7.168
RevenueAED M
41.55
43.01
43.42
45.78
48.15
50.88
52.01
53.84
56.46
57.61
7.937
3.66%
3.80%
51
21.17
Revenue growth%
14.69
15.67
17.41
15.25
14.81
13.16
11.68
14.43
14.07
14.03
14.29
14.03
14.56
61
15.40
Combined R.%
83.51
82.84
81.02
83.40
83.01
81.80
82.35
84.70
82.60
84.51
12.42
82.60
82.93
22
11.28
Operating margin%
27.45
26.56
27.23
27.82
28.18
27.11
27.56
25.21
22.56
21.83
4.75
25.21
27.17
81
21.24
Net margin%
27.41
29.78
27.33
27.17
29.80
30.44
31.31
28.90
31.72
29.20
18.60
30.44
29.49
73
21.60
P/E ratio (avg)x
26.61
23.16
25.01
22.72
24.10
24.54
24.99
27.27
29.32
31.61
22.52
27.27
25.00
86
27.92
P/TBVx
22.19
21.76
24.76
27.19
25.31
27.99
27.91
27.29
29.67
28.19
19.04
27.99
27.24
12
8.141
P/Bx
19.64
18.53
18.25
15.49
16.66
14.33
13.44
11.78
10.58
10.27
32.83
11.78
14.91
69
14.88
Prem. grth%
9.05
6.90
9.42
10.92
11.41
13.31
13.02
13.14
15.91
17.28
5.07
13.31
12.21
19
7.99
Invest. yld%
18.56
18.04
19.48
17.32
15.20
12.72
10.41
8.51
9.95
7.34
5.62
9.95
13.96
69
11.58
BVPS grth%
5.95
8.82
10.44
9.71
10.87
13.57
15.73
13.99
13.87
14.60
12.90
13.99
12.22
23
13.83
Return on equity%
17.71
19.31
21.06
19.59
18.08
20.62
21.75
18.92
16.55
18.69
5.00
18.92
19.11
25
27.86
Return on assets%
9.99
10.48
8.01
9.98
8.08
8.73
9.24
7.80
8.35
10.88
22.17
8.73
8.99
48
0.04
EPSAED
0.21
0.22
0.25
0.26
0.30
0.32
0.33
0.38
0.43
0.43
0.04
7.29%
9.31%
—
19.21
EPS growth%
2.34
0.40
0.40
0.40
0.40
0.49
1.51
4.33
5.80
2.84
25.88
2.84
1.00
36
0.11
Bookvalue per shAED
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.02
0.02
0.02
0.06
(3.57%)
(1.22%)
—
0.05
TBV/shAED
0.16
0.17
0.17
0.19
0.20
0.20
0.21
0.22
0.24
0.25
0.07
4.97%
5.20%
—
0.02
Dividend per shAED
0.19
0.18
0.18
0.19
0.21
0.23
0.23
0.24
0.24
0.26
0.09
3.94%
4.13%
—
28.89
Div yield (avg)%
18.34
20.56
20.01
19.78
19.65
17.11
15.18
12.85
12.90
12.83
16.89
12.90
17.72
54
21.07
Payout ratio%
13.19
11.83
11.53
9.12
9.75
8.88
11.63
12.31
11.57
9.02
24.02
11.57
11.55
61
249.2
Shares (diluted)M
226.1
252.2
257.7
246.7
269.3
285.8
319.1
327.7
357.0
355.5
250.2
5.71%
4.38%
89
14.39
Buyback yield%
30.74
29.24
28.23
29.48
29.11
27.08
26.58
27.14
26.66
28.56
23.06
27.08
28.39
14
0.746
D/E ratiox
0.738
0.823
0.876
0.942
1.045
1.136
1.189
1.391
1.459
1.522
1.143
1.391
1.090
39
14.70
AssetsAED M
38.24
42.00
46.73
52.14
56.68
64.36
66.97
73.05
81.38
85.50
38.16
8.57%
9.77%
67
2.739
LT debtAED M
7.226
7.684
8.723
9.866
9.528
10.06
10.16
9.491
9.107
10.15
31.07
1.27%
4.95%
64
Revenue
AED 57.61M
3.80%
1.00×
Claims and benefits
AED 31.77M
3.87%
1.01×
Total costs
AED 44.47M
3.79%
1.00×
Spread over hurdle
39.78%