0.845
RevenueAED B
0.922
0.939
0.947
0.997
1.029
1.072
1.126
1.162
1.194
1.205
0.876
3.21%
3.21%
51
23.42
Revenue growth%
25.14
27.72
28.99
28.64
29.70
28.69
27.23
27.84
24.92
27.77
11.01
27.77
27.80
87
11.27
Combined R.%
80.50
80.39
81.92
79.46
80.81
80.36
80.67
80.88
81.56
80.37
29.70
80.67
80.59
61
24.65
Operating margin%
10.56
12.03
13.93
15.33
18.07
17.92
19.93
19.42
17.82
17.46
6.38
17.92
17.64
92
7.80
Net margin%
22.95
25.39
28.10
25.42
27.63
29.87
29.70
28.90
30.58
30.24
4.04
29.87
28.50
7
23.23
P/E ratio (avg)x
16.90
16.19
17.06
15.87
16.27
17.02
16.67
17.49
19.58
22.62
10.53
17.49
16.96
73
15.50
P/TBVx
15.37
17.95
20.55
19.79
23.35
23.92
25.92
27.07
26.46
27.20
17.14
26.46
23.63
73
31.25
P/Bx
31.12
32.24
32.15
27.21
28.94
26.76
23.64
24.59
23.31
24.96
31.70
24.59
26.98
38
25.99
Prem. grth%
30.57
27.67
30.43
28.68
29.06
28.16
27.45
26.71
29.62
28.97
27.93
28.16
28.83
85
19.33
Invest. yld%
20.59
22.94
21.27
19.92
17.80
18.26
18.04
16.23
17.12
15.33
29.41
17.12
18.15
44
2.85
BVPS grth%
27.51
24.93
23.94
21.49
21.24
19.98
19.11
18.17
20.50
22.97
12.24
19.98
21.37
61
20.23
Return on equity%
7.31
7.98
6.59
9.17
9.19
11.34
9.63
11.02
11.86
13.54
27.62
11.34
9.41
85
29.29
Return on assets%
20.44
19.48
21.14
21.37
19.67
22.57
20.33
19.53
21.74
19.80
15.00
20.33
20.38
21
0.43
EPSAED
0.86
0.77
0.71
0.77
0.85
0.84
0.87
0.95
1.07
1.06
0.47
4.54%
3.44%
—
27.98
EPS growth%
9.13
8.83
6.55
6.57
5.64
6.88
7.06
9.88
10.80
10.33
15.09
9.88
7.94
66
0.35
Bookvalue per shAED
0.32
0.30
0.31
0.29
0.28
0.30
0.30
0.32
0.34
0.36
0.30
5.20%
0.59%
—
0.29
TBV/shAED
0.36
0.32
0.34
0.30
0.31
0.31
0.30
0.27
0.25
0.24
0.58
(5.17%)
(3.88%)
—
0.19
Dividend per shAED
0.62
0.65
0.62
0.62
0.58
0.56
0.61
0.59
0.53
0.49
0.48
(3.54%)
(3.40%)
—
10.88
Div yield (avg)%
6.38
7.06
6.02
7.06
10.00
12.41
10.98
13.87
15.57
14.72
9.31
13.87
10.49
8
9.32
Payout ratio%
14.37
14.36
11.90
11.07
9.98
7.01
9.51
7.67
4.95
7.27
26.89
7.27
9.75
44
461.6
Shares (diluted)M
464.8
429.6
464.3
428.8
438.5
489.1
555.7
586.2
546.2
495.1
465.1
2.45%
1.20%
54
2.86
Buyback yield%
22.73
24.23
21.89
19.61
21.65
22.90
25.58
23.56
22.15
24.78
4.87
23.56
22.82
38
1.506
D/E ratiox
1.512
1.613
1.452
1.308
1.319
1.446
1.496
1.592
1.701
1.808
1.790
1.592
1.504
33
0.707
AssetsAED B
2.778
3.008
3.254
3.498
3.660
4.053
4.518
5.001
5.201
5.775
0.527
9.55%
8.34%
8
0.783
LT debtAED B
2.060
2.481
2.512
2.687
2.722
2.763
3.100
3.053
3.253
3.874
0.150
7.31%
8.12%
82
Revenue
AED 1.205B
3.21%
1.00×
Claims and benefits
AED 597.0M
3.22%
1.00×
Total costs
AED 900.3M
3.26%
1.00×