DFM/SALAMA (DFM/SALAMA)

Dubai Financial Market: DFM/SALAMA · AED

AED 1.35

-0.03 (-2.2%)· Recorded snapshot

Market cap	1.1B
Revenue (ttm)	1B
Net income (ttm)	25.1M
EPS (ttm)	AED 0.03
Shares out	820M
P/E (trailing)	44.1x
Volume	11,803,209
Beta	0.40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1B
Net income (ttm): 25.1M
EPS (ttm): AED 0.03
P/E (trailing): 44.1x
Market cap: 1.1B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 13:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E44.1

P25 n/aP50 n/aP75 n/a

ROE7.1

P25 n/aP50 n/aP75 n/a

ROIC5.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All DFM/SALAMA indicators

Market & fundamental data

Available fields

204

Groups with data

Currency

AED

Showing 204 of 204 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AED
Country	United Arab Emirates
Country code	AE
Earnings date	2026-11-13
Enterprise value	AED 1B
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1979
Industry	Insurance - Diversified
Is primary listing	Yes
ISIN number	AEI000301012
Last earnings date	2026-02-10
Last refreshed	2026-10-29
Last stock split date	2026-01-09
Last stock split type	Reverse
Market cap	AED 1.1B
Next earnings date	2026-11-13
Price	AED 1.35
Price currency	AED
Sector	Financials
SIC code	6331
Stock price date	2026-10-29
Symbol	dfm/SALAMA
Website	https://salama.ae

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	84.86x
Average P/E ratio (3Y)	118.38x
Average P/E ratio (5Y)	79.14x
Earnings yield	2.27%
EV/Earnings	41.35x
EV/EBIT	28.99x
EV/EBITDA	25.56x
EV/Sales	1.03x
FCF / EV yield	-10.92%
FCF yield	-10.01%
Graham number	0.62756
Graham upside	-52.46%
Industry P/E	8.28x
Lynch fair value	AED 0.15
Lynch upside	-88.41%
P/B ratio	2.13x
P/E ratio	44.12x
P/S ratio	1.12x
Price / tangible book value	2.82x
Price/EBITDA ratio	29.1x
Sector forward P/E	7.66x
Sector P/E	8.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	3.56%
EBITDA margin	3.87%
Effective tax rate	17.45%
Gross margin	7.68%
Operating margin	3.56%
Pretax margin	3.76%
Profit margin	2.49%
ROA	0.68%
ROA (5Y)	0.24%
ROCE	1.28%
ROE	7.07%
ROE (5Y)	-0.71%
ROIC	5.64%
ROIC (5Y)	1.53%
Tax / revenue	0.66%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	85.13%
EPS growth (Q)	56.72%
EPS growth (QoQ)	-3.63%
EPS growth 3Y	19.86%
EPS growth 5Y	-36.58%
FCF growth (Q)	109.29%
Net income growth	214.28%
Net income growth (Q)	138.41%
Net income growth (QoQ)	46.19%
Net income growth 3Y	40.01%
Net income growth 5Y	-29.5%
OCF growth (Q)	113.89%
Revenue growth	-5.55%
Revenue growth (Q)	-4.56%
Revenue growth (QoQ)	6.68%
Revenue growth 10Y	2.24%
Revenue growth 3Y	-2.99%
Revenue growth 5Y	2.9%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AED -4.3M
EBIT	AED 35.8M
EBITDA	AED 38.9M
EPS	AED 0.03
FCF per share	AED -0.14
Financing cash flow	AED 150.8M
Free cash flow	AED -113.3M
Gross profit	AED 77.2M
Income taxes	AED 6.6M
Investing cash flow	AED -60M
Net borrowing	AED -83,000
Net cash flow	AED -18.2M
Net income	AED 25.1M
Operating income	AED 35.8M
Revenue	AED 1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AED 0.57
Debt / EBITDA	0.12
Debt / equity	0.01
Net cash (debt)	AED 156.6M
Net cash / market cap	13.84%
Net cash growth	-10.29%
Net debt / EBITDA	-4.03
Net debt / equity	-0.29
Piotroski F-Score	3
Property, plant and equipment	AED 66.7M
Shareholders' equity	AED 531.6M
Tangible book value	AED 401.1M
Tangible book value per share	AED 0.49
Total assets	AED 3.4B
Total cash	AED 173.5M
Total debt	AED 5M
Total liabilities	AED 2.8B
WACC	6.44%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.31
Current ratio	1.74
Net working capital	AED 258.5M
Quick ratio	0.37
Working capital	AED 420.1M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-69.76%
Dividend per share	AED 0.00
Last dividend	AED 0.05
Shareholder yield	-69.76%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	21.4%
10Y return CAGR	4.25%
10Y total return	51.63%
150-day SMA	AED 1.02
15Y price change	-11.94%
15Y return CAGR	0.64%
15Y total return	10.01%
1D price change	-2.17%
1M price change	-21.51%
1M total return	-21.51%
1W price change	-13.74%
1W total return	-13.74%
1Y price change	78.01%
1Y return CAGR	78.07%
1Y total return	78%
20-day SMA	AED 1.67
200-day SMA	AED 0.93
20Y price change	-83.23%
20Y return CAGR	-7.52%
20Y total return	-79.06%
3M price change	42.41%
3M total return	42.41%
3Y price change	19.79%
3Y return CAGR	6.2%
3Y total return	19.77%
50-day SMA	AED 1.58
50-day SMA vs 200-day SMA	50over200
52-week high	AED 1.85
52-week high date	2026-10-19
52-week low	AED 0.49
52-week low date	2026-03-17
5Y price change	-26.83%
5Y return CAGR	-5.51%
5Y total return	-24.68%
6M price change	146.8%
6M total return	146.8%
All-time high	AED 18.30
All-time high date	2005-09-17
All-time low	AED 0.49
All-time low date	2026-03-17
Average true range (ATR)	AED 0.07
Average volume	10.9M
Beta (1Y)	1.04
Beta (2Y)	0.65
Beta (5Y)	0.4
Change from 52-week high	-27.03%
Change from 52-week low	174.95%
Change from all-time high	-92.62%
Change from all-time low	174.95%
Change from open	0.75%
Day's gap	-2.9%
Dollar volume	AED 15.9M
High price	AED 1.39
Low price	AED 1.32
Monthly RSI	61.7
Open price	AED 1.34
Position in 52-week range	46.67%
Previous close	AED 1.38
Price vs 150-day SMA	32.87%
Price vs 20-day SMA	-19.21%
Price vs 200-day SMA	44.42%
Price vs 50-day SMA	-14.29%
Relative volume	1.09
RSI	26.92
Sharpe ratio	1.27
Sharpe ratio (3Y)	0.25
Sharpe ratio (5Y)	-0.07
Sortino ratio	2.44
Sortino ratio (3Y)	0.58
Sortino ratio (5Y)	0.05
Volume	11.8M
Weekly RSI	56.46
YTD price change	76.22%
YTD total return	76.23%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	360.7M
Shares change (QoQ)	51.69%
Shares change (YoY)	69.76%
Shares held by insiders	0.02%
Shares held by institutions	0.5%
Shares outstanding	820M

Deeper analysis on DFM/SALAMA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

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Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this DFM/SALAMA report

Is a complete DFM/SALAMA research report available?

No complete published report is available for dfm/SALAMA (DFM/SALAMA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

1.1B

Revenue (ttm)

Net income (ttm)

25.1M

EPS (ttm)

AED 0.03

Shares out

820M

P/E (trailing)

44.1x

Volume

11,803,209

Beta

0.40

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-11-13

Enterprise value

AED 1B

Exchange

Dubai Financial Market

Financial currency

AED

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1979

Industry

Insurance - Diversified

Is primary listing

Yes

ISIN number

AEI000301012

Last earnings date

2026-02-10

Last refreshed

2026-10-29

Last stock split date

2026-01-09

Last stock split type

Reverse

Market cap

AED 1.1B

Next earnings date

2026-11-13

Price

AED 1.35

Price currency

AED

Sector

Financials

SIC code

6331

Stock price date

2026-10-29

Symbol

dfm/SALAMA

Website

https://salama.ae

Metric

Value

Average P/E ratio (10Y)

84.86x

Average P/E ratio (3Y)

118.38x

Average P/E ratio (5Y)

79.14x

Earnings yield

2.27%

EV/Earnings

41.35x

EV/EBIT

28.99x

EV/EBITDA

25.56x

EV/Sales

1.03x

FCF / EV yield

-10.92%

FCF yield

-10.01%

Graham number

0.62756

Graham upside

-52.46%

Industry P/E

8.28x

Lynch fair value

AED 0.15

Lynch upside

-88.41%

P/B ratio

2.13x

P/E ratio

44.12x

P/S ratio

1.12x

Price / tangible book value

2.82x

Price/EBITDA ratio

29.1x

Sector forward P/E

7.66x

Sector P/E

8.02x

Metric

Value

EBIT margin

3.56%

EBITDA margin

3.87%

Effective tax rate

17.45%

Gross margin

7.68%

Operating margin

3.56%

Pretax margin

3.76%

Profit margin

2.49%

ROA

0.68%

ROA (5Y)

0.24%

ROCE

1.28%

ROE

7.07%

ROE (5Y)

-0.71%

ROIC

5.64%

ROIC (5Y)

1.53%

Tax / revenue

0.66%

Metric

Value

EPS growth

85.13%

EPS growth (Q)

56.72%

EPS growth (QoQ)

-3.63%

EPS growth 3Y

19.86%

EPS growth 5Y

-36.58%

FCF growth (Q)

109.29%

Net income growth

214.28%

Net income growth (Q)

138.41%

Net income growth (QoQ)

46.19%

Net income growth 3Y

40.01%

Net income growth 5Y

-29.5%

OCF growth (Q)

113.89%

Revenue growth

-5.55%

Revenue growth (Q)

-4.56%

Revenue growth (QoQ)

6.68%

Revenue growth 10Y

2.24%

Revenue growth 3Y

-2.99%

Revenue growth 5Y

2.9%

Metric

Value

Capital expenditures

AED -4.3M

EBIT

AED 35.8M

EBITDA

AED 38.9M

EPS

AED 0.03

FCF per share

AED -0.14

Financing cash flow

AED 150.8M

Free cash flow

AED -113.3M

Gross profit

AED 77.2M

Income taxes

AED 6.6M

Investing cash flow

AED -60M

Net borrowing

AED -83,000

Net cash flow

AED -18.2M

Net income

AED 25.1M

Operating income

AED 35.8M

Revenue

AED 1B

Metric

Value

Book value per share

AED 0.57

Debt / EBITDA

0.12

Debt / equity

0.01

Net cash (debt)

AED 156.6M

Net cash / market cap

13.84%

Net cash growth

-10.29%

Net debt / EBITDA

-4.03

Net debt / equity

-0.29

Piotroski F-Score

Property, plant and equipment

AED 66.7M

Shareholders' equity

AED 531.6M

Tangible book value

AED 401.1M

Tangible book value per share

AED 0.49

Total assets

AED 3.4B

Total cash

AED 173.5M

Total debt

AED 5M

Total liabilities

AED 2.8B

WACC

6.44%

Metric

Value

Asset turnover

0.31

Current ratio

1.74

Net working capital

AED 258.5M

Quick ratio

0.37

Working capital

AED 420.1M

Metric

Value

Buyback yield / dilution

-69.76%

Dividend per share

AED 0.00

Last dividend

AED 0.05

Shareholder yield

-69.76%

Metric

Value

10Y price change

21.4%

10Y return CAGR

4.25%

10Y total return

51.63%

150-day SMA

AED 1.02

15Y price change

-11.94%

15Y return CAGR

0.64%

15Y total return

10.01%

1D price change

-2.17%

1M price change

-21.51%

1M total return

-21.51%

1W price change

-13.74%

1W total return

-13.74%

1Y price change

78.01%

1Y return CAGR

78.07%

1Y total return

78%

20-day SMA

AED 1.67

200-day SMA

AED 0.93

20Y price change

-83.23%

20Y return CAGR

-7.52%

20Y total return

-79.06%

3M price change

42.41%

3M total return

42.41%

3Y price change

19.79%

3Y return CAGR

6.2%

3Y total return

19.77%

50-day SMA

AED 1.58

50-day SMA vs 200-day SMA

50over200

52-week high

AED 1.85

52-week high date

2026-10-19

52-week low

AED 0.49

52-week low date

2026-03-17

5Y price change

-26.83%

5Y return CAGR

-5.51%

5Y total return

-24.68%

6M price change

146.8%

6M total return

146.8%

All-time high

AED 18.30

All-time high date

2005-09-17

All-time low

AED 0.49

All-time low date

2026-03-17

Average true range (ATR)

AED 0.07

Average volume

10.9M

Beta (1Y)

1.04

Beta (2Y)

0.65

Beta (5Y)

0.4

Change from 52-week high

-27.03%

Change from 52-week low

174.95%

Change from all-time high

-92.62%

Change from all-time low

174.95%

Change from open

0.75%

Day's gap

-2.9%

Dollar volume

AED 15.9M

High price

AED 1.39

Low price

AED 1.32

Monthly RSI

61.7

Open price

AED 1.34

Position in 52-week range

46.67%

Previous close

AED 1.38

Price vs 150-day SMA

32.87%

Price vs 20-day SMA

-19.21%

Price vs 200-day SMA

44.42%

Price vs 50-day SMA

-14.29%

Relative volume

1.09

RSI

26.92

Sharpe ratio

1.27

Sharpe ratio (3Y)

0.25

Sharpe ratio (5Y)

-0.07

Sortino ratio

2.44

Sortino ratio (3Y)

0.58

Sortino ratio (5Y)

0.05

Volume

11.8M

Weekly RSI

56.46

YTD price change

76.22%

YTD total return

76.23%

Metric

Value

Float

360.7M

Shares change (QoQ)

51.69%

Shares change (YoY)

69.76%

Shares held by insiders

0.02%

Shares held by institutions

0.5%

Shares outstanding

820M

DFM/SALAMA (DFM/SALAMA)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/SALAMA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/SALAMA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DFM/SALAMA

Frequently asked questions

DFM/SALAMA (DFM/SALAMA)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/SALAMA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/SALAMA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DFM/SALAMA

Frequently asked questions