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 Income Statement
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 |
Premiums & Annuity Revenue | 959.37 | 1,005 | 1,046 | 1,111 | 924.14 | 651.97 |
Total Interest & Dividend Income | -153.77 | -107.26 | -72.43 | -169.29 | 253.1 | 42.6 |
Gain (Loss) on Sale of Investments | 196.66 | 145.86 | 106.39 | 236.05 | -234.51 | -30.36 |
Other Revenue | 3.76 | 3.16 | 2.14 | 1.81 | 1.72 | 58.47 |
| 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% |
Policy Benefits | 693.09 | 768.89 | 821.17 | 1,067 | 843.02 | 223.73 |
Policy Acquisition & Underwriting Costs | 235.73 | 235.73 | 199.59 | - | - | 305.31 |
Amortization of Goodwill & Intangibles | - | - | - | - | - | 0.85 |
Depreciation & Amortization | 1.87 | 1.87 | 2.14 | 1.42 | 0.89 | 6.53 |
Selling, General & Administrative | 5.19 | 5.19 | 5.98 | 8.72 | 5.66 | 41.63 |
Provision for Bad Debts | -8.49 | -28.76 | 6.18 | 83.29 | - | 0.05 |
Other Operating Expenses | 14.09 | 21.2 | -10.9 | 59.54 | 26.24 | 21.5 |
Total Operating Expenses | 970.23 | 1,033 | 1,052 | 1,243 | 895.12 | 665.65 |
Operating Income | 35.79 | 13.86 | 30.1 | -63.77 | 49.33 | 57.04 |
Interest Expense | - | - | - | -14.85 | -14.25 | -3.35 |
Currency Exchange Gain (Loss) | - | - | - | - | - | -0.44 |
EBT Excluding Unusual Items | 35.79 | 13.86 | 30.1 | -78.62 | 35.08 | 53.25 |
Impairment of Goodwill | - | - | - | -49.01 | - | - |
Gain (Loss) on Sale of Assets | - | - | 2.02 | - | - | - |
Asset Writedown | 2.03 | 2.93 | 4.5 | 3.6 | 9.17 | 4.22 |
Pretax Income | 37.82 | 16.78 | 36.62 | -124.03 | 44.25 | 57.47 |
Income Tax Expense | 6.6 | 5.58 | 12.03 | 15.3 | 8.81 | 9.3 |
Earnings From Continuing Ops. | 31.22 | 11.2 | 24.59 | -139.33 | 35.44 | 48.17 |
Net Income to Company | 31.22 | 11.2 | 24.59 | -139.33 | 35.44 | 48.17 |
Minority Interest in Earnings | -6.13 | -7.18 | -11.5 | -19.06 | -16.54 | -8.12 |
Net Income | 25.09 | 4.01 | 13.09 | -158.39 | 18.9 | 40.05 |
Net Income to Common | 25.09 | 4.01 | 13.09 | -158.39 | 18.9 | 40.05 |
Net Income Growth | 214.28% | -69.34% | - | - | -52.83% | -73.19% |
Shares Outstanding (Basic) | 820 | 483 | 483 | 514 | 483 | 483 |
Shares Outstanding (Diluted) | 820 | 483 | 483 | 514 | 483 | 483 |
Shares Change | 69.76% | -0.00% | -6.07% | 6.46% | - | - |
EPS (Basic) | 0.03 | 0.01 | 0.03 | -0.31 | 0.04 | 0.08 |
EPS (Diluted) | 0.03 | 0.01 | 0.03 | -0.31 | 0.04 | 0.08 |
EPS Growth | 85.13% | -69.34% | - | - | -52.83% | -73.19% |
Additional Metrics
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 |
Free Cash Flow | -113.3 | -59.65 | -80.75 | 101.86 | -624.18 | 321.26 |
Free Cash Flow Per Share | -0.14 | -0.12 | -0.17 | 0.20 | -1.29 | 0.67 |
Dividend Per Share | - | - | - | - | - | 0.049 |
Dividend Growth | - | - | - | - | - | -82.23% |
Operating Margin | 3.56% | 1.32% | 2.78% | -5.41% | 5.22% | 7.89% |
Profit Margin | 2.49% | 0.38% | 1.21% | -13.43% | 2.00% | 5.54% |
Free Cash Flow Margin | -11.26% | -5.70% | -7.46% | 8.63% | -66.09% | 44.45% |
EBITDA | 38.89 | 17.07 | 33.17 | -61.02 | 52.57 | 59.97 |
EBITDA Margin | 3.87% | 1.63% | 3.06% | -5.17% | 5.57% | 8.30% |
D&A For EBITDA | 3.1 | 3.22 | 3.07 | 2.76 | 3.25 | 2.94 |
EBIT | 35.79 | 13.86 | 30.1 | -63.77 | 49.33 | 57.04 |
EBIT Margin | 3.56% | 1.32% | 2.78% | -5.41% | 5.22% | 7.89% |
Effective Tax Rate | 17.45% | 33.27% | 32.85% | - | 19.91% | 16.18% |