41.83
RevenueAED M
145.3
155.3
166.9
178.3
185.0
195.3
208.1
218.1
228.4
242.2
43.57
5.54%
5.90%
58
27.33
Revenue growth%
16.40
18.05
20.90
22.91
23.26
22.28
24.10
21.80
21.19
21.68
12.22
21.80
21.74
29
26.82
Combined R.%
87.81
85.54
86.12
85.62
87.35
86.35
84.90
85.73
86.17
86.00
12.43
86.00
86.06
85
3.06
Operating margin%
1.68
4.41
7.41
7.22
8.74
9.79
7.23
6.50
4.91
3.08
27.55
6.50
6.86
93
18.61
Net margin%
21.42
23.54
22.09
22.10
20.54
23.33
23.61
26.33
24.95
27.55
24.28
24.95
23.44
83
36.70
P/E ratio (avg)x
24.89
27.67
29.51
30.85
29.35
29.50
32.16
36.10
33.88
32.07
32.15
32.16
30.18
40
32.25
P/TBVx
13.94
12.78
13.13
12.70
11.48
12.68
13.72
13.59
13.53
12.28
21.56
13.53
12.95
70
11.25
P/Bx
44.68
52.43
51.45
50.07
55.19
59.98
63.12
66.09
71.99
73.34
6.155
66.09
57.59
8
18.77
Prem. grth%
25.90
28.33
28.43
31.12
31.76
34.73
35.22
33.67
32.44
33.06
5.98
33.67
32.10
91
7.18
Invest. yld%
2.73
4.18
1.80
2.50
0.40
1.23
3.10
0.40
2.58
2.88
11.17
2.58
2.54
8
5.50
BVPS grth%
21.88
22.72
23.38
26.24
27.69
27.16
30.13
32.36
33.91
33.44
8.47
32.36
27.43
6
26.42
Return on equity%
9.56
7.93
6.49
4.29
5.94
3.32
4.28
5.40
8.12
8.93
12.62
5.40
6.21
68
10.47
Return on assets%
15.04
15.48
14.13
16.85
13.90
15.38
16.56
18.07
18.05
20.46
21.51
18.05
16.02
24
0.54
EPSAED
0.23
0.24
0.26
0.29
0.34
0.37
0.38
0.39
0.41
0.46
0.55
6.34%
8.61%
—
23.15
EPS growth%
30.20
30.57
30.25
28.38
29.81
31.90
30.81
28.88
28.63
29.16
25.47
29.16
30.00
82
0.76
Bookvalue per shAED
0.39
0.36
0.35
0.36
0.40
0.40
0.43
0.38
0.39
0.44
0.80
2.12%
1.05%
—
0.59
TBV/shAED
0.88
0.88
0.94
0.85
0.90
0.93
0.97
0.97
0.86
0.80
0.81
(2.31%)
(1.49%)
—
0.48
Dividend per shAED
1.15
1.34
1.35
1.50
1.57
1.58
1.59
1.55
1.52
1.60
0.38
0.37%
3.58%
—
11.21
Div yield (avg)%
22.68
24.00
22.21
19.93
19.75
19.00
18.30
16.12
17.74
18.86
29.72
18.30
19.37
38
16.59
Payout ratio%
32.71
32.83
30.80
32.70
31.05
33.50
32.64
35.31
37.23
38.28
20.23
35.31
32.77
60
164.7
Shares (diluted)M
219.2
236.8
281.1
292.0
297.9
320.1
323.4
317.3
376.4
438.7
169.6
8.05%
7.57%
89
10.91
Buyback yield%
17.46
15.05
15.14
17.89
16.47
18.65
21.31
22.09
24.13
26.52
28.11
22.09
18.27
79
0.869
D/E ratiox
0.284
0.297
0.320
0.300
0.267
0.247
0.227
0.212
0.222
0.197
0.490
0.222
0.257
63
40.88
AssetsAED M
36.44
37.91
41.31
44.00
49.96
55.40
59.68
62.54
68.03
71.02
254.7
7.29%
7.74%
73
123.6
LT debtAED M
267.2
303.9
315.1
349.1
322.8
362.4
393.7
363.5
352.2
331.4
115.1
0.53%
2.90%
86
Revenue
AED 242.2M
5.90%
1.00×
Claims and benefits
AED 138.2M
5.69%
0.98×
Total costs
AED 191.9M
5.74%
0.98×
Return on capital
103.61%
Spread over hurdle
95.61%