116.7
RevenueAED M
129.0
140.9
149.8
160.1
172.3
181.1
198.3
208.7
227.2
240.1
124.4
6.86%
6.93%
18
14.04
Revenue growth%
13.33
11.25
13.02
14.98
17.67
16.84
17.32
18.40
18.34
19.12
12.14
18.34
17.08
45
10.37
Combined R.%
90.91
90.09
90.48
90.95
90.56
91.10
90.04
91.78
92.09
90.56
24.37
91.10
90.73
71
19.73
Operating margin%
17.26
18.39
20.56
23.42
23.81
23.54
24.05
25.78
26.33
26.80
7.04
25.78
23.67
29
6.69
Net margin%
3.04
1.79
4.43
7.20
5.84
2.94
3.12
2.85
2.93
1.06
8.08
2.93
2.99
71
15.48
P/E ratio (avg)x
5.074
5.214
5.531
5.358
5.769
5.429
4.604
4.246
4.204
4.543
36.61
4.543
5.144
16
33.05
P/TBVx
24.73
26.11
23.95
24.07
24.19
25.66
26.18
25.07
27.86
27.24
33.17
26.18
25.37
9
27.97
P/Bx
10.11
9.732
10.30
10.33
10.79
10.60
11.01
11.02
10.85
11.70
14.87
11.01
10.69
32
14.38
Prem. grth%
24.81
22.68
20.83
21.32
21.27
20.84
21.11
21.41
19.07
16.29
6.84
20.84
21.19
60
6.14
Invest. yld%
28.52
30.58
29.91
30.18
29.98
29.72
32.62
33.50
30.91
28.95
27.43
30.91
30.08
6
28.00
BVPS grth%
22.12
23.82
25.95
23.10
22.30
23.49
23.49
24.56
24.43
24.00
10.06
24.00
23.65
95
18.65
Return on equity%
8.34
7.44
5.68
8.00
7.21
8.50
6.61
8.49
5.66
8.53
12.80
8.49
7.72
12
14.46
Return on assets%
14.90
12.98
12.46
12.40
13.66
15.91
15.42
13.16
10.37
11.17
26.04
13.16
13.07
13
2.91
EPSAED
2.10
2.02
2.12
2.36
2.06
2.00
2.15
2.20
1.99
2.12
3.08
0.53%
0.79%
—
6.17
EPS growth%
4.58
2.27
5.09
7.48
9.74
7.09
7.72
7.36
6.09
6.67
4.75
7.09
6.88
80
1.68
Bookvalue per shAED
2.60
2.86
2.85
2.87
2.89
2.66
2.39
2.69
2.63
2.79
2.84
(0.66%)
0.71%
—
1.50
TBV/shAED
0.53
0.57
0.58
0.65
0.68
0.66
0.66
0.66
0.71
0.76
1.64
2.19%
3.59%
—
0.49
Dividend per shAED
0.50
0.46
0.41
0.43
0.37
0.40
0.35
0.34
0.33
0.29
2.42
(4.82%)
(6.60%)
—
2.65
Div yield (avg)%
24.33
25.60
25.72
25.39
25.85
24.55
26.61
24.67
24.56
24.82
25.73
24.67
25.11
9
16.73
Payout ratio%
18.19
17.16
16.19
16.38
13.72
14.20
12.85
14.16
16.23
16.36
2.27
14.20
16.21
9
99.66
Shares (diluted)M
135.5
159.1
167.0
191.2
225.4
235.5
235.3
278.0
330.7
320.6
101.8
7.30%
10.06%
31
2.91
Buyback yield%
23.65
26.49
27.53
28.18
30.13
28.77
26.15
25.81
28.08
30.54
18.06
28.08
27.81
65
1.114
D/E ratiox
3.048
3.115
3.377
3.350
3.598
3.937
3.727
4.086
3.821
3.857
0.849
3.857
3.662
38
0.180
AssetsAED B
0.795
0.846
0.895
0.989
1.114
1.182
1.244
1.325
1.430
1.599
0.232
7.50%
7.91%
49
163.6
LT debtAED M
103.2
109.0
100.1
111.2
109.5
113.0
125.0
138.5
129.3
114.6
200.8
0.91%
1.24%
29
Revenue
AED 240.1M
6.93%
1.00×
Claims and benefits
AED 146.9M
6.94%
1.00×
Total costs
AED 197.5M
6.79%
0.99×