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	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
Net Income	9.79	4.81	-19.69	-41.97	-27.75	9.52
Depreciation & Amortization	2.77	2.77	2.79	1.58	1.36	1.65
Gain (Loss) on Sale of Investments	0.02	0.04	0.05	-0.98	-2.25	-1.1
Change in Accounts Receivable	-	-	-	-	-	-28.17
Reinsurance Recoverable	-54.83	-28.78	-26.93	5.43	-48.59	-35.06
Change in Insurance Reserves / Liabilities	157.63	106.18	15.97	-27.94	63.86	37.2
Change in Other Net Operating Assets	-1.33	-1.17	29.34	-31.03	-2.78	-0.09
Other Operating Activities	-2.68	-1.79	-1.5	-3.62	-3.48	-5.26
Operating Cash Flow	111.36	82.07	0.02	-98.53	-19.63	-20.17
Operating Cash Flow Growth	-	447977.22%	-	-	-	-
Capital Expenditures	-0.13	-0.14	-0.43	-0.75	-1.11	-1.56
Sale of Property, Plant & Equipment	-	-	-	34.6	-	-
Investment in Securities	-3.82	2.43	1.47	52.21	10.77	6.01
Other Investing Activities	2.07	1.54	1.74	2.94	3.8	3.94
Investing Cash Flow	-1.88	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	-1.24	-5.99
Other Financing Activities	-	-	-	-0.39	-0.86	-
Financing Cash Flow	-1.24	-1.24	-1.24	-1.63	-6.75	-5.99
Miscellaneous Cash Flow Adjustments	-	-	-	7	-	-
Net Cash Flow	108.25	84.66	1.57	-4.15	-12.93	-17.77
Free Cash Flow	111.23	81.93	-0.41	-99.27	-20.75	-21.74
Free Cash Flow Margin	79.98%	78.89%	-0.25%	-89.36%	-16.43%	-13.75%
Free Cash Flow Per Share	0.93	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	101.47	76.24	18.38	-53.54	12.48	-26.11

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