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

ADX:HAYAH Statistics

Total Valuation

ADX:HAYAH has a market cap or net worth of AED 258.00 million. The enterprise value is 218.48 million.

Market Cap	258.00M
Enterprise Value	218.48M

Important Dates

The next estimated earnings date is Thursday, August 13, 2026.

Earnings Date	Aug 13, 2026
Ex-Dividend Date	n/a

Share Statistics

ADX:HAYAH has 200.00 million shares outstanding. The number of shares has increased by 3.69% in one year.

Current Share Class	200.00M
Shares Outstanding	200.00M
Shares Change (YoY)	+3.69%
Shares Change (QoQ)	+3.92%
Owned by Insiders (%)	17.96%
Owned by Institutions (%)	n/a
Float	65.03M

Valuation Ratios

The trailing PE ratio is 112.31.

PE Ratio	112.31
Forward PE	n/a
PS Ratio	1.66
PB Ratio	2.09
P/TBV Ratio	2.31
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 58.32, with an EV/FCF ratio of -13.07.

EV / Earnings	91.72
EV / Sales	1.41
EV / EBITDA	58.32
EV / EBIT	85.58
EV / FCF	-13.07

Financial Position

The company has a current ratio of 1.91

Current Ratio	1.91
Quick Ratio	1.00
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.91% and return on invested capital (ROIC) is 1.89%.

Return on Equity (ROE)	1.91%
Return on Assets (ROA)	0.63%
Return on Invested Capital (ROIC)	1.89%
Return on Capital Employed (ROCE)	1.28%
Weighted Average Cost of Capital (WACC)	2.17%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.61
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:HAYAH has paid 171,000 in taxes.

Income Tax	171,000
Effective Tax Rate	6.70%

Stock Price Statistics

The stock price has decreased by -26.70% in the last 52 weeks. The beta is -0.38, so ADX:HAYAH's price volatility has been lower than the market average.

Beta (5Y)	-0.38
52-Week Price Change	-26.70%
50-Day Moving Average	1.27
200-Day Moving Average	1.48
Relative Strength Index (RSI)	57.36
Average Volume (20 Days)	34,626

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ADX:HAYAH had revenue of AED 155.12 million and earned 2.38 million in profits. Earnings per share was 0.01.

Revenue	155.12M
Gross Profit	20.09M
Operating Income	2.55M
Pretax Income	2.55M
Net Income	2.38M
EBITDA	3.40M
EBIT	2.55M
Earnings Per Share (EPS)	0.01

Balance Sheet

The company has 65.55 million in cash and n/a in debt, with a net cash position of 39.52 million or 0.20 per share.

Cash & Cash Equivalents	65.55M
Total Debt	n/a
Net Cash	39.52M
Net Cash Per Share	0.20
Equity (Book Value)	123.53M
Book Value Per Share	0.59
Working Capital	70.50M

Cash Flow

In the last 12 months, operating cash flow was -16.33 million and capital expenditures -379,000, giving a free cash flow of -16.71 million.

Operating Cash Flow	-16.33M
Capital Expenditures	-379,000
Depreciation & Amortization	n/a
Net Borrowing	121,000
Free Cash Flow	-16.71M
FCF Per Share	-0.08

Margins

Gross margin is 12.95%, with operating and profit margins of 1.65% and 1.54%.

Gross Margin	12.95%
Operating Margin	1.65%
Pretax Margin	1.65%
Profit Margin	1.54%
EBITDA Margin	2.19%
EBIT Margin	1.65%
FCF Margin	n/a

Dividends & Yields

ADX:HAYAH does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-3.69%
Shareholder Yield	-3.69%
Earnings Yield	0.92%
FCF Yield	-6.48%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3