ADX:HAYAH Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	127.48	94.24	88.94	71.74	34.37
Total Interest & Dividend Income	-	5.34	4.14	4.54	3.59
Gain (Loss) on Sale of Investments	-	2.57	0.17	-1.62	1.65
Other Revenue	7.85	-	-	-	1.24
Total Revenue	135.33	102.15	93.26	74.66	40.85
Revenue Growth (YoY)	32.48%	9.54%	24.92%	82.78%	10.82%
Policy Benefits	118.06	88.53	96.44	65.03	23.19
Policy Acquisition & Underwriting Costs	-	-	-	-	3.5
Selling, General & Administrative	-	0.48	0.16	-	13.72
Provision for Bad Debts	-	-	-	-	-0.73
Other Operating Expenses	15.17	8.35	2.36	2.2	-
Total Operating Expenses	133.23	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)	209	200	200	200	200
Shares Outstanding (Diluted)	209	200	200	200	200
Shares Change (YoY)	4.38%	-	-	-	-
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	-65.55%	-	-	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	1.55%	4.69%	-6.11%	9.95%	2.88%
Profit Margin	1.23%	4.55%	-6.11%	9.95%	2.88%
Free Cash Flow Margin	2.26%	-11.04%	-25.29%	-20.59%	18.82%
EBITDA	4.1	5.31	-5.25	7.67	1.22
EBITDA Margin	3.03%	5.20%	-5.62%	10.27%	2.97%
D&A For EBITDA	2	0.52	0.45	0.24	0.04
EBIT	2.1	4.8	-5.7	7.43	1.18
EBIT Margin	1.55%	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.