Insurance House - P J S C 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	104.23	164.9	111.37	120.78	134.43
Total Interest & Dividend Income	-0.33	-1.48	-1.11	3.18	3.95
Gain (Loss) on Sale of Investments	-0.04	-0.05	0.84	2.27	1.1
Other Revenue	-	-	-	-	18.54
Total Revenue	103.85	163.37	111.1	126.23	158.03
Revenue Growth (YoY)	-36.43%	47.05%	-11.99%	-20.12%	-8.42%
Policy Benefits	100.2	182.52	153.7	152.17	66.64
Policy Acquisition & Underwriting Costs	-	-	-	-	26.25
Depreciation & Amortization	-	-	-	-	1.65
Selling, General & Administrative	-	-	-	-	14.63
Provision for Bad Debts	-	-	-	-	1.12
Other Operating Expenses	-1.25	0.53	-0.63	1.81	13.61
Total Operating Expenses	98.95	183.06	153.07	153.98	146.61
Operating Income	4.9	-19.69	-41.97	-27.75	11.42
Other Non Operating Income (Expenses)	-	-	-	-	-1.9
Pretax Income	4.9	-19.69	-41.97	-27.75	9.52
Income Tax Expense	0.09	-	-	-	-
Net Income	4.81	-19.69	-41.97	-27.75	9.52
Net Income to Common	4.81	-19.69	-41.97	-27.75	9.52
Net Income Growth	-	-	-	-	-12.55%
Shares Outstanding (Basic)	119	119	119	119	119
Shares Outstanding (Diluted)	119	119	119	119	119
EPS (Basic)	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.04	-0.17	-0.35	-0.23	0.08
EPS Growth	-	-	-	-	-12.55%
Free Cash Flow	81.93	-0.41	-99.27	-20.75	-21.74
Free Cash Flow Per Share	0.69	-0.00	-0.84	-0.17	-0.18
Operating Margin	4.72%	-12.05%	-37.78%	-21.99%	7.22%
Profit Margin	4.63%	-12.05%	-37.78%	-21.99%	6.02%
Free Cash Flow Margin	78.89%	-0.25%	-89.36%	-16.43%	-13.75%
EBITDA	7.67	-16.9	-40.39	-26.39	13.07
EBITDA Margin	7.38%	-10.35%	-36.36%	-20.91%	8.27%
D&A For EBITDA	2.77	2.79	1.58	1.36	1.65
EBIT	4.9	-19.69	-41.97	-27.75	11.42
EBIT Margin	4.72%	-12.05%	-37.78%	-21.99%	7.22%
Effective Tax Rate	1.85%	-	-	-	-

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