97.33
RevenueAED M
134.8
146.9
155.6
164.1
173.3
188.3
198.9
215.8
232.8
247.9
105.7
7.43%
7.16%
51
11.79
Revenue growth%
22.90
22.12
24.29
21.83
20.04
19.87
21.63
23.02
24.04
23.06
28.04
23.02
22.51
54
25.30
Combined R.%
87.99
88.10
86.60
87.79
86.41
87.60
86.51
86.82
84.98
85.17
26.49
86.51
86.71
22
27.43
Operating margin%
18.77
19.94
20.08
18.47
18.04
19.42
16.84
15.91
13.56
13.83
12.24
15.91
18.26
26
16.62
Net margin%
6.99
5.96
8.83
7.44
7.84
8.61
11.15
12.05
9.23
9.48
27.55
9.48
8.72
43
13.46
P/E ratio (avg)x
34.97
32.63
33.73
31.19
30.76
26.96
27.46
26.70
27.30
29.62
25.63
27.30
30.19
83
36.90
P/TBVx
33.35
36.43
32.62
31.27
29.25
30.44
32.40
33.76
33.68
31.21
13.73
32.40
32.51
73
20.18
P/Bx
30.88
34.58
38.57
34.67
35.35
39.04
41.39
44.92
40.27
43.22
8.443
41.39
38.81
33
10.47
Prem. grth%
24.66
24.80
24.06
24.20
24.39
26.12
24.77
27.43
30.11
31.35
7.13
27.43
24.78
42
11.28
Invest. yld%
14.49
15.51
15.77
16.10
16.59
16.33
16.68
17.53
16.13
16.42
17.71
16.42
16.23
65
19.86
BVPS grth%
31.08
33.21
35.79
35.05
32.23
34.79
37.06
36.32
36.37
39.16
23.08
36.37
35.42
18
23.96
Return on equity%
15.29
15.57
18.18
16.47
14.16
16.17
13.95
14.44
13.62
10.83
11.42
13.95
14.86
49
19.30
Return on assets%
20.48
21.93
22.57
19.79
19.39
16.71
17.63
20.56
20.04
17.29
12.39
17.63
19.92
16
0.09
EPSAED
0.05
0.05
0.06
0.06
0.07
0.07
0.07
0.07
0.08
0.08
0.10
2.96%
4.29%
—
25.40
EPS growth%
26.84
29.25
26.28
28.13
29.27
29.07
30.00
32.80
34.39
37.18
8.37
32.80
29.26
82
0.13
Bookvalue per shAED
0.10
0.11
0.11
0.11
0.13
0.13
0.11
0.11
0.11
0.11
0.15
(3.48%)
0.98%
—
0.13
TBV/shAED
0.11
0.10
0.10
0.10
0.10
0.09
0.10
0.09
0.08
0.09
0.03
(1.25%)
(2.12%)
—
0.03
Dividend per shAED
0.13
0.14
0.13
0.11
0.10
0.10
0.09
0.09
0.09
0.09
0.09
(1.74%)
(3.00%)
—
26.61
Div yield (avg)%
26.91
27.24
27.21
27.56
25.87
24.11
22.62
24.52
25.88
23.05
29.33
24.11
25.88
7
7.67
Payout ratio%
7.59
10.34
10.35
12.67
15.40
14.66
13.26
16.18
15.46
15.62
14.89
15.46
13.96
34
0.829
Shares (diluted)B
0.944
0.993
1.117
1.245
1.232
1.209
1.296
1.288
1.450
1.590
0.835
5.23%
5.89%
28
10.95
Buyback yield%
14.49
14.63
16.46
17.60
20.24
18.76
15.87
17.75
17.99
20.37
21.23
17.99
17.68
62
0.294
D/E ratiox
2.053
2.403
2.672
3.193
3.209
3.576
3.524
3.749
4.236
4.627
0.402
3.749
3.367
29
49.18
AssetsAED M
141.9
151.1
162.0
165.7
183.1
194.8
218.2
234.4
253.0
275.1
15.50
8.48%
7.71%
89
56.60
LT debtAED M
187.2
163.3
143.8
145.0
143.5
125.0
135.5
119.7
106.8
104.5
254.5
(6.15%)
(6.16%)
68
Revenue
AED 247.9M
7.16%
1.00×
Claims and benefits
AED 134.5M
6.89%
0.97×
Total costs
AED 194.7M
7.00%
0.99×