Islamic Arab Insurance Co. (Salama) PJSC (DFM:SALAMA)
United Arab Emirates · Delayed Price · Currency is AED 1.220
-0.030 (-2.40%)
At close: Aug 27, 2026
DFM:SALAMA Financials Overview
Financials in millions AED. Fiscal year is January - December.
Millions AED. Fiscal year is Jan - Dec.
| 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 Revenue Growth | 1,006 | 1,047 | 1,082 | 1,180 | 944.45 | 722.68 |
Revenue Growth | -5.55% | -3.30% | -8.23% | 24.90% | 30.69% | -18.33% |
Operating Income Operating Income Growth | 35.79 | 13.86 | 30.1 | -63.77 | 49.33 | 57.04 |
Net Income Net Income Growth | 25.09 | 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 | 85.13% | -69.34% | - | - | -52.83% | -73.19% |
| 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 |
Family Takaful Family Takaful Growth | 214.96 | 222.59 | 225.72 | 257.42 | 203.83 | 289.39 |
General Takaful General Takaful Growth | 744.42 | 782.4 | 820.65 | 853.59 | 720.3 | 401.03 |
Unallocated Investment and Other Income Unallocated Investment and Other Income Growth | 265.53 | 207.31 | 185.82 | 289.19 | -176.37 | 36.48 |
Unallocated Net Takaful Expenses Unallocated Net Takaful Expenses Growth | -204.63 | -150.9 | -116.57 | -221.76 | - | - |
Total Total Growth | 1,020 | 1,061 | 1,116 | 1,178 | 747.76 | 726.9 |
| 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 Cash & Investments Growth | 161.58 | 195.41 | 150.43 | 145.83 | 133.45 | 104.44 |
Total Debt Total Debt Growth | 4.98 | 6.01 | 6.2 | 4.7 | 8.82 | 29.64 |
Net Cash (Debt) Net Cash Growth | 156.61 | 189.41 | 144.22 | 141.14 | 124.62 | 74.8 |
Net Cash Growth | -10.29% | 31.33% | 2.19% | 13.25% | 66.61% | -1.00% |
Net Cash Per Share Net Cash Per Share Growth | 0.19 | 0.39 | 0.30 | 0.27 | 0.26 | 0.15 |
| 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 Operating Cash Flow Growth | -108.98 | -57.83 | -77.39 | 102.36 | -622.19 | 322.94 |
Capital Expenditures CapEx Growth | -4.32 | -1.82 | -3.36 | -0.5 | -1.99 | -1.68 |
Free Cash Flow Free Cash Flow Growth | -113.3 | -59.65 | -80.75 | 101.86 | -624.18 | 321.26 |
Free Cash Flow Growth | - | - | - | - | - | 249.77% |
| 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 | 3.56% | 1.32% | 2.78% | -5.41% | 5.22% | 7.89% |
Pretax Margin | 3.76% | 1.60% | 3.38% | -10.51% | 4.68% | 7.95% |
Profit Margin | 2.49% | 0.38% | 1.21% | -13.43% | 2.00% | 5.54% |
FCF Margin | -11.26% | -5.70% | -7.46% | 8.63% | -66.09% | 44.45% |
| Fiscal Year | FY 2021 |
|---|---|
| Period Ending | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.049 |
Dividend Per Share Growth | -82.23% |
Dividend Yield | 2.71% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 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 | 39.87 | 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 | 0.99 | 0.35 | 0.35 | 0.43 | 0.67 | 1.25 |