HAYAH Insurance Company P.J.S.C. (ADX:HAYAH)

ADX:HAYAH Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	127.48	94.24	88.94	71.74	34.37
Total Interest & Dividend Income	7.45	5.34	4.14	4.54	3.59
Gain (Loss) on Sale of Investments	2.33	2.57	0.17	-1.62	1.65
Other Revenue	-	-	-	-	1.24
Total Revenue	137.26	102.15	93.26	74.66	40.85
Revenue Growth (YoY)	34.37%	9.54%	24.92%	82.78%	10.82%
Policy Benefits	119.99	88.53	96.44	65.03	23.19
Policy Acquisition & Underwriting Costs	-	-	-	-	3.5
Selling, General & Administrative	0.06	0.48	0.16	-	13.72
Provision for Bad Debts	-	-	-	-	-0.73
Other Operating Expenses	15.11	8.35	2.36	2.2	-
Total Operating Expenses	135.16	97.36	98.96	67.23	39.67
Operating Income	2.1	4.8	-5.7	7.43	1.18
EBT Excluding Unusual Items	2.1	4.8	-5.7	7.43	1.18
Pretax Income	2.1	4.8	-5.7	7.43	1.18
Income Tax Expense	0.43	0.15	-	-	-
Net Income	1.67	4.65	-5.7	7.43	1.18
Net Income to Common	1.67	4.65	-5.7	7.43	1.18
Net Income Growth	-64.05%	-	-	532.09%	-47.69%
Shares Outstanding (Basic)	200	200	200	200	200
Shares Outstanding (Diluted)	200	200	200	200	200
EPS (Basic)	0.01	0.02	-0.03	0.04	0.01
EPS (Diluted)	0.01	0.02	-0.03	0.04	0.01
EPS Growth	-64.05%	-	-	532.09%	-47.69%
Free Cash Flow	3.05	-11.27	-23.58	-15.38	7.69
Free Cash Flow Per Share	0.01	-0.06	-0.12	-0.08	0.04
Operating Margin	1.53%	4.69%	-6.11%	9.95%	2.88%
Profit Margin	1.22%	4.55%	-6.11%	9.95%	2.88%
Free Cash Flow Margin	2.23%	-11.04%	-25.29%	-20.59%	18.82%
EBITDA	2.79	5.31	-5.25	7.67	1.22
EBITDA Margin	2.03%	5.20%	-5.62%	10.27%	2.97%
D&A For EBITDA	0.69	0.52	0.45	0.24	0.04
EBIT	2.1	4.8	-5.7	7.43	1.18
EBIT Margin	1.53%	4.69%	-6.11%	9.95%	2.88%
Effective Tax Rate	20.59%	3.13%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.