ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hayah Insurance Co. PJSC ?
1
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 31.01%, its profits have risen by 182% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Hayah Insurance Co. PJSC for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Hayah Insurance Co. PJSC
-100.0%
1.07
48.77%
Abu Dhabi Securities Exchange
-1.41%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
30.40%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
3.13%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
2.50%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
148
Industry P/E
Price to Book Value
2.01
EV to EBIT
NA
EV to EBITDA
101.40
EV to Capital Employed
2.60
EV to Sales
1.48
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
1.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
NET PROFIT(HY)
Higher at AED 5.71 MM
ROCE(HY)
Highest at 1.91%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at -35.23 %
NET SALES(Q)
Highest at AED 49.38 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at AED -10.45 MM
Here's what is working for Hayah Insurance Co. PJSC
Net Profit
At AED 5.71 MM has Grown at 314.15%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (AED MM)
Net Profit
Higher at AED 5.71 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (AED MM)
Net Sales
Highest at AED 49.38 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Net Sales
At AED 49.38 MM has Grown at 58.4%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Debt-Equity Ratio
Lowest at -35.23 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Hayah Insurance Co. PJSC
Operating Cash Flow
Lowest at AED -10.45 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (AED MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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