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

United Arab Emirates · Delayed Price · Currency is AED

0.5950

-0.0080 (-1.33%)

Oct 28, 2026, 2:57 PM GST

DFM:AMAN Financials Overview

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

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	31.39	25.71	68.32	66.03	6.58	134.77
Revenue Growth	-40.13%	-62.37%	3.47%	904.01%	-95.12%	-3.50%
Operating Income	9.03	-1.66	-24.72	24.06	-4.52	10.15
Net Income	18.82	8.13	-28.41	31.96	-10.16	12.29
Earnings Per Share	0.08	0.04	-0.13	0.14	-0.05	0.05
EPS Growth	-	-	-	-	-	-35.70%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Investments	2.95	3.67	-8.05	-3.04	0.97	6.3
Underwriting	0.83	0.46	-0.58	1.56	-	-
Total	3.78	4.13	-8.63	-1.47	0.97	136.92

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	225.04	169.86	133.04	56.75	76.16	88.04
Total Debt	13.58	13.9	43.26	33.73	-	15.23
Net Cash (Debt)	211.46	155.96	89.78	23.02	76.16	72.81
Net Cash Growth	101.22%	73.71%	290.00%	-69.77%	4.61%	277.02%
Net Cash Per Share	0.94	0.69	0.40	0.10	0.34	0.32

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	237.82	150.5	-141.11	-119.59	-8.33	38.2
Capital Expenditures	-0.02	-0.02	-0.03	-	-0.03	-0.09
Free Cash Flow	237.8	150.48	-141.14	-119.59	-8.36	38.11
Free Cash Flow Growth	-	-	-	-	-	-56.34%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	28.77%	-6.46%	-36.19%	36.43%	-68.68%	7.53%
Pretax Margin	34.66%	0.74%	-41.59%	48.40%	-153.93%	9.12%
Profit Margin	59.94%	31.61%	-41.59%	48.40%	-154.54%	9.12%
FCF Margin	757.46%	585.38%	-206.61%	-181.12%	-127.13%	28.28%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.14	9.42	-	3.07	-	20.20
P/FCF Ratio	0.57	0.51	-	-	-	6.52
PS Ratio	4.34	2.98	1.09	1.48	30.21	1.84