Ras Al Khaimah National Insurance Company P.S.C. (ADX:RAKNIC)

United Arab Emirates · Delayed Price · Currency is AED

2.970

0.00 (0.00%)

At close: Nov 2, 2026

ADX:RAKNIC Financials Overview

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

Millions AED. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	352.4	338	308.94	289.84	292.03	305.63
Revenue Growth	4.25%	9.40%	6.59%	-0.75%	-4.45%	-22.30%
Operating Income	67.26	48.23	16.93	14.54	-35.46	7.04
Net Income	60.97	43.19	15.44	14.54	-35.46	10.47
Earnings Per Share	0.50	0.36	0.13	0.12	-0.29	0.09
EPS Growth	70.00%	179.78%	6.17%	-	-	-22.29%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Life and Medical	194.54	166	180.94	198.31	216.02	231.35
Motor and General	160.67	172	128	91.53	76.02	72.23
Total	355.21	338	308.94	289.84	292.03	303.58

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	38.71	11.45	117.51	28.51	9.63	57.39
Total Debt	-	-	74.91	59.38	50	33.06
Net Cash (Debt)	38.71	11.45	42.6	-30.88	-40.37	24.34
Net Cash Growth	-	-73.12%	-	-	-	-18.01%
Net Cash Per Share	0.32	0.09	0.35	-0.25	-0.33	0.20

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	79.39	37.23	79.48	-14.72	13.8	25.22
Capital Expenditures	-0.7	-0.61	-0.64	-0.14	-0.23	-0.56
Free Cash Flow	78.69	36.62	78.85	-14.86	13.57	24.66
Free Cash Flow Growth	45.24%	-53.56%	-	-	-44.98%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	19.09%	14.27%	5.48%	5.02%	-12.14%	2.30%
Pretax Margin	19.09%	14.27%	5.48%	5.02%	-12.14%	3.43%
Profit Margin	17.30%	12.78%	5.00%	5.02%	-12.14%	3.43%
FCF Margin	22.33%	10.83%	25.52%	-5.13%	4.65%	8.07%

Dividends

Fiscal Year	FY 2021
Period Ending	Dec '21 Dec 31, 2021
Dividend Per Share	0.080
Dividend Per Share Growth	0%
Dividend Yield	2.29%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	5.91	8.99	25.92	30.86	-	40.53
P/FCF Ratio	4.58	10.60	5.08	-	40.22	17.21
PS Ratio	1.02	1.15	1.30	1.55	1.87	1.39