Balance Sheet Takaful Emarat - Insurance

Stocks

TAKAFUL-EM

AET000201011

Multiline Insurance & Brokers

Market Closed - Dubai FM Other stock markets 04:25:03 10/06/2026 pm IST			5-day change	1st Jan Change
1.540 ^AED	-0.65%		+0.65%	-14.92%

15/05	Takaful Emarat - Insurance Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
15/05	Takaful Emarat Insurance Q1 loss 13.7 million dirhams	RE

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Published financial data: TAKAFUL EMARAT - INSURANCE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	47Cr	33Cr	23Cr	42Cr	61Cr
Total Interest And Dividend Income	2.89Cr	11.87L	-4.09Cr	3.17Cr	7.97Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-66.43L	47.18L	5.61Cr	6L	-1.79Cr
Other Revenues, Total	2.04Cr	3.39Cr	2L	7L	15.95L
Total Revenues	52Cr	37Cr	24Cr	45Cr	67Cr
Policy Benefits	40Cr	27Cr	17Cr	32Cr	47Cr
Policy Acquisition / Underwriting Costs, Total	5.3Cr	3.99Cr	3.49Cr	5.93Cr	8.74Cr
Selling General & Admin Expenses, Total	7.38Cr	6.33Cr	4.82Cr	6.15Cr	7.91Cr
Other Operating Expenses	0	0	0	-35.61L	1.76Cr
Total Operating Expenses	52Cr	37Cr	26Cr	44Cr	65Cr
Operating Income	-60.4L	12.48L	-1.25Cr	1.32Cr	1.97Cr
Currency Exchange Gains (Loss)	-	-	36T	-	-
EBT, Excl. Unusual Items	-60.4L	12.48L	-1.24Cr	1.32Cr	1.97Cr
Asset Writedown	-6L	12L	-	-	-
EBT, Incl. Unusual Items	-66.83L	24.48L	-1.24Cr	1.32Cr	1.97Cr
Income Tax Expense	-	-	-	19.96L	38.57L
Earnings From Continuing Operations	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Net Income to Company	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Net Income - (IS)	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Net Income to Common Incl Extra Items	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Net Income to Common Excl. Extra Items	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Per Share Items
Net EPS - Basic	-0.26	0.1	-0.48	0.05	0.08
Basic EPS - Continuing Operations	-0.26	0.1	-0.48	0.05	0.08
Basic Weighted Average Shares Outstanding	2.57Cr	2.57Cr	2.57Cr	21Cr	21Cr
Net EPS - Diluted	-0.26	0.1	-0.48	0.05	0.08
Diluted EPS - Continuing Operations	-0.26	0.1	-0.48	0.05	0.08
Diluted Weighted Average Shares Outstanding	2.57Cr	2.57Cr	2.57Cr	21Cr	21Cr
Normalized Basic EPS	-0.15	0.03	-0.3	0.04	0.06
Normalized Diluted EPS	-0.15	0.03	-0.3	0.04	0.06
Dividend Per Share	-	-	-	-	-
Payout Ratio	-	-	-	-	-
Supplemental Items
EBITDA	-24.8L	45.49L	-1.22Cr	1.38Cr	2.01Cr
EBITA	-60.4L	12.48L	-1.25Cr	1.32Cr	1.97Cr
EBIT	-60.4L	12.48L	-1.25Cr	1.32Cr	1.97Cr
EBITDAR	-22.87L	47.87L	-1.17Cr	1.54Cr	2.09Cr
Effective Tax Rate - (Ratio)	-	-	-	15.17	19.57
Total Current Taxes	-	-	-	-	49T
Total Deferred Taxes	-	-	-	19.96L	38.08L
Normalized Net Income	-37.75L	8L	-77.66L	82.24L	1.23Cr
Non-Cash Pension Expense	9L	17.7L	-	-	-
Supplemental Operating Expense Items
Marketing Expenses	15.21L	7L	-	-	-
Selling and Marketing Expenses	15.21L	7L	-	-	-
General and Administrative Expenses	7.21Cr	6.24Cr	4.77Cr	6Cr	7.83Cr
Net Rental Expense, Total	2L	2L	5L	15.39L	8L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	-	-	-	-	-
Investment In Equity and Preferred Securities, Total	5.76Cr	5.76Cr	-	-	-
Trading Asset Securities, Total	38Cr	35Cr	35Cr	39Cr	47Cr
Real Estate Owned	5.5Cr	6.17Cr	8.4Cr	11Cr	9.51Cr
Total Other Investments	1.72Cr	3.61Cr	1.36Cr	5.7Cr	3.82Cr
Total investments	51Cr	51Cr	45Cr	56Cr	60Cr
Cash And Equivalents	4.96Cr	6.79Cr	6.26Cr	28Cr	28Cr
Reinsurance Recoverable - (IS)	13Cr	6.7Cr	3.37Cr	4.42Cr	8.48Cr
Other Receivables - (Insurance Template)	29Cr	20Cr	11Cr	7.05Cr	9.71Cr
Deferred Policy Acquisition Costs - (BS)	5.12Cr	3.89Cr	-	-	-
Gross Property Plant And Equipment	6.33Cr	69.43L	71.11L	79.04L	1.3Cr
Accumulated Depreciation	-1.8Cr	-61.47L	-63.96L	-66.94L	-77.41L
Net Property Plant And Equipment	4.54Cr	8L	7L	12.1L	52.89L
Other Intangibles, Total	18.66L	10.94L	5L	3L	4L
Restricted Cash	40L	40L	-	40L	40L
Other Current Assets, Total	27.07L	31.16L	23.9L	20.69L	-
Other Long-Term Assets, Total	-	1	40L	-	-
Total Assets	108.63Cr	89Cr	66Cr	96Cr	107.75Cr
Liabilities
Accounts Payable, Total	-	-	-	2.05Cr	44.19L
Accrued Expenses, Total	81.52L	68.08L	-	39.59L	98.89L
Insurance And Annuity Liabilities	28Cr	28Cr	39Cr	52Cr	56Cr
Unpaid Claims	18Cr	9.2Cr	8.43Cr	12Cr	17Cr
Unearned Premiums	17Cr	8.59Cr	-	-	-
Reinsurance Payable - (BS)	10Cr	6.26Cr	34.53L	51.33L	-
Short-Term Borrowings	-	-	-	-	-
Long-Term Debt	2.17Cr	1.75Cr	6.57Cr	3.41Cr	65.5L
Long-Term Leases	-	-	-	-	32.69L
Current Income Taxes Payable	-	-	-	-	50T
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	3.32Cr	3.08Cr	-	-	-
Pension & Other Post Retirement Benefits	31.33L	42.17L	36.36L	58.64L	73.85L
Deferred Tax Liability Non-Current	-	-	-	19.96L	70.43L
Other Non Current Liabilities	16Cr	19Cr	16Cr	9.36Cr	14Cr
Total Liabilities	96Cr	77Cr	70Cr	80Cr	90Cr
Common Stock, Total	15Cr	15Cr	15Cr	21Cr	21Cr
Retained Earnings	-6.76Cr	-6.52Cr	-17Cr	-4.22Cr	-2.8Cr
Treasury Stock	-	-	-	-	-69.96L
Comprehensive Income and Other	4.07Cr	4.07Cr	-1.5Cr	-52.74L	18.04L
Total Common Equity	12Cr	13Cr	-3.97Cr	16Cr	18Cr
Total Equity	12Cr	13Cr	-3.97Cr	16Cr	18Cr
Total Liabilities And Equity	108.63Cr	89Cr	66Cr	96Cr	107.75Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.57Cr	2.57Cr	2.57Cr	21Cr	21Cr
ECS Total Common Shares Outstanding	2.57Cr	2.57Cr	2.57Cr	21Cr	21Cr
Book Value / Share	4.8	4.89	-1.55	0.77	0.86
Tangible Book Value	12Cr	12Cr	-4.01Cr	16Cr	18Cr
Tangible Book Value Per Share	4.73	4.85	-1.56	0.77	0.86
Total Debt	2.17Cr	1.75Cr	6.57Cr	3.41Cr	98.19L
Net Debt	-2.79Cr	-5.04Cr	30.93L	-24Cr	-27Cr
Debt Equivalent Oper. Leases	15.41L	19.05L	42.88L	1.23Cr	65.52L
Account Code - Inventory Valuation	3	3	3	3	3
Buildings, Total	4.86Cr	-	-	-	-
Machinery, Total	1.47Cr	69.43L	71.11L	79.04L	83.34L

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	-66.83L	24.48L	-1.24Cr	1.12Cr	1.59Cr
Depreciation, Depletion & Amortization	35.6L	33.01L	-18T	7L	10.64L
Total Depreciation, Depletion & Amortization	35.6L	33.01L	-18T	7L	10.64L
Amortization of Deferred Charges, Total	12.03L	9L	9L	-	-
(Gain) Loss On Sale of Asset - (CF)	-	1.14Cr	-	-6L	-5L
(Gain) Loss on Sale of Investments - (CF)	-4.76Cr	-1.6Cr	-5.52Cr	-1.22Cr	-1.81Cr
Total Asset Writedown	6L	-12L	-1.54Cr	-1.32Cr	-40.08L
Deferred Policy Acquisition Costs - (CF)	1.44Cr	1.23Cr	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-20.56L
Provision and Write-off of Bad Debts	1L	54.17L	20T	2L	-1L
Change in Accounts Receivable	-1.27Cr	13Cr	1L	-	-
Reinsurance Recoverable - (CF)	1.78Cr	4.69Cr	-2.21Cr	-1.05Cr	-4.06Cr
Reinsurance Payable - (CF)	-	-	-1.04Cr	16.8L	-51.33L
Change in insurance Reserves / Liabilities	2.01Cr	-23Cr	13Cr	13Cr	6.44Cr
Change in Other Net Operating Assets (Collected)	-	-	1.32Cr	46.37L	1.39Cr
Other Operating Activities	6L	10.84L	-6L	16.55L	44.74L
Cash from Operations	-86.08L	-2.96Cr	2.8Cr	11Cr	2.92Cr
Capital Expenditure	-7L	-3L	-2L	-8L	-51.26L
Sale of Property, Plant, and Equipment	-	3.01Cr	-	1T	-
Purchase / Sale of Intangible Assets	-	-1L	-	-1L	-2L
Sale (Purchase) of Real Estate Properties (Collected)	-39.78L	-55.46L	-1.08Cr	-1.01Cr	1.72Cr
Investment in Marketable and Equity Securities, Total	-1.58Cr	2.29Cr	4L	-6.94Cr	-3.04Cr
Other Investing Activities, Total	-	-	-	-	22.23L
Cash from Investing	-2.05Cr	4.71Cr	-1.06Cr	-8.05Cr	-1.63Cr
Short Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Short Term Debt Repaid, Total	-42L	-	-	-	-
Long-Term Debt Repaid, Total	-	-42L	-1.75Cr	-	-
Total Debt Repaid	-42L	-42L	-1.75Cr	-	-
Issuance of Common Stock	-	-	-	18Cr	-
Repurchase of Common Stock	-	-	-	-	-68.16L
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	-3L	-50.65T	-	-17.05L	-3L
Cash from Financing	-45.48L	-42.51L	-1.75Cr	18Cr	-71.15L
Miscellaneous Cash Flow Adjustments	-	-2	-	-	-
Net Change in Cash	-3.36Cr	1.32Cr	-1L	22Cr	57.8L
Supplemental Items
Net Debt Issued / Repaid	-42L	-42L	-1.75Cr	-	-
Levered Free Cash Flow	-5.88Cr	-3.88Cr	-3.3Cr	14Cr	-3.8Cr
Unlevered Free Cash Flow	-5.88Cr	-3.88Cr	-3.3Cr	14Cr	-3.8Cr
Change In Net Working Capital	5.91Cr	4.34Cr	2.59Cr	-14Cr	4.61Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	-0.35	0.08	-1.27	1.01	1.21
Return on Total Capital	-2.66	0.54	-14.18	7.36	6.41
Return On Equity %	-5.65	1.97	37.16	18.07	9.31
Return on Common Equity	-5.65	1.97	37.16	18.07	9.31
Margin Analysis
Gross Profit Margin %	13.1	17.24	14.66	15.69	17.26
SG&A Margin	14.27	16.91	19.76	13.57	11.74
EBITDA Margin %	-0.48	1.22	-5	3.05	2.98
EBITA Margin %	-1.17	0.33	-5.11	2.9	2.92
EBIT Margin %	-1.17	0.33	-5.11	2.9	2.92
Income From Continuing Operations Margin %	-1.29	0.65	-5.09	2.46	2.35
Net Income Margin %	-1.29	0.65	-5.09	2.46	2.35
Net Avail. For Common Margin %	-1.29	0.65	-5.09	2.46	2.35
Normalized Net Income Margin	-0.73	0.21	-3.18	1.81	1.83
Levered Free Cash Flow Margin	-11.37	-10.37	-13.52	31.85	-5.63
Unlevered Free Cash Flow Margin	-11.37	-10.37	-13.52	31.85	-5.63
Asset Turnover
Asset Turnover	0.48	0.38	0.4	0.56	0.66
Fixed Assets Turnover	11.05	16.22	323.02	470.93	207.54
Receivables Turnover (Average Receivables)	2.32	1.81	-	-	-
Short Term Liquidity
Current Ratio	1.12	1.28	2.27	1.59	1.53
Quick Ratio	0.94	1.14	2.13	1.48	1.38
Operating Cash Flow to Current Liabilities	-0.01	-0.05	0.11	0.23	0.05
Days Sales Outstanding (Average Receivables)	157.28	201.29	-	-	-
Average Days Payable Outstanding	428.1	574.06	363.18	403.44	359.67
Long Term Solvency
Total Debt/Equity	17.63	13.94	-165.75	20.91	5.53
Total Debt / Total Capital	14.99	12.24	252.09	17.29	5.24
LT Debt/Equity	17.63	13.94	-165.75	20.91	5.53
Long-Term Debt / Total Capital	14.99	12.24	252.09	17.29	5.24
Total Liabilities / Total Assets	88.67	85.94	105.97	83	83.53
Total Debt / EBITDA	-8.75	3.85	-5.38	2.47	0.47
Net Debt / EBITDA	11.26	-11.08	-0.25	-17.63	-13.19
Total Debt / (EBITDA - Capex)	-6.83	4.11	-5.31	2.62	0.63
Net Debt / (EBITDA - Capex)	8.79	-11.83	-0.25	-18.71	-17.51
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	20.53	-27.59	-4.03	85.71	48.79
Gross Profit, 1 Yr. Growth %	4.98	-4.71	-159.62	49.02	63.68
EBITDA, 1 Yr. Growth %	-133.54	-283.47	-89.1	-219.49	45.5
EBITA, 1 Yr. Growth %	-251.37	-120.66	-89.22	-205.89	49.82
EBIT, 1 Yr. Growth %	-251.37	-120.66	-89.22	-205.89	49.82
Earnings From Cont. Operations, 1 Yr. Growth %	-1.72T	-136.63	-87.21	-189.83	42.05
Net Income, 1 Yr. Growth %	-1.72T	-136.63	-87.21	-189.83	42.05
Normalized Net Income, 1 Yr. Growth %	-251.37	-120.66	-89.16	-205.89	49.82
Diluted EPS Before Extra, 1 Yr. Growth %	-1.72T	-136.63	-87.21	-110.94	44.76
Net Property, Plant and Equip., 1 Yr. Growth %	-5.93	-98.25	-10.18	69.23	337.11
Accounts Receivable, 1 Yr. Growth %	-11.09	-18.59	-	-	-
Total Assets, 1 Yr. Growth %	3.79	-17.81	18.38	44.54	12.26
Common Equity, 1 Yr. Growth %	8.39	1.95	45.64	-511.59	8.76
Tangible Book Value, 1 Yr. Growth %	9.71	2.61	41.74	-505.93	8.69
Cash From Operations, 1 Yr. Growth %	-111.77	244.29	-153.34	302.55	-74.09
Capital Expenditures, 1 Yr. Growth %	-67.45	-58.63	-40.83	364.33	545.59
Levered Free Cash Flow, 1 Yr. Growth %	-446.29	-33.96	-86.95	119.16	-122.75
Unlevered Free Cash Flow, 1 Yr. Growth %	-446.29	-33.96	-86.95	119.16	-122.75
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	11.47	-6.58	-31.3	33.51	66.22
Gross Profit, 2 Yr. CAGR %	16.71	0.02	-27.33	8.88	56.17
EBITDA, 2 Yr. CAGR %	-69.88	-21.55	121.9	-64.87	31.86
EBITA, 2 Yr. CAGR %	-55.75	-44.08	43.65	-66.27	25.95
EBIT, 2 Yr. CAGR %	-55.75	-44.08	43.65	-66.27	25.95
Earnings From Cont. Operations, 2 Yr. CAGR %	-58.79	143.46	36.36	-66.11	12.96
Net Income, 2 Yr. CAGR %	-58.79	143.46	36.36	-66.11	12.96
Normalized Net Income, 2 Yr. CAGR %	-55.75	-44.08	43.44	-66.13	25.95
Diluted EPS Before Extra, 2 Yr. CAGR %	-58.79	143.46	36.36	-88.17	-60.21
Net Property, Plant and Equip., 2 Yr. CAGR %	-5.24	-87.15	-87.45	23.29	171.98
Accounts Receivable, 2 Yr. CAGR %	-2.42	-14.92	-	-	-
Total Assets, 2 Yr. CAGR %	0.13	-7.64	-21.81	30.81	27.38
Common Equity, 2 Yr. CAGR %	7.32	5.12	-43.25	144.84	111.58
Tangible Book Value, 2 Yr. CAGR %	8.65	6.1	-42.46	139.87	110.04
Cash From Operations, 2 Yr. CAGR %	398.69	-36.33	80.38	46.53	2.13
Capital Expenditures, 2 Yr. CAGR %	-51.63	-63.3	-50.54	65.75	447.51
Levered Free Cash Flow, 2 Yr. CAGR %	-18.64	51.23	-25.07	-24.46	-24.09
Unlevered Free Cash Flow, 2 Yr. CAGR %	-18.64	51.23	-25.07	-24.46	-24.09
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	19.06	-3.46	-17.14	-4.29	38.42
Gross Profit, 3 Yr. CAGR %	-12.86	9.08	-17.85	1.64	24.73
EBITDA, 3 Yr. CAGR %	-48.31	-45	18.21	77.34	-43.58
EBITA, 3 Yr. CAGR %	-26.3	-65.67	46.17	29.64	-44.55
EBIT, 3 Yr. CAGR %	-26.3	-65.67	46.17	29.64	-44.55
Earnings From Cont. Operations, 3 Yr. CAGR %	-21.93	-60.38	211.03	18.65	-45.35
Net Income, 3 Yr. CAGR %	-21.93	-60.38	211.03	18.65	-45.35
Normalized Net Income, 3 Yr. CAGR %	-26.3	-65.67	46.03	29.64	-44.4
Diluted EPS Before Extra, 3 Yr. CAGR %	-21.93	-60.38	211.03	-41.19	-72.74
Net Property, Plant and Equip., 3 Yr. CAGR %	-3.86	-74.93	-75.43	-70.12	88
Accounts Receivable, 3 Yr. CAGR %	22.51	-8.14	-	-	-
Total Assets, 3 Yr. CAGR %	3.44	-6.25	-14.07	-4.04	24.31
Common Equity, 3 Yr. CAGR %	-9.31	5.5	-29.59	9.85	86.81
Tangible Book Value, 3 Yr. CAGR %	-8.86	6.6	-28.65	10.36	84.24
Cash From Operations, 3 Yr. CAGR %	-56	340.75	-27.37	135.72	-17.75
Capital Expenditures, 3 Yr. CAGR %	-50.98	-54.08	-56.98	4.34	160.79
Levered Free Cash Flow, 3 Yr. CAGR %	-28.93	-24.1	24.81	34.92	-46.86
Unlevered Free Cash Flow, 3 Yr. CAGR %	-28.93	-24.1	24.81	34.92	-46.86
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	5.09	-0.58	-4.44	1.73	9.47
Gross Profit, 5 Yr. CAGR %	-1.59	-9.05	-18.96	7.42	12.53
EBITDA, 5 Yr. CAGR %	-32.02	-25.22	-7.42	-12.74	22.17
EBITA, 5 Yr. CAGR %	-17.99	-41.79	-3.75	-15.67	37.64
EBIT, 5 Yr. CAGR %	-17.99	-41.79	-3.75	-15.67	37.64
Earnings From Cont. Operations, 5 Yr. CAGR %	-14.94	-33.49	-2.42	-22.27	107.42
Net Income, 5 Yr. CAGR %	-14.94	-33.49	-2.42	-22.27	107.42
Normalized Net Income, 5 Yr. CAGR %	-17.99	-41.79	-3.8	-15.67	37.64
Diluted EPS Before Extra, 5 Yr. CAGR %	-14.94	-33.49	-2.42	-48.99	36.65
Net Property, Plant and Equip., 5 Yr. CAGR %	78.96	-56.18	-57.41	-52.59	-35.73
Accounts Receivable, 5 Yr. CAGR %	3.22	4.56	-	-	-
Total Assets, 5 Yr. CAGR %	8.22	1.21	-7.51	-2.39	0.58
Common Equity, 5 Yr. CAGR %	-2.81	-3.35	-24.81	8.83	9.34
Tangible Book Value, 5 Yr. CAGR %	-2.9	-3.23	-24.17	9.67	9.89
Cash From Operations, 5 Yr. CAGR %	-39.78	-6.83	-22.63	218.11	-16.76
Capital Expenditures, 5 Yr. CAGR %	23.55	-63.96	-50.8	-23.28	19.01
Levered Free Cash Flow, 5 Yr. CAGR %	12.48	-19.91	-27.41	10.21	17.46
Unlevered Free Cash Flow, 5 Yr. CAGR %	12.48	-19.91	-27.41	10.21	17.46