ratio	106.80	513.37	46.69	—	—
PS Ratio	0.46	0.45	0.45	0.33	0.35
PB Ratio	1.37	1.01	1.06	1.06	1.15
P/TBV Ratio	2.11	1.55	1.61	1.64	1.77
P/FCF Ratio	—	—	-3.61	—	—
P/OCF Ratio	—	—	-3.69	—	—
EV/Sales Ratio	0.34	0.30	0.35	0.25	0.30
EV/EBITDA Ratio	—	7.82	7.01	7.51	5.92
EV/EBIT Ratio	—	8.76	7.63	8.26	6.26
EV/FCF Ratio	-6.12	—	-2.86	—	—
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.02	0.02	0.02
Debt / EBITDA Ratio	0.15	0.23	0.11	0.32	0.13
Debt / FCF Ratio	—	—	-0.05	—	—
Net Debt / Equity Ratio	-0.43	-0.43	-0.50	-0.38	-0.43
Net Debt / EBITDA Ratio	-4.93	-4.93	-4.15	-3.67	-2.56
Net Debt / FCF Ratio	0.91	0.98	1.69	0.83	2.12
Efficiency & Liquidity
Asset Turnover	0.33	0.02	0.33	0.30	0.31
Quick Ratio	0.35	0.35	0.35	0.29	0.64
Current Ratio	1.57	1.57	1.54	1.56	3.26
Returns & Yields
Return on Equity (ROE)	+3.2%	+9.1%	+0.5%	-4.7%	+6.1%
Return on Assets (ROA)	+0.3%	+0.8%	+0.3%	+0.7%	+1.0%
Return on Invested Capital (ROIC)	+0.8%	+2.2%	+0.1%	+2.0%	+1.5%
Earnings Yield	+0.8%	+0.2%	+2.1%	+0.6%	+3.4%
FCF Yield	-12.1%	-43.0%	-27.7%	-43.4%	-17.8%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Buyback Yield / Dilution	0.0%	—	—	—	-0.1%
Total Shareholder Return	0.0%	—	—	—	-0.1%

1-5

	CurrentMar 10, 2026	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Market & Price
Market Capitalization	0.49B	0.36B	0.37B	0.36B	0.38B
Market Cap Growth	+33.5%	+6.8%	+11.9%	+6.3%	-24.5%
Enterprise Value	0.36B	0.24B	0.29B	0.27B	0.33B
Last Close Price	0.53	0.40	0.40	0.39	0.42
Valuation Multiples
PE Ratio	106.80	513.37	46.69	—	—
PS Ratio	0.46	0.45	0.45	0.33	0.35
PB Ratio	1.37	1.01	1.06	1.06	1.15
P/TBV Ratio	2.11	1.55	1.61	1.64	1.77
P/FCF Ratio	—	—	-3.61	—	—
P/OCF Ratio	—	—	-3.69	—	—
EV/Sales Ratio	0.34	0.30	0.35	0.25	0.30
EV/EBITDA Ratio	—	7.82	7.01	7.51	5.92
EV/EBIT Ratio	—	8.76	7.63	8.26	6.26
EV/FCF Ratio	-6.12	—	-2.86	—	—
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.02	0.02	0.02
Debt / EBITDA Ratio	0.15	0.23	0.11	0.32	0.13
Debt / FCF Ratio	—	—	-0.05	—	—
Net Debt / Equity Ratio	-0.43	-0.43	-0.50	-0.38	-0.43
Net Debt / EBITDA Ratio	-4.93	-4.93	-4.15	-3.67	-2.56
Net Debt / FCF Ratio	0.91	0.98	1.69	0.83	2.12
Efficiency & Liquidity
Asset Turnover	0.33	0.02	0.33	0.30	0.31
Quick Ratio	0.35	0.35	0.35	0.29	0.64
Current Ratio	1.57	1.57	1.54	1.56	3.26
Returns & Yields
Return on Equity (ROE)	+3.2%	+9.1%	+0.5%	-4.7%	+6.1%
Return on Assets (ROA)	+0.3%	+0.8%	+0.3%	+0.7%	+1.0%
Return on Invested Capital (ROIC)	+0.8%	+2.2%	+0.1%	+2.0%	+1.5%
Earnings Yield	+0.8%	+0.2%	+2.1%	+0.6%	+3.4%
FCF Yield	-12.1%	-43.0%	-27.7%	-43.4%	-17.8%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Buyback Yield / Dilution	0.0%	—	—	—	-0.1%
Total Shareholder Return	0.0%	—	—	—	-0.1%