Islamic Arab Insurance Co. (Salama) PJSC (DFM:SALAMA)
United Arab Emirates · Delayed Price · Currency is AED 0.4030
-0.0010 (-0.25%)
At close: Nov 14, 2025
DFM:SALAMA 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 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
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 | 2015 - 2019 |
Premiums & Annuity Revenue | 1,012 | 1,046 | 1,111 | 924.14 | 651.97 | 707.09 | Upgrade |
Total Interest & Dividend Income | -55.86 | -52.49 | -169.29 | 253.1 | 42.6 | 44.2 | Upgrade |
Gain (Loss) on Sale of Investments | 106.39 | 106.39 | 236.05 | -234.51 | -30.36 | 70.16 | Upgrade |
Other Revenue | -13.43 | 2.14 | 1.81 | 1.72 | 58.47 | 62.86 | Upgrade |
| 1,049 | 1,102 | 1,180 | 944.45 | 722.68 | 884.92 | Upgrade | |
Revenue Growth (YoY) | -9.82% | -6.54% | 24.90% | 30.69% | -18.33% | 2.75% | Upgrade |
Policy Benefits | 827.27 | 821.17 | 1,067 | 843.02 | 223.73 | 250.94 | Upgrade |
Policy Acquisition & Underwriting Costs | - | - | - | - | 305.31 | 330.68 | Upgrade |
Amortization of Goodwill & Intangibles | - | - | - | - | 0.85 | 0.88 | Upgrade |
Depreciation & Amortization | 2.14 | 2.14 | 1.42 | 0.89 | 6.53 | 7.15 | Upgrade |
Selling, General & Administrative | 5.98 | 5.98 | 8.72 | 5.66 | 41.63 | 25.72 | Upgrade |
Provision for Bad Debts | -31.51 | 2.9 | 83.29 | - | 0.05 | 6.44 | Upgrade |
Other Operating Expenses | 189.42 | 188.69 | 59.54 | 26.24 | 21.5 | 16.9 | Upgrade |
Total Operating Expenses | 1,022 | 1,049 | 1,243 | 895.12 | 665.65 | 709.03 | Upgrade |
Operating Income | 27.84 | 53.32 | -63.77 | 49.33 | 57.04 | 175.89 | Upgrade |
Interest Expense | -19.94 | -19.94 | -14.85 | -14.25 | -3.35 | -3.05 | Upgrade |
Currency Exchange Gain (Loss) | - | - | - | - | -0.44 | -0.12 | Upgrade |
Other Non Operating Income (Expenses) | -3.28 | -3.28 | - | - | - | - | Upgrade |
EBT Excluding Unusual Items | 4.62 | 30.1 | -78.62 | 35.08 | 53.25 | 172.72 | Upgrade |
Impairment of Goodwill | - | - | -49.01 | - | - | - | Upgrade |
Gain (Loss) on Sale of Assets | 2.02 | 2.02 | - | - | - | - | Upgrade |
Asset Writedown | 4.5 | 4.5 | 3.6 | 9.17 | 4.22 | -3.48 | Upgrade |
Pretax Income | 11.14 | 36.62 | -124.03 | 44.25 | 57.47 | 169.24 | Upgrade |
Income Tax Expense | 5.89 | 12.03 | 15.3 | 8.81 | 9.3 | 12.34 | Upgrade |
Earnings From Continuing Ops. | 5.24 | 24.59 | -139.33 | 35.44 | 48.17 | 156.9 | Upgrade |
Earnings From Discontinued Ops. | - | - | - | - | - | 0.15 | Upgrade |
Net Income to Company | 5.24 | 24.59 | -139.33 | 35.44 | 48.17 | 157.05 | Upgrade |
Minority Interest in Earnings | -4.53 | -11.5 | -19.06 | -16.54 | -8.12 | -7.68 | Upgrade |
Net Income | 0.71 | 13.09 | -158.39 | 18.9 | 40.05 | 149.37 | Upgrade |
Net Income to Common | 0.71 | 13.09 | -158.39 | 18.9 | 40.05 | 149.37 | Upgrade |
Net Income Growth | - | - | - | -52.83% | -73.19% | 171.39% | Upgrade |
Shares Outstanding (Basic) | 945 | 923 | 982 | 923 | 923 | 923 | Upgrade |
Shares Outstanding (Diluted) | 945 | 923 | 982 | 923 | 923 | 923 | Upgrade |
Shares Change (YoY) | 4.42% | -6.07% | 6.46% | - | - | - | Upgrade |
EPS (Basic) | 0.00 | 0.01 | -0.16 | 0.02 | 0.04 | 0.16 | Upgrade |
EPS (Diluted) | 0.00 | 0.01 | -0.16 | 0.02 | 0.04 | 0.16 | Upgrade |
EPS Growth | - | - | - | -52.83% | -73.19% | 171.39% | Upgrade |
Free Cash Flow | -169.6 | -80.99 | 101.86 | -624.18 | 321.26 | 91.85 | Upgrade |
Free Cash Flow Per Share | -0.18 | -0.09 | 0.10 | -0.68 | 0.35 | 0.10 | Upgrade |
Dividend Per Share | - | - | - | - | 0.026 | 0.145 | Upgrade |
Dividend Growth | - | - | - | - | -82.19% | - | Upgrade |
Operating Margin | 2.65% | 4.84% | -5.41% | 5.22% | 7.89% | 19.88% | Upgrade |
Profit Margin | 0.07% | 1.19% | -13.43% | 2.00% | 5.54% | 16.88% | Upgrade |
Free Cash Flow Margin | -16.16% | -7.35% | 8.63% | -66.09% | 44.45% | 10.38% | Upgrade |
EBITDA | 31.21 | 56.39 | -61.02 | 52.57 | 59.97 | 179.33 | Upgrade |
EBITDA Margin | 2.97% | 5.12% | -5.17% | 5.57% | 8.30% | 20.27% | Upgrade |
D&A For EBITDA | 3.37 | 3.07 | 2.76 | 3.25 | 2.94 | 3.44 | Upgrade |
EBIT | 27.84 | 53.32 | -63.77 | 49.33 | 57.04 | 175.89 | Upgrade |
EBIT Margin | 2.65% | 4.84% | -5.41% | 5.22% | 7.89% | 19.88% | Upgrade |
Effective Tax Rate | 52.91% | 32.85% | - | 19.91% | 16.18% | 7.29% | Upgrade |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.