6.819
RevenueAED M
117.5
121.1
125.9
130.7
134.6
137.5
144.6
151.1
159.1
161.6
7.591
3.72%
3.30%
80
19.03
Revenue growth%
1.60
1.60
3.51
3.01
5.48
7.90
6.04
4.69
5.63
5.23
18.73
5.63
4.96
22
7.09
Combined R.%
84.05
84.27
85.65
86.01
84.95
83.75
83.73
85.20
85.41
83.80
24.95
83.80
84.61
79
24.60
Operating margin%
15.90
13.16
11.22
13.06
12.89
13.29
12.93
12.92
12.97
14.67
3.04
12.97
13.01
11
23.69
Net margin%
24.44
23.57
22.06
23.92
23.83
21.07
21.35
21.48
22.68
24.55
26.00
21.48
23.13
33
17.16
P/E ratio (avg)x
30.59
31.71
33.97
36.15
33.16
33.60
34.81
38.15
43.50
45.50
20.95
38.15
34.39
33
37.97
P/TBVx
23.92
24.88
23.12
24.76
26.67
27.63
28.48
29.93
26.46
22.97
31.73
27.63
25.67
89
28.70
P/Bx
32.03
36.16
37.52
40.06
43.32
45.89
44.76
42.15
43.03
45.61
30.91
44.76
42.59
47
21.40
Prem. grth%
21.36
18.53
15.77
14.17
12.36
11.35
10.17
9.90
9.38
9.43
26.07
9.90
11.85
73
3.90
Invest. yld%
16.39
17.53
14.67
12.45
11.55
13.87
16.86
16.29
18.92
17.37
5.45
16.86
16.34
40
7.08
BVPS grth%
21.49
21.99
20.39
23.32
22.43
20.96
23.80
21.40
24.36
22.78
27.66
22.78
22.21
15
18.70
Return on equity%
2.33
3.51
1.50
1.81
0.61
0.40
1.86
0.40
0.40
0.40
19.53
0.40
1.05
50
20.37
Return on assets%
12.82
12.23
9.27
7.79
9.99
12.83
9.93
8.76
11.52
9.12
27.71
9.93
9.96
43
0.49
EPSAED
0.31
0.34
0.32
0.29
0.27
0.27
0.27
0.24
0.25
0.23
0.52
(3.27%)
(3.84%)
—
18.61
EPS growth%
14.98
14.14
13.45
16.20
14.58
17.56
19.10
16.79
15.85
18.47
27.07
17.56
16.03
9
0.26
Bookvalue per shAED
0.23
0.25
0.25
0.27
0.27
0.30
0.33
0.33
0.36
0.35
0.58
5.49%
4.85%
—
0.16
TBV/shAED
0.43
0.43
0.45
0.41
0.39
0.35
0.37
0.39
0.35
0.37
0.34
(1.14%)
(1.39%)
—
0.87
Dividend per shAED
0.11
0.11
0.10
0.10
0.09
0.08
0.08
0.08
0.08
0.08
0.21
(1.27%)
(3.20%)
—
9.93
Div yield (avg)%
8.58
8.58
8.72
9.90
8.07
9.80
9.35
11.20
12.40
11.00
26.02
11.00
9.57
6
29.83
Payout ratio%
22.34
20.20
20.38
19.18
18.79
17.30
16.70
15.47
17.98
17.58
17.29
17.30
18.38
62
115.9
Shares (diluted)M
113.5
124.1
131.2
140.7
138.0
137.2
148.0
167.0
177.4
199.0
118.4
7.59%
6.05%
43
14.18
Buyback yield%
21.36
23.53
25.36
24.67
25.71
24.77
22.58
25.00
23.48
23.47
10.12
23.48
24.10
23
1.118
D/E ratiox
1.133
1.093
1.163
1.123
1.285
1.359
1.542
1.579
1.759
1.951
1.420
1.579
1.322
30
79.14
AssetsAED M
265.0
274.3
292.9
315.8
345.7
378.7
414.5
453.0
502.4
538.7
110.5
9.28%
8.38%
19
17.26
LT debtAED M
77.40
81.83
80.89
73.07
77.24
87.10
82.32
87.66
94.54
98.04
117.9
4.88%
1.93%
6
Revenue
AED 161.6M
3.30%
1.00×
Claims and benefits
AED 93.54M
3.35%
1.00×
Total costs
AED 124.5M
3.26%
1.00×