ADX:FIDELITYUNITED Income Statement

Financials in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	289.4	282.22	254.85	193.06	210.65	149.6
Total Interest & Dividend Income	15.09	20	15.82	12.16	6.85	5.51
Gain (Loss) on Sale of Investments	-2.99	-3.35	-0.04	13.35	10.37	2.98
Other Revenue	-	-	-	-	16.86	11.22
Total Revenue	301.51	298.87	270.63	218.57	244.73	169.31
Revenue Growth (YoY)	-10.04%	10.43%	23.82%	-10.69%	44.54%	68.11%
Policy Benefits	373.67	370.82	287.48	215.83	113.3	77.24
Policy Acquisition & Underwriting Costs	-4.64	-	-	-	74.35	45.74
Selling, General & Administrative	-	-	-	-	45.75	39.21
Other Operating Expenses	-13.71	-0.22	0.44	-0.93	0.28	0.47
Total Operating Expenses	355.33	370.6	287.92	214.9	233.69	162.66
Operating Income	-53.82	-71.73	-17.29	3.66	11.04	6.65
EBT Excluding Unusual Items	-53.82	-71.73	-17.29	3.66	11.04	6.65
Asset Writedown	-0.09	-0.09	-0.14	-0.02	-3	-3.03
Pretax Income	-53.91	-71.82	-17.43	3.65	8.04	3.62
Income Tax Expense	-5.2	-7.41	-	-	-	-
Net Income	-48.71	-64.4	-17.43	3.65	8.04	3.62
Net Income to Common	-48.71	-64.4	-17.43	3.65	8.04	3.62
Net Income Growth	-	-	-	-54.61%	121.92%	156.54%
Shares Outstanding (Basic)	160	160	160	123	100	100
Shares Outstanding (Diluted)	160	160	160	123	100	100
Shares Change (YoY)	-	-	30.00%	22.50%	0.47%	-
EPS (Basic)	-0.30	-0.40	-0.11	0.03	0.08	0.04
EPS (Diluted)	-0.30	-0.40	-0.11	0.03	0.08	0.04
EPS Growth	-	-	-	-62.94%	120.87%	156.55%
Free Cash Flow	-43.29	-100.04	32	-10.38	11.28	67.96
Free Cash Flow Per Share	-0.27	-0.63	0.20	-0.08	0.11	0.68
Operating Margin	-17.85%	-24.00%	-6.39%	1.68%	4.51%	3.93%
Profit Margin	-16.15%	-21.55%	-6.44%	1.67%	3.28%	2.14%
Free Cash Flow Margin	-14.36%	-33.47%	11.82%	-4.75%	4.61%	40.14%
EBITDA	-52.66	-70.53	-16.01	4.79	12.1	7.68
EBITDA Margin	-17.46%	-23.60%	-5.92%	2.19%	4.94%	4.54%
D&A For EBITDA	1.16	1.2	1.28	1.12	1.06	1.03
EBIT	-53.82	-71.73	-17.29	3.66	11.04	6.65
EBIT Margin	-17.85%	-24.00%	-6.39%	1.68%	4.51%	3.93%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.