Arabia Insurance Company - Jordan (ASE:AICJ)

ASE:AICJ Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	32.24	33.83	33.72	24.68	13.12	12.77
Total Interest & Dividend Income	0.55	0.79	0.51	0.59	0.45	0.45
Gain (Loss) on Sale of Investments	1.81	0.63	0.46	0.79	0.61	-0.05
Other Revenue	0.18	0.18	0.04	0.01	1.52	0.92
Total Revenue	34.79	35.43	34.73	26.08	15.7	14.09
Revenue Growth (YoY)	12.22%	2.03%	33.15%	66.15%	11.39%	-12.84%
Policy Benefits	36.94	35.22	33.36	25.51	12.34	9.45
Policy Acquisition & Underwriting Costs	-1.26	-	-	-	1.74	1.62
Depreciation & Amortization	0.01	-	-	-	0.11	0.13
Selling, General & Administrative	0.19	0.19	0.2	0.69	0.66	0.62
Provision for Bad Debts	0.03	0.01	0.04	0.09	-0.2	-0.23
Other Operating Expenses	-1.66	-	-	-	-	-
Total Operating Expenses	34.25	35.43	33.6	26.29	16.31	13.24
Operating Income	0.54	0	1.12	-0.21	-0.61	0.85
EBT Excluding Unusual Items	0.54	0	1.12	-0.21	-0.61	0.85
Pretax Income	0.54	0	1.12	-0.21	-0.61	0.85
Income Tax Expense	0.13	0.06	0.29	-0.02	-0.18	0.23
Net Income	0.42	-0.05	0.83	-0.19	-0.43	0.62
Net Income to Common	0.42	-0.05	0.83	-0.19	-0.43	0.62
Net Income Growth	-	-	-	-	-	72.49%
Shares Outstanding (Basic)	8	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8	8
EPS (Basic)	0.05	-0.01	0.10	-0.02	-0.05	0.08
EPS (Diluted)	0.05	-0.01	0.10	-0.02	-0.05	0.08
EPS Growth	-	-	-	-	-	72.50%
Free Cash Flow	2.05	0.74	1.6	1.55	-1.35	1.65
Free Cash Flow Per Share	0.25	0.09	0.20	0.19	-0.17	0.21
Operating Margin	1.56%	0.01%	3.24%	-0.82%	-3.89%	6.06%
Profit Margin	1.20%	-0.15%	2.40%	-0.74%	-2.73%	4.42%
Free Cash Flow Margin	5.89%	2.10%	4.60%	5.95%	-8.62%	11.68%
EBITDA	0.64	0.11	1.25	-0.08	-0.46	1.02
EBITDA Margin	1.85%	0.30%	3.61%	-0.29%	-2.95%	7.26%
D&A For EBITDA	0.1	0.1	0.13	0.14	0.15	0.17
EBIT	0.54	0	1.12	-0.21	-0.61	0.85
EBIT Margin	1.56%	0.01%	3.24%	-0.82%	-3.89%	6.06%
Effective Tax Rate	23.19%	1750.17%	26.03%	-	-	27.13%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.