Dubai Islamic Insurance & Reinsurance Co. (Aman) (P.J.S.C) (DFM:AMAN)

DFM:AMAN Income Statement

Financials in millions AED. 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	50.17	61.4	107.75	-	112.15	110.57
Total Interest & Dividend Income	9.66	1.85	-0.45	1.72	11.8	3.38
Gain (Loss) on Sale of Investments	-7.18	-7.18	-11	4.86	-6.6	7.45
Other Revenue	-14.21	12.24	-30.27	-	17.42	18.26
Total Revenue	38.45	68.32	66.03	6.58	134.77	139.66
Revenue Growth (YoY)	-41.60%	3.47%	904.01%	-95.12%	-3.50%	24.73%
Policy Benefits	35.41	72.67	76.57	-	71.09	54.12
Policy Acquisition & Underwriting Costs	1.49	3.43	12.52	28.61	24.6	25.09
Selling, General & Administrative	21.54	14.79	15.06	27.22	29.56	34.82
Other Operating Expenses	5.86	2.14	-62.19	-44.74	-0.63	3.06
Total Operating Expenses	64.3	93.04	41.97	11.09	124.62	117.08
Operating Income	-25.85	-24.72	24.06	-4.52	10.15	22.57
EBT Excluding Unusual Items	-25.85	-24.72	24.06	-4.52	10.15	22.57
Asset Writedown	-3.69	-3.69	7.9	-5.61	2.15	-3.44
Pretax Income	-29.54	-28.41	31.96	-10.12	12.3	19.14
Earnings From Continuing Ops.	-29.54	-28.41	31.96	-10.12	12.3	19.14
Earnings From Discontinued Ops.	-	-	-	-0.04	-0.01	-0.02
Net Income to Company	-29.54	-28.41	31.96	-10.16	12.29	19.11
Minority Interest in Earnings	-	-	-	-0	0	0
Net Income	-29.54	-28.41	31.96	-10.16	12.29	19.12
Net Income to Common	-29.54	-28.41	31.96	-10.16	12.29	19.12
Net Income Growth	-	-	-	-	-35.70%	118.00%
Shares Outstanding (Basic)	226	226	226	226	226	226
Shares Outstanding (Diluted)	226	226	226	226	226	226
EPS (Basic)	-0.13	-0.13	0.14	-0.05	0.05	0.08
EPS (Diluted)	-0.13	-0.13	0.14	-0.05	0.05	0.08
EPS Growth	-	-	-	-	-35.70%	118.00%
Free Cash Flow	-160.88	-141.14	-119.59	-8.36	38.11	87.3
Free Cash Flow Per Share	-0.71	-0.63	-0.53	-0.04	0.17	0.39
Operating Margin	-67.24%	-36.19%	36.43%	-68.68%	7.53%	16.16%
Profit Margin	-76.84%	-41.59%	48.40%	-154.54%	9.12%	13.69%
Free Cash Flow Margin	-418.46%	-206.61%	-181.12%	-127.13%	28.28%	62.51%
EBITDA	-25.8	-24.68	24.14	-4.4	10.29	22.75
EBITDA Margin	-67.12%	-36.13%	36.55%	-66.85%	7.63%	16.29%
D&A For EBITDA	0.05	0.04	0.08	0.12	0.14	0.17
EBIT	-25.85	-24.72	24.06	-4.52	10.15	22.57
EBIT Margin	-67.24%	-36.19%	36.43%	-68.68%	7.53%	16.16%
Revenue as Reported	-	-	-	76.29	-	-

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