DFM:DIN Income Statement

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	1,281	1,187	854.03	385.33	258.37	122.13
Total Interest & Dividend Income	100.99	71.64	50.4	27.73	18.69	18.63
Gain (Loss) on Sale of Investments	-	-	-0.85	-0	0.14	0.15
Other Revenue	-	-	-	-	97.95	73.34
Total Revenue	1,382	1,258	903.59	413.06	375.15	214.25
Revenue Growth (YoY)	17.61%	39.24%	118.75%	10.11%	75.10%	-9.80%
Policy Benefits	1,148	1,078	730.96	309.81	54.4	36.78
Policy Acquisition & Underwriting Costs	-	-	-	-	61.83	47.58
Selling, General & Administrative	1.38	1.38	0.64	1	51.28	49.66
Other Operating Expenses	28.97	26.19	18.93	12.22	127.07	25.28
Total Operating Expenses	1,178	1,106	750.54	323.02	294.57	159.3
Operating Income	204.06	152.3	153.05	90.04	80.57	54.95
Interest Expense	-21.05	-10.35	-11.16	-	-	-
Other Non Operating Income (Expenses)	0.18	-	-	-	-	0.06
Pretax Income	183.2	141.95	141.89	90.04	80.57	55.01
Income Tax Expense	15.84	9.65	-	-	-	-
Net Income	167.36	132.3	141.89	90.04	80.57	55.01
Preferred Dividends & Other Adjustments	-	-	4.51	5.21	3.81	4.41
Net Income to Common	167.36	132.3	137.38	84.83	76.76	50.59
Net Income Growth	23.87%	-6.76%	57.59%	11.75%	46.48%	-27.28%
Shares Outstanding (Basic)	100	100	100	100	100	100
Shares Outstanding (Diluted)	100	100	100	100	100	100
EPS (Basic)	1.67	1.32	1.37	0.85	0.77	0.51
EPS (Diluted)	1.67	1.32	1.37	0.85	0.77	0.51
EPS Growth	28.15%	-3.69%	61.95%	10.51%	51.72%	-30.15%
Free Cash Flow	642.71	276.02	415.11	294.76	131.42	46.57
Free Cash Flow Per Share	6.43	2.76	4.15	2.95	1.31	0.47
Dividend Per Share	0.800	0.800	0.700	0.500	0.400	0.350
Dividend Growth	14.29%	14.29%	40.00%	25.00%	14.29%	-
Operating Margin	14.77%	12.11%	16.94%	21.80%	21.48%	25.65%
Profit Margin	12.11%	10.52%	15.20%	20.54%	20.46%	23.61%
Free Cash Flow Margin	46.51%	21.94%	45.94%	71.36%	35.03%	21.74%
EBITDA	210.92	158.18	157.06	92.82	82.48	56.45
EBITDA Margin	15.26%	12.57%	17.38%	22.47%	21.98%	26.35%
D&A For EBITDA	6.85	5.88	4.01	2.78	1.9	1.51
EBIT	204.06	152.3	153.05	90.04	80.57	54.95
EBIT Margin	14.77%	12.11%	16.94%	21.80%	21.48%	25.65%
Effective Tax Rate	8.64%	6.80%	-	-	-	-

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