Islamic Arab Insurance Co. (Salama) PJSC (DFM:SALAMA)

DFM:SALAMA Financials Overview

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

Revenue & Profits

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	947.48	1,047	1,082	1,180	944.45	722.68
Revenue Growth	-10.51%	-3.30%	-8.23%	24.90%	30.69%	-18.33%
Operating Income Operating Income Growth	24.51	13.86	30.1	-63.77	49.33	57.04
Net Income Net Income Growth	15.86	4.01	13.09	-158.39	18.9	40.05
Earnings Per Share EPS Growth	0.03	0.01	0.03	-0.31	0.04	0.08
EPS Growth	692.78%	-69.34%	-	-	-52.83%	-73.19%

Revenue by Segment

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Family Takaful Family Takaful Growth	220.18	222.59	225.72	257.42	203.83	289.39
General Takaful General Takaful Growth	757.92	782.4	820.65	853.59	720.3	401.03
Unallocated Investment and Other Income Unallocated Investment and Other Income Growth	173.92	207.31	185.82	289.19	-176.37	36.48
Unallocated Net Takaful Expenses Unallocated Net Takaful Expenses Growth	-114.28	-150.9	-116.57	-221.76	-	-
Total Total Growth	1,038	1,061	1,116	1,178	747.76	726.9

Cash & Debt

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	278.33	195.41	150.43	145.83	133.45	104.44
Total Debt Total Debt Growth	5.36	6.01	6.2	4.7	8.82	29.64
Net Cash (Debt) Net Cash Growth	272.97	189.41	144.22	141.14	124.62	74.8
Net Cash Growth	109.93%	31.33%	2.19%	13.25%	66.61%	-1.00%
Net Cash Per Share Net Cash Per Share Growth	0.57	0.39	0.30	0.27	0.26	0.15

Cash Flow & CapEx

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-163.94	-57.83	-77.39	102.36	-622.19	322.94
Capital Expenditures CapEx Growth	-2.11	-1.82	-3.36	-0.5	-1.99	-1.68
Free Cash Flow Free Cash Flow Growth	-166.04	-59.65	-80.75	101.86	-624.18	321.26
Free Cash Flow Growth	-	-	-	-	-	249.77%

Margins

Chart

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	2.59%	1.32%	2.78%	-5.41%	5.22%	7.89%
Pretax Margin	3.36%	1.60%	3.38%	-10.51%	4.68%	7.95%
Profit Margin	1.67%	0.38%	1.21%	-13.43%	2.00%	5.54%
FCF Margin	-17.52%	-5.70%	-7.46%	8.63%	-66.09%	44.45%

Dividends

Chart

Fiscal Year	FY 2021
Period Ending	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.049
Dividend Per Share Growth	-82.23%
Dividend Yield	2.71%

Valuation

Chart

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 7, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	30.33	92.18	29.25	-	33.40	22.58
Forward PE	-	11.83	11.83	11.83	11.83	11.83
P/FCF Ratio	-	-	-	4.98	-	2.82
PS Ratio	0.86	0.35	0.35	0.43	0.67	1.25

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 6, 2026

Data Sources Report a data error