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

ADX:AFNIC Statistics

Total Valuation

ADX:AFNIC has a market cap or net worth of AED 279.51 million. The enterprise value is 215.08 million.

Market Cap	279.51M
Enterprise Value	215.08M

Important Dates

The last earnings date was Monday, February 16, 2026.

Earnings Date	Feb 16, 2026
Ex-Dividend Date	Apr 1, 2026

Share Statistics

ADX:AFNIC has 1.33 million shares outstanding.

Current Share Class	1.33M
Shares Outstanding	1.33M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	41,128

Valuation Ratios

The trailing PE ratio is 3.91.

PE Ratio	3.91
Forward PE	n/a
PS Ratio	0.40
PB Ratio	0.69
P/TBV Ratio	0.69
P/FCF Ratio	1.71
P/OCF Ratio	1.69
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.25, with an EV/FCF ratio of 1.32.

EV / Earnings	3.01
EV / Sales	0.31
EV / EBITDA	2.25
EV / EBIT	2.69
EV / FCF	1.32

Financial Position

The company has a current ratio of 1.06, with a Debt / Equity ratio of 0.03.

Current Ratio	1.06
Quick Ratio	0.62
Debt / Equity	0.03
Debt / EBITDA	0.12
Debt / FCF	0.07
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.14% and return on invested capital (ROIC) is 18.25%.

Return on Equity (ROE)	20.14%
Return on Assets (ROA)	5.53%
Return on Invested Capital (ROIC)	18.25%
Return on Capital Employed (ROCE)	11.43%
Weighted Average Cost of Capital (WACC)	4.15%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.77
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:AFNIC has paid 6.34 million in taxes.

Income Tax	6.34M
Effective Tax Rate	8.15%

Stock Price Statistics

Beta (5Y)	0.01
52-Week Price Change	n/a
50-Day Moving Average	210.00
200-Day Moving Average	210.00
Relative Strength Index (RSI)	0.00
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ADX:AFNIC had revenue of AED 699.07 million and earned 71.48 million in profits. Earnings per share was 53.70.

Revenue	699.07M
Gross Profit	90.24M
Operating Income	80.07M
Pretax Income	77.82M
Net Income	71.48M
EBITDA	82.68M
EBIT	80.07M
Earnings Per Share (EPS)	53.70

Balance Sheet

The company has 164.31 million in cash and 11.57 million in debt, with a net cash position of 64.43 million or 48.40 per share.

Cash & Cash Equivalents	164.31M
Total Debt	11.57M
Net Cash	64.43M
Net Cash Per Share	48.40
Equity (Book Value)	405.80M
Book Value Per Share	304.89
Working Capital	17.25M

Cash Flow

In the last 12 months, operating cash flow was 165.55 million and capital expenditures -2.50 million, giving a free cash flow of 163.05 million.

Operating Cash Flow	165.55M
Capital Expenditures	-2.50M
Free Cash Flow	163.05M
FCF Per Share	122.50

Margins

Gross margin is 12.91%, with operating and profit margins of 11.45% and 10.23%.

Gross Margin	12.91%
Operating Margin	11.45%
Pretax Margin	11.13%
Profit Margin	10.23%
EBITDA Margin	11.83%
EBIT Margin	11.45%
FCF Margin	23.32%

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 4.76%.

Dividend Per Share	10.00
Dividend Yield	4.76%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	4.76%
Earnings Yield	25.57%
FCF Yield	58.33%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 29, 2021. It was a forward split with a ratio of 1.1.

Last Split Date	Apr 29, 2021
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5