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

ADX:HAYAH Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	258	272	224	198	194	131
Market Cap Growth	-26.70%	21.43%	13.13%	2.06%	48.32%	-4.53%
Enterprise Value	218	252	207	186	182	110
PE Ratio	112.31	162.87	48.22	-	26.12	111.32
PS Ratio	1.66	1.98	2.19	2.12	2.60	3.20
PB Ratio	2.09	2.12	1.80	1.66	1.60	1.05
P/FCF Ratio	-	89.06	-	-	-	17.02
P/OCF Ratio	-	66.63	-	-	-	16.84
EV/Sales Ratio	1.41	1.84	2.03	2.00	2.44	2.69
EV/EBITDA Ratio	58.32	90.27	39.01	-	23.77	90.37
EV/EBIT Ratio	85.58	119.76	43.20	-	24.54	93.44
EV/FCF Ratio	-13.07	82.47	-	-	-	14.29
Net Debt / Equity Ratio	-0.32	-0.27	-0.07	-0.05	-0.10	-0.17
Net Debt / EBITDA Ratio	-11.61	-12.34	-1.59	1.17	-1.56	-17.21
Net Debt / FCF Ratio	2.37	-11.27	0.75	0.26	0.78	-2.72
Quick Ratio	1.00	0.81	1.27	0.88	664.63	1.36
Current Ratio	1.91	2.78	3.75	3.13	1510.44	1.78
Asset Turnover	0.61	0.57	0.52	0.49	0.41	0.23
Return on Equity (ROE)	1.92%	1.32%	3.81%	-4.73%	6.05%	0.94%
Return on Assets (ROA)	0.63%	0.55%	1.51%	-1.88%	2.52%	0.40%
Return on Invested Capital (ROIC)	1.89%	1.32%	3.81%	-4.73%	6.05%	0.94%
Earnings Yield	0.92%	0.61%	2.07%	-2.88%	3.83%	0.90%
FCF Yield	-6.48%	1.12%	-5.03%	-11.91%	-7.92%	5.88%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.