Abu Dhabi National Insurance Company PJSC (ADX:ADNIC)

ADX:ADNIC Financials Overview

Financials in millions AED. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	12,440	9,727	12,310	6,922	6,338	1,799
Revenue Growth	9.10%	-20.98%	77.82%	9.23%	252.30%	7.88%
Operating Income Operating Income Growth	485.24	521.39	454.59	403.32	350.06	418.78
Net Income Net Income Growth	459.58	475.05	416.81	401.16	357.59	401.8
Earnings Per Share EPS Growth	0.81	0.83	0.73	0.70	0.63	0.70
EPS Growth	4.36%	13.97%	3.90%	12.19%	-11.00%	8.30%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Commercial Commercial Growth	5,704	4,891	7,955	3,920	3,764	527.85
Consumer Consumer Growth	4,707	4,589	4,125	2,786	2,441	1,110
Unallocated Investment Income Net Unallocated Investment Income Net Growth	290.59	296.89	272.72	206.69	144.24	144.19
Unallocated Net Insurance Finance (Expense)/Income Unallocated Net Insurance Finance (Expense)/Income Growth	-31	-38.3	-31	7.67	-	-
Total Total Growth	10,671	9,738	12,321	6,920	6,349	1,782

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	519.76	652.95	358.3	1,036	692.58	778.55
Total Debt Total Debt Growth	-	-	-	-	44.4	56.39
Net Cash (Debt) Net Cash Growth	519.76	652.95	358.3	1,036	648.18	722.16
Net Cash Growth	-5.72%	82.23%	-65.40%	59.77%	-10.24%	21.31%
Net Cash Per Share Net Cash Per Share Growth	0.91	1.15	0.63	1.82	1.14	1.27

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	233.15	443.57	43.46	299.6	335.4	550.66
Capital Expenditures CapEx Growth	-35.02	-28.81	-19.7	-16.13	-19.4	-26.96
Free Cash Flow Free Cash Flow Growth	198.13	414.76	23.76	283.47	316	523.7
Free Cash Flow Growth	-	1645.91%	-91.62%	-10.29%	-39.66%	200.92%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	3.90%	5.36%	3.69%	5.83%	5.52%	23.28%
Pretax Margin	3.99%	5.48%	3.79%	5.80%	5.64%	22.34%
Profit Margin	3.69%	4.88%	3.39%	5.79%	5.64%	22.34%
FCF Margin	1.59%	4.26%	0.19%	4.09%	4.99%	29.11%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 13, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.470	0.470	0.450	0.450	0.400	0.400
Dividend Per Share Growth	4.44%	4.44%	0%	12.50%	0%	14.29%
Dividend Yield	6.74%	7.14%	8.48%	9.30%	8.52%	8.33%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 13, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	8.62	8.45	8.34	8.48	9.88	9.51
Forward PE	-	7.82	7.82	7.82	7.82	8.20
P/FCF Ratio	19.99	9.68	146.36	12.00	11.18	7.29
PS Ratio	0.32	0.41	0.28	0.49	0.56	2.12

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 13, 2026

Data Sources Report a data error