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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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%	-	-	-	-

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