Al Fujairah National Insurance Company P.J.S.C (ADX:AFNIC)

ADX:AFNIC Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	280	280	280	280	280	298
Market Cap Growth	0%	-	-	-	-6.25%	-0.60%
Enterprise Value	260	254	225	217	273	297
PE Ratio	3.78	3.91	11.17	-	-	15.96
PS Ratio	0.39	0.40	0.62	0.95	1.15	1.57
PB Ratio	0.66	0.69	0.92	0.93	0.96	0.88
P/FCF Ratio	2.20	1.71	2.78	5.73	67.57	55.44
P/OCF Ratio	2.16	1.69	2.74	5.57	54.10	38.93
EV/Sales Ratio	0.36	0.36	0.50	0.74	1.12	1.56
EV/EBITDA Ratio	2.64	3.08	7.78	-	-	14.14
EV/EBIT Ratio	3.14	3.18	8.63	-	-	17.21
EV/FCF Ratio	2.05	1.56	2.24	4.44	65.91	55.16
Debt / Equity Ratio	0.02	0.03	0.07	0.04	0.04	0.08
Debt / EBITDA Ratio	0.10	0.12	0.54	2.33	-	0.75
Debt / FCF Ratio	0.08	0.07	0.22	0.22	2.87	4.83
Net Debt / Equity Ratio	-0.05	-0.16	-0.34	-0.10	-0.09	-0.04
Net Debt / EBITDA Ratio	-0.23	-0.78	-3.56	4.37	1.63	-0.56
Net Debt / FCF Ratio	-0.15	-0.39	-1.02	-0.60	-6.46	-2.19
Quick Ratio	5.23	0.60	0.79	0.51	-	0.42
Current Ratio	17.77	1.02	1.51	1.16	-	0.85
Asset Turnover	0.77	0.77	0.60	0.47	0.40	0.30
Return on Equity (ROE)	19.69%	20.14%	8.27%	-2.69%	-6.63%	5.71%
Return on Assets (ROA)	5.49%	5.53%	2.16%	-1.02%	-2.07%	1.69%
Return on Invested Capital (ROIC)	17.93%	19.79%	7.61%	-3.33%	-6.09%	4.91%
Earnings Yield	26.47%	25.57%	8.95%	-2.85%	-7.48%	6.27%
FCF Yield	45.42%	58.33%	36.02%	17.46%	1.48%	1.80%
Dividend Yield	4.76%	5.00%	-	-	-	4.91%
Payout Ratio	17.99%	-	-	-	-	97.13%
Total Shareholder Return	4.76%	5.00%	-	-	-	4.91%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.