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

Insurance House - P J S C Cash Flow 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
Net Income	4.81	-19.69	-41.97	-27.75	9.52
Depreciation & Amortization	2.77	2.79	1.58	1.36	1.65
Gain (Loss) on Sale of Investments	0.04	0.05	-0.98	-2.25	-1.1
Change in Accounts Receivable	-	-	-	-	-28.17
Reinsurance Recoverable	-28.78	-26.93	5.43	-48.59	-35.06
Change in Insurance Reserves / Liabilities	106.18	15.97	-27.94	63.86	37.2
Change in Other Net Operating Assets	-1.17	29.34	-31.03	-2.78	-0.09
Other Operating Activities	-1.79	-1.5	-3.62	-3.48	-5.26
Operating Cash Flow	82.07	0.02	-98.53	-19.63	-20.17
Operating Cash Flow Growth	447977.22%	-	-	-	-
Capital Expenditures	-0.14	-0.43	-0.75	-1.11	-1.56
Sale of Property, Plant & Equipment	-	-	34.6	-	-
Investment in Securities	2.43	1.47	52.21	10.77	6.01
Other Investing Activities	1.54	1.74	2.94	3.8	3.94
Investing Cash Flow	3.83	2.78	89	13.46	8.39
Repurchases of Common Stock	-	-	-	-4.66	-
Common Dividends Paid	-1.24	-1.24	-1.24	-1.24	-5.99
Other Financing Activities	-	-	-0.39	-0.86	-
Financing Cash Flow	-1.24	-1.24	-1.63	-6.75	-5.99
Miscellaneous Cash Flow Adjustments	-	-	7	-	-
Net Cash Flow	84.66	1.57	-4.15	-12.93	-17.77
Free Cash Flow	81.93	-0.41	-99.27	-20.75	-21.74
Free Cash Flow Margin	78.89%	-0.25%	-89.36%	-16.43%	-13.75%
Free Cash Flow Per Share	0.69	-0.00	-0.84	-0.17	-0.18
Levered Free Cash Flow	-17.62	-3.36	-36.56	-189.93	14.82
Unlevered Free Cash Flow	-17.62	-3.36	-36.56	-189.93	14.82
Change in Working Capital	76.24	18.38	-53.54	12.48	-26.11

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