SALAMA

Islamic Arab Insurance Co. (Salama)

SALAMAStocksDubai Financial MarketInsurance

Financials

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	0.33B	0.37B	0.36B	0.37B	0.36B
Market Cap Growth	-10.9%	-3.4%	+6.8%	+11.9%	+6.3%
Enterprise Value	0.20B	0.27B	0.24B	0.29B	0.27B
Last Close Price	0.68	0.77	0.75	0.77	0.75
Valuation Multiples
PE Ratio	81.95	—	513.37	46.69	—
PS Ratio	0.31	0.35	0.46	0.46	0.34
PB Ratio	0.91	1.03	1.01	1.06	1.06
P/TBV Ratio	1.41	1.59	1.55	1.61	1.64
P/FCF Ratio	—	—	—	-3.22	—
P/OCF Ratio	—	—	—	-3.28	—
EV/Sales Ratio	0.19	0.26	0.31	0.36	0.25
EV/EBITDA Ratio	10.55	—	30.62	15.67	21.82
EV/EBIT Ratio	14.40	—	52.80	19.13	29.59
EV/FCF Ratio	-3.35	—	—	-2.54	—
Leverage & Capital
Debt / Equity Ratio	0.02	0.02	0.01	0.02	0.02
Debt / EBITDA Ratio	0.32	—	0.23	0.11	0.32
Debt / FCF Ratio	—	—	—	-0.05	—
Net Debt / Equity Ratio	-0.53	-0.53	-0.43	-0.50	-0.38
Net Debt / EBITDA Ratio	-11.10	-11.10	-19.32	-9.28	-10.67
Net Debt / FCF Ratio	3.18	3.18	0.91	1.51	0.77
Efficiency & Liquidity
Asset Turnover	0.62	0.33	0.02	0.33	0.28
Quick Ratio	0.74	0.74	0.35	0.35	0.29
Current Ratio	3.18	3.18	1.57	1.54	1.56
Returns & Yields
Return on Equity (ROE)	+0.1%	+3.2%	+9.1%	+0.5%	-4.7%
Return on Assets (ROA)	-0.3%	+0.3%	+0.8%	+0.3%	-0.9%
Return on Invested Capital (ROIC)	-1.1%	+0.8%	+2.2%	+0.1%	-2.7%
Earnings Yield	+1.2%	+1.1%	+0.2%	+2.1%	+0.6%
FCF Yield	-18.1%	-16.1%	-46.5%	-31.1%	-46.9%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Buyback Yield / Dilution	0.0%	0.0%	—	—	—
Total Shareholder Return	0.0%	0.0%	—	—	—

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	0.33B	0.37B	0.36B	0.37B	0.36B
Market Cap Growth	-10.9%	-3.4%	+6.8%	+11.9%	+6.3%
Enterprise Value	0.20B	0.27B	0.24B	0.29B	0.27B
Last Close Price	0.68	0.77	0.75	0.77	0.75
Valuation Multiples
PE Ratio	81.95	—	513.37	46.69	—
PS Ratio	0.31	0.35	0.46	0.46	0.34
PB Ratio	0.91	1.03	1.01	1.06	1.06
P/TBV Ratio	1.41	1.59	1.55	1.61	1.64
P/FCF Ratio	—	—	—	-3.22	—
P/OCF Ratio	—	—	—	-3.28	—
EV/Sales Ratio	0.19	0.26	0.31	0.36	0.25
EV/EBITDA Ratio	10.55	—	30.62	15.67	21.82
EV/EBIT Ratio	14.40	—	52.80	19.13	29.59
EV/FCF Ratio	-3.35	—	—	-2.54	—
Leverage & Capital
Debt / Equity Ratio	0.02	0.02	0.01	0.02	0.02
Debt / EBITDA Ratio	0.32	—	0.23	0.11	0.32
Debt / FCF Ratio	—	—	—	-0.05	—
Net Debt / Equity Ratio	-0.53	-0.53	-0.43	-0.50	-0.38
Net Debt / EBITDA Ratio	-11.10	-11.10	-19.32	-9.28	-10.67
Net Debt / FCF Ratio	3.18	3.18	0.91	1.51	0.77
Efficiency & Liquidity
Asset Turnover	0.62	0.33	0.02	0.33	0.28
Quick Ratio	0.74	0.74	0.35	0.35	0.29
Current Ratio	3.18	3.18	1.57	1.54	1.56
Returns & Yields
Return on Equity (ROE)	+0.1%	+3.2%	+9.1%	+0.5%	-4.7%
Return on Assets (ROA)	-0.3%	+0.3%	+0.8%	+0.3%	-0.9%
Return on Invested Capital (ROIC)	-1.1%	+0.8%	+2.2%	+0.1%	-2.7%
Earnings Yield	+1.2%	+1.1%	+0.2%	+2.1%	+0.6%
FCF Yield	-18.1%	-16.1%	-46.5%	-31.1%	-46.9%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Buyback Yield / Dilution	0.0%	0.0%	—	—	—
Total Shareholder Return	0.0%	0.0%	—	—	—