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

ADX:RAKNIC Statistics

Total Valuation

ADX:RAKNIC has a market cap or net worth of AED 400.21 million. The enterprise value is 375.92 million.

Market Cap	400.21M
Enterprise Value	375.92M

Important Dates

The last earnings date was Friday, August 1, 2025.

Earnings Date	Aug 1, 2025
Ex-Dividend Date	n/a

Share Statistics

ADX:RAKNIC has 121.28 million shares outstanding.

Current Share Class	121.28M
Shares Outstanding	121.28M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	16.00%
Owned by Institutions (%)	n/a
Float	5.78M

Valuation Ratios

The trailing PE ratio is 10.59.

PE Ratio	10.59
Forward PE	n/a
PS Ratio	1.22
PB Ratio	1.94
P/TBV Ratio	1.97
P/FCF Ratio	5.56
P/OCF Ratio	5.51
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.98, with an EV/FCF ratio of 5.23.

EV / Earnings	9.95
EV / Sales	1.14
EV / EBITDA	8.98
EV / EBIT	9.06
EV / FCF	5.23

Financial Position

The company has a current ratio of 9.64

Current Ratio	9.64
Quick Ratio	0.87
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.61% and return on invested capital (ROIC) is 11.88%.

Return on Equity (ROE)	20.61%
Return on Assets (ROA)	3.45%
Return on Invested Capital (ROIC)	11.88%
Return on Capital Employed (ROCE)	5.78%
Revenue Per Employee	1.97M
Profits Per Employee	226,292
Employee Count	167
Asset Turnover	0.44
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:RAKNIC has paid 3.70 million in taxes.

Income Tax	3.70M
Effective Tax Rate	8.91%

Stock Price Statistics

The stock price has increased by +10.00% in the last 52 weeks. The beta is 0.40, so ADX:RAKNIC's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	+10.00%
50-Day Moving Average	3.29
200-Day Moving Average	3.27
Relative Strength Index (RSI)	55.54
Average Volume (20 Days)	81

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:RAKNIC had revenue of AED 329.19 million and earned 37.79 million in profits. Earnings per share was 0.31.

Revenue	329.19M
Gross Profit	54.26M
Operating Income	41.49M
Pretax Income	41.49M
Net Income	37.79M
EBITDA	41.84M
EBIT	41.49M
Earnings Per Share (EPS)	0.31

Balance Sheet

The company has 24.29 million in cash and n/a in debt, giving a net cash position of 24.29 million or 0.20 per share.

Cash & Cash Equivalents	24.29M
Total Debt	n/a
Net Cash	24.29M
Net Cash Per Share	0.20
Equity (Book Value)	205.79M
Book Value Per Share	1.70
Working Capital	264.65M

Cash Flow

In the last 12 months, operating cash flow was 72.61 million and capital expenditures -689,772, giving a free cash flow of 71.92 million.

Operating Cash Flow	72.61M
Capital Expenditures	-689,772
Free Cash Flow	71.92M
FCF Per Share	0.59

Margins

Gross margin is 16.48%, with operating and profit margins of 12.60% and 11.48%.

Gross Margin	16.48%
Operating Margin	12.60%
Pretax Margin	12.60%
Profit Margin	11.48%
EBITDA Margin	12.71%
EBIT Margin	12.60%
FCF Margin	21.85%

Dividends & Yields

ADX:RAKNIC 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	9.44%
FCF Yield	17.97%

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 9, 2020. It was a forward split with a ratio of 1.05.

Last Split Date	Apr 9, 2020
Split Type	Forward
Split Ratio	1.05

Scores

Altman Z-Score	n/a
Piotroski F-Score	6