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 254.42 million.

Market Cap	279.51M
Enterprise Value	254.42M

Important Dates

The last earnings date was Wednesday, November 5, 2025.

Earnings Date	Nov 5, 2025
Ex-Dividend Date	n/a

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 3.96.

PE Ratio	3.96
Forward PE	n/a
PS Ratio	0.43
PB Ratio	0.75
P/TBV Ratio	0.75
P/FCF Ratio	1.84
P/OCF Ratio	1.81
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.79, with an EV/FCF ratio of 1.67.

EV / Earnings	3.60
EV / Sales	0.39
EV / EBITDA	2.79
EV / EBIT	3.37
EV / FCF	1.67

Financial Position

The company has a current ratio of 1.14, with a Debt / Equity ratio of 0.05.

Current Ratio	1.14
Quick Ratio	0.62
Debt / Equity	0.05
Debt / EBITDA	0.18
Debt / FCF	0.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.31% and return on invested capital (ROIC) is 12.79%.

Return on Equity (ROE)	20.31%
Return on Assets (ROA)	5.31%
Return on Invested Capital (ROIC)	12.79%
Return on Capital Employed (ROCE)	11.18%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.73
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:AFNIC has paid 5.74 million in taxes.

Income Tax	5.74M
Effective Tax Rate	7.52%

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 645.99 million and earned 70.63 million in profits. Earnings per share was 53.07.

Revenue	645.99M
Gross Profit	81.41M
Operating Income	75.59M
Pretax Income	76.37M
Net Income	70.63M
EBITDA	78.88M
EBIT	75.59M
Earnings Per Share (EPS)	53.07

Balance Sheet

The company has 142.49 million in cash and 16.78 million in debt, giving a net cash position of 25.09 million or 18.85 per share.

Cash & Cash Equivalents	142.49M
Total Debt	16.78M
Net Cash	25.09M
Net Cash Per Share	18.85
Equity (Book Value)	371.63M
Book Value Per Share	279.21
Working Capital	36.03M

Cash Flow

In the last 12 months, operating cash flow was 154.61 million and capital expenditures -2.70 million, giving a free cash flow of 151.91 million.

Operating Cash Flow	154.61M
Capital Expenditures	-2.70M
Free Cash Flow	151.91M
FCF Per Share	114.13

Margins

Gross margin is 12.60%, with operating and profit margins of 11.70% and 10.93%.

Gross Margin	12.60%
Operating Margin	11.70%
Pretax Margin	11.82%
Profit Margin	10.93%
EBITDA Margin	12.21%
EBIT Margin	11.70%
FCF Margin	23.52%

Dividends & Yields

ADX:AFNIC does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	25.27%
FCF Yield	54.35%

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