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

Insurance House - P J S C Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	138.86	104.23	164.9	111.37	120.78	134.43
Total Interest & Dividend Income	0.21	-0.33	-1.48	-1.11	3.18	3.95
Gain (Loss) on Sale of Investments	-0.04	-0.04	-0.05	0.84	2.27	1.1
Other Revenue	0.05	-	-	-	-	18.54
Total Revenue	139.08	103.85	163.37	111.1	126.23	158.03
Revenue Growth (YoY)	-9.76%	-36.43%	47.05%	-11.99%	-20.12%	-8.42%
Policy Benefits	129.21	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	-0.06	-1.25	0.53	-0.63	1.81	13.61
Total Operating Expenses	129.15	98.95	183.06	153.07	153.98	146.61
Operating Income	9.93	4.9	-19.69	-41.97	-27.75	11.42
Other Non Operating Income (Expenses)	-	-	-	-	-	-1.9
Pretax Income	9.93	4.9	-19.69	-41.97	-27.75	9.52
Income Tax Expense	0.14	0.09	-	-	-	-
Net Income	9.79	4.81	-19.69	-41.97	-27.75	9.52
Net Income to Common	9.79	4.81	-19.69	-41.97	-27.75	9.52
Net Income Growth	-	-	-	-	-	-12.55%
Shares Outstanding (Basic)	120	119	119	119	119	119
Shares Outstanding (Diluted)	120	119	119	119	119	119
Shares Change (YoY)	3.45%	-	-	-	-	-
EPS (Basic)	0.08	0.04	-0.17	-0.35	-0.23	0.08
EPS (Diluted)	0.08	0.04	-0.17	-0.35	-0.23	0.08
EPS Growth	-	-	-	-	-	-12.55%
Free Cash Flow	111.23	81.93	-0.41	-99.27	-20.75	-21.74
Free Cash Flow Per Share	0.93	0.69	-0.00	-0.84	-0.17	-0.18
Operating Margin	7.14%	4.72%	-12.05%	-37.78%	-21.99%	7.22%
Profit Margin	7.04%	4.63%	-12.05%	-37.78%	-21.99%	6.02%
Free Cash Flow Margin	79.98%	78.89%	-0.25%	-89.36%	-16.43%	-13.75%
EBITDA	12.7	7.67	-16.9	-40.39	-26.39	13.07
EBITDA Margin	9.13%	7.38%	-10.35%	-36.36%	-20.91%	8.27%
D&A For EBITDA	2.77	2.77	2.79	1.58	1.36	1.65
EBIT	9.93	4.9	-19.69	-41.97	-27.75	11.42
EBIT Margin	7.14%	4.72%	-12.05%	-37.78%	-21.99%	7.22%
Effective Tax Rate	1.43%	1.85%	-	-	-	-

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