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

Market cap in millions AED. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 12, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	401	383	508	631	904	1,005
Market Cap Growth	11.91%	-24.55%	-19.57%	-30.22%	-10.05%	41.00%
Enterprise Value	281	334	484	539	942	867
PE Ratio	50.28	29.25	-	33.40	22.58	6.73
PS Ratio	0.37	0.35	0.43	0.67	1.25	1.14
PB Ratio	1.14	1.15	1.38	0.77	1.07	1.11
P/FCF Ratio	-	-	4.98	-	2.82	10.95
P/OCF Ratio	-	-	4.96	-	2.80	10.79
EV/Sales Ratio	0.26	0.30	0.41	0.57	1.30	0.98
EV/EBITDA Ratio	6.34	5.92	-	10.25	15.71	4.84
EV/EBIT Ratio	7.26	6.26	-	10.92	16.51	4.93
EV/FCF Ratio	-2.42	-	4.75	-	2.93	9.44
Debt / Equity Ratio	0.02	0.02	0.01	0.01	0.04	0.01
Debt / EBITDA Ratio	0.12	0.11	-	0.16	0.47	0.05
Debt / FCF Ratio	-	-	0.05	-	0.09	0.09
Quick Ratio	1.75	0.64	0.73	0.80	0.28	0.34
Current Ratio	7.63	3.26	2.76	2.57	0.99	0.72
Asset Turnover	0.31	0.33	0.34	0.23	0.16	0.20
Return on Equity (ROE)	2.49%	6.99%	-23.52%	4.27%	5.50%	17.88%
Return on Assets (ROA)	0.70%	1.00%	-1.16%	0.74%	0.77%	2.53%
Return on Capital (ROIC)	4.84%	9.34%	-6.65%	3.63%	3.98%	12.40%
Earnings Yield	1.99%	3.42%	-31.21%	2.99%	4.43%	14.86%
Earnings Yield	1.99%	3.42%	-31.21%	2.99%	4.43%	14.86%
FCF Yield	-28.94%	-21.15%	20.07%	-98.92%	35.52%	9.14%
Dividend Yield	-	-	-	-	2.71%	15.06%
Payout Ratio	-	-	-	125.68%	244.77%	47.73%
Buyback Yield / Dilution	-3.98%	6.07%	-6.46%	-	0.00%	-
Total Shareholder Return	-3.98%	6.07%	-6.46%	-	2.71%	15.06%

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