Insurance House - P J S C (ADX:IH)

United Arab Emirates · Delayed Price · Currency is AED

1.260

-0.060 (-4.55%)

At close: Nov 2, 2026

Insurance House - P J S C 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	Jun '26 Jun 30, 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	175.88	103.85	163.37	111.1	126.23	158.03
Revenue Growth	29.05%	-36.43%	47.05%	-11.99%	-20.12%	-8.42%
Operating Income	10.84	4.9	-19.69	-41.97	-27.75	11.42
Net Income	10.67	4.81	-19.69	-41.97	-27.75	9.52
Earnings Per Share	0.09	0.04	-0.17	-0.35	-0.23	0.08
EPS Growth	-	-	-	-	-	-12.55%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Underwriting	503.91	403.99	297.66	242.95	249.97	207.31
Investment	3.22	1.51	1.69	3.78	6.07	5.05
Total	507.13	405.49	299.35	246.73	256.05	212.37

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	136.79	124.01	39.35	37.78	41.93	54.86
Total Debt	-	-	-	-	-	-
Net Cash (Debt)	136.79	124.01	39.35	37.78	41.93	54.86
Net Cash Growth	139.35%	215.18%	4.14%	-9.90%	-23.56%	-24.47%
Net Cash Per Share	1.18	1.04	0.33	0.32	0.35	0.46

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	95.2	82.07	0.02	-98.53	-19.63	-20.17
Capital Expenditures	-0.11	-0.14	-0.43	-0.75	-1.11	-1.56
Free Cash Flow	95.09	81.93	-0.41	-99.27	-20.75	-21.74
Free Cash Flow Growth	450.51%	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	6.17%	4.72%	-12.05%	-37.78%	-21.99%	7.22%
Pretax Margin	6.16%	4.72%	-12.05%	-37.78%	-21.99%	6.02%
Profit Margin	6.07%	4.63%	-12.05%	-37.78%	-21.99%	6.02%
FCF Margin	54.07%	78.89%	-0.25%	-89.36%	-16.43%	-13.75%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
Dividend Per Share	0.040	-	-	-	-	-
Dividend Per Share Growth	-	-	-	-	-	-
Dividend Yield	3.17%	-	-	-	-	-

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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	13.72	13.34	-	-	-	11.33
P/FCF Ratio	1.57	0.78	-	-	-	-
PS Ratio	0.85	0.62	0.66	0.92	0.70	0.68