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Al Fujairah National Insurance Company P.J.S.C (ADX:AFNIC)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
230.00
+20.00 (9.52%)
At close: Sep 2, 2026

ADX:AFNIC Financials Overview

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
736.15699.07449.72293.35243.52190.2
Revenue Growth
24.60%55.45%53.31%20.46%28.03%-15.10%
Operating Income
97.6280.0726.08-10.24-20.3717.23
Net Income
87.5971.4825.03-7.98-20.9118.69
Earnings Per Share
65.8153.7018.80-5.99-15.7114.04
EPS Growth
80.61%185.63%----49.41%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22
Motor and General
424.99376.8340.63204.2769.39
Life and Medical
202.33213.44110.363.39192.36
Total
627.32590.24450.93267.66261.75

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
42.6475.99124.940.1438.637.79
Total Debt
8.2911.5722.0210.8911.8725.99
Net Cash (Debt)
34.3464.43102.8829.2526.7311.8
Net Cash Growth
-43.05%-37.38%251.77%9.43%126.42%-10.38%
Net Cash Per Share
25.8048.4077.3021.9720.088.87

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
105.36165.55102.1150.155.177.66
Capital Expenditures
-1.71-2.5-1.45-1.34-1.03-2.28
Free Cash Flow
103.65163.05100.6748.814.145.38
Free Cash Flow Growth
-40.58%61.97%106.24%1079.90%-23.07%-69.55%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
13.26%11.45%5.80%-3.49%-8.37%9.06%
Pretax Margin
12.96%11.13%5.97%-2.72%-8.59%9.82%
Profit Margin
11.90%10.22%5.56%-2.72%-8.59%9.82%
FCF Margin
14.08%23.32%22.38%16.64%1.70%2.83%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
10.00010.000---10.000
Dividend Per Share Growth
0%-----26.67%
Dividend Yield
4.76%5.00%---4.91%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.493.9111.17--15.96
P/FCF Ratio
2.951.712.785.7367.5755.44
PS Ratio
0.420.400.620.951.151.57