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

United Arab Emirates · Delayed Price · Currency is AED

1.320

-0.020 (-1.49%)

At close: Aug 13, 2026

ADX:HAYAH Financials Overview

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

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Revenue	155.12	137.26	102.15	93.26	74.66	40.85
Revenue Growth	41.86%	34.37%	9.54%	24.92%	82.78%	10.82%
Operating Income	2.55	2.1	4.8	-5.7	7.43	1.18
Net Income	2.38	1.67	4.65	-5.7	7.43	1.18
Earnings Per Share	0.01	0.01	0.02	-0.03	0.04	0.01
EPS Growth	13.16%	-64.05%	-	-	532.09%	-47.69%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Medical	56.53	43.2	20.26	14.9	10.24	1.85
Life	83.04	83.34	74.03	73.54	62	38.99
Investments	15.55	10.73	7.87	-	-	-
Total	155.12	137.26	102.15	93.26	74.66	40.85

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Cash (Debt)	39.52	34.43	8.45	6.15	11.98	20.91
Net Cash Growth	286.01%	307.53%	37.28%	-48.62%	-42.71%	-60.60%
Net Cash Per Share	0.20	0.17	0.04	0.03	0.06	0.10
Cash & Investments	39.52	34.43	8.45	6.15	11.98	20.91

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	-16.33	4.08	-10.48	-22.75	-14.57	7.77
Capital Expenditures	-0.38	-1.03	-0.79	-0.83	-0.81	-0.08
Free Cash Flow	-16.71	3.05	-11.27	-23.58	-15.38	7.69
Free Cash Flow Growth	-	-	-	-	-	9629.11%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Margin	1.65%	1.53%	4.69%	-6.11%	9.95%	2.88%
Pretax Margin	1.65%	1.53%	4.69%	-6.11%	9.95%	2.88%
Profit Margin	1.54%	1.22%	4.55%	-6.11%	9.95%	2.88%
FCF Margin	-10.77%	2.23%	-11.04%	-25.29%	-20.59%	18.82%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 13, 2026	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
PE Ratio	46.49	162.87	48.22	-	26.12	111.32
P/FCF Ratio	-	89.06	-	-	-	17.02
PS Ratio	1.48	1.98	2.19	2.12	2.60	3.20