Sukoon Insurance

Sukoon Insurance PJSC

SUKOONStocksDubai 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	3.25B	2.59B	2.11B	1.86B	1.68B
Operating Expenses	2.88B	2.28B	1.87B	1.60B	1.48B
Pretax Income	427.93M	291.49M	258.36M	264.32M	206.94M
Income Tax	63.04M	24.66M	0.97M	5.01M	0.81M
Net Income	362.99M	265.71M	256.87M	259.31M	206.39M
Premium Revenue	3.01B	2.40B	1.96B	1.74B	1.55B
Policy Benefits	2.05B	1.56B	1.24B	1.02B	1.10B
Policy Cost	710.08M	606.82M	540.26M	469.01M	327.29M
EPS (Basic)	0.79	0.58	0.56	0.56	0.45
EPS (Diluted)	0.79	0.58	0.56	0.56	0.45
DPS	—	0.20	0.20	0.20	0.20
Margins & Efficiency
Net Margin %	+11.2%	+10.3%	+12.2%	+13.9%	+12.3%
Revenue & Income
Revenue Growth (YoY)	+25.3%	+23.0%	+13.2%	+10.9%	-3.9%
Revenue Insurance	3.25B	2.59B	2.11B	1.86B	1.68B
Premiums Annuity Rev	3.01B	2.40B	1.96B	1.74B	1.55B
Gain (Loss) on Sale of Assets	-0.05M	-20.47M	—	63.04M	-3.57M
Gain Investment Rev Insurance	0.20M	-0.22M	1.32M	-2.46M	3.30M
Currency Exchange Gain (Loss)	—	—	—	-89.00M	—
Reinsurance	—	—	—	—	228.61M
Expenses & Provisions
SG&A Insurance	127.80M	116.66M	112.36M	106.85M	284.88M
Other Opex Insurance	-3.60M	-2.51M	-17.65M	0.50M	-24.65M
Total Opex Insurance	2.88B	2.28B	1.87B	1.60B	1.48B
Interest Expense	-4.17M	-5.09M	-3.24M	—	—
Other Non Operating Income (Expenses)	31.15M	-0.32M	-6.99M	22.18M	—
Policy Benefits	2.05B	1.56B	1.24B	1.02B	1.10B
Policy Cost	710.08M	606.82M	540.26M	469.01M	327.29M
Provision for Bad Debts	—	—	—	—	23.91M
Asset Writedown	33.92M	9.93M	26.08M	2.01M	13.11M
D&A For EBITDA	20.58M	19.45M	19.28M	20.54M	5.89M
Deferred Policy Acquisition Cost	—	—	—	—	150.38M
Profitability & Returns
EBIT	367.09M	307.44M	234.81M	266.09M	197.39M
EBIT Margin	+11.3%	+11.9%	+11.1%	+14.3%	+11.8%
EBITDA	387.67M	326.89M	254.09M	286.63M	203.29M
EBITDA Margin	+11.9%	+12.6%	+12.1%	+15.4%	+12.1%
EBT Excluding Unusual Items	394.06M	302.04M	224.59M	199.27M	197.39M
Pretax Income	427.93M	291.49M	258.36M	264.32M	206.94M
Opinc Insurance	367.09M	307.44M	234.81M	266.09M	197.39M
Operating Margin	+11.3%	+11.9%	+11.1%	+14.3%	+11.8%
Profit Margin	+11.2%	+10.3%	+12.2%	+13.9%	+12.3%
Net Income	362.99M	265.71M	256.87M	259.31M	206.39M
Net Income to Common	362.99M	265.71M	256.87M	259.31M	206.39M
Net Income Growth	+36.6%	+3.4%	-0.9%	+25.6%	+6.2%
Earnings From Continuing Ops.	364.88M	266.83M	257.39M	259.31M	206.13M
Minority Interest in Earnings	-1.89M	-1.12M	-0.52M	—	0.27M
Income Tax Expense	63.04M	24.66M	0.97M	5.01M	0.81M
Effective Tax Rate	+14.7%	+8.5%	+0.4%	+1.9%	+0.4%
Per Share & Capital
EPS (Basic)	0.79	0.58	0.56	0.56	0.45
EPS (Diluted)	0.79	0.58	0.56	0.56	0.45
EPS Growth	+36.6%	+3.4%	-0.9%	+25.6%	+6.2%
Dividend Per Share	—	0.20	0.20	0.20	0.20
Shares Outstanding (Basic)	461.87M	461.87M	461.87M	461.87M	461.87M
Shares Outstanding (Diluted)	461.87M	461.87M	461.87M	461.87M	461.87M
Free Cash Flow	703.88M	611.91M	252.43M	290.79M	39.89M
Free Cash Flow Margin	+21.7%	+23.6%	+12.0%	+15.6%	+2.4%
Free Cash Flow Per Share	1.52	1.33	0.55	0.63	0.09
Payout Ratio	+25.4%	+34.8%	+36.0%	+35.6%	+44.8%
Supplemental
Other Unusual Items	—	—	7.69M	—	—
Total Interest Dividend Income	234.00M	192.56M	147.11M	123.64M	121.91M

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	3.25B	2.59B	2.11B	1.86B	1.68B
Operating Expenses	2.88B	2.28B	1.87B	1.60B	1.48B
Pretax Income	427.93M	291.49M	258.36M	264.32M	206.94M
Income Tax	63.04M	24.66M	0.97M	5.01M	0.81M
Net Income	362.99M	265.71M	256.87M	259.31M	206.39M
Premium Revenue	3.01B	2.40B	1.96B	1.74B	1.55B
Policy Benefits	2.05B	1.56B	1.24B	1.02B	1.10B
Policy Cost	710.08M	606.82M	540.26M	469.01M	327.29M
EPS (Basic)	0.79	0.58	0.56	0.56	0.45
EPS (Diluted)	0.79	0.58	0.56	0.56	0.45
DPS	—	0.20	0.20	0.20	0.20
Margins & Efficiency
Net Margin %	+11.2%	+10.3%	+12.2%	+13.9%	+12.3%
Revenue & Income
Revenue Growth (YoY)	+25.3%	+23.0%	+13.2%	+10.9%	-3.9%
Revenue Insurance	3.25B	2.59B	2.11B	1.86B	1.68B
Premiums Annuity Rev	3.01B	2.40B	1.96B	1.74B	1.55B
Gain (Loss) on Sale of Assets	-0.05M	-20.47M	—	63.04M	-3.57M
Gain Investment Rev Insurance	0.20M	-0.22M	1.32M	-2.46M	3.30M
Currency Exchange Gain (Loss)	—	—	—	-89.00M	—
Reinsurance	—	—	—	—	228.61M
Expenses & Provisions
SG&A Insurance	127.80M	116.66M	112.36M	106.85M	284.88M
Other Opex Insurance	-3.60M	-2.51M	-17.65M	0.50M	-24.65M
Total Opex Insurance	2.88B	2.28B	1.87B	1.60B	1.48B
Interest Expense	-4.17M	-5.09M	-3.24M	—	—
Other Non Operating Income (Expenses)	31.15M	-0.32M	-6.99M	22.18M	—
Policy Benefits	2.05B	1.56B	1.24B	1.02B	1.10B
Policy Cost	710.08M	606.82M	540.26M	469.01M	327.29M
Provision for Bad Debts	—	—	—	—	23.91M
Asset Writedown	33.92M	9.93M	26.08M	2.01M	13.11M
D&A For EBITDA	20.58M	19.45M	19.28M	20.54M	5.89M
Deferred Policy Acquisition Cost	—	—	—	—	150.38M
Profitability & Returns
EBIT	367.09M	307.44M	234.81M	266.09M	197.39M
EBIT Margin	+11.3%	+11.9%	+11.1%	+14.3%	+11.8%
EBITDA	387.67M	326.89M	254.09M	286.63M	203.29M
EBITDA Margin	+11.9%	+12.6%	+12.1%	+15.4%	+12.1%
EBT Excluding Unusual Items	394.06M	302.04M	224.59M	199.27M	197.39M
Pretax Income	427.93M	291.49M	258.36M	264.32M	206.94M
Opinc Insurance	367.09M	307.44M	234.81M	266.09M	197.39M
Operating Margin	+11.3%	+11.9%	+11.1%	+14.3%	+11.8%
Profit Margin	+11.2%	+10.3%	+12.2%	+13.9%	+12.3%
Net Income	362.99M	265.71M	256.87M	259.31M	206.39M
Net Income to Common	362.99M	265.71M	256.87M	259.31M	206.39M
Net Income Growth	+36.6%	+3.4%	-0.9%	+25.6%	+6.2%
Earnings From Continuing Ops.	364.88M	266.83M	257.39M	259.31M	206.13M
Minority Interest in Earnings	-1.89M	-1.12M	-0.52M	—	0.27M
Income Tax Expense	63.04M	24.66M	0.97M	5.01M	0.81M
Effective Tax Rate	+14.7%	+8.5%	+0.4%	+1.9%	+0.4%
Per Share & Capital
EPS (Basic)	0.79	0.58	0.56	0.56	0.45
EPS (Diluted)	0.79	0.58	0.56	0.56	0.45
EPS Growth	+36.6%	+3.4%	-0.9%	+25.6%	+6.2%
Dividend Per Share	—	0.20	0.20	0.20	0.20
Shares Outstanding (Basic)	461.87M	461.87M	461.87M	461.87M	461.87M
Shares Outstanding (Diluted)	461.87M	461.87M	461.87M	461.87M	461.87M
Free Cash Flow	703.88M	611.91M	252.43M	290.79M	39.89M
Free Cash Flow Margin	+21.7%	+23.6%	+12.0%	+15.6%	+2.4%
Free Cash Flow Per Share	1.52	1.33	0.55	0.63	0.09
Payout Ratio	+25.4%	+34.8%	+36.0%	+35.6%	+44.8%
Supplemental
Other Unusual Items	—	—	7.69M	—	—
Total Interest Dividend Income	234.00M	192.56M	147.11M	123.64M	121.91M