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 388.08 million. The enterprise value is 417.97 million.

Market Cap	388.08M
Enterprise Value	417.97M

Important Dates

The last earnings date was Thursday, October 23, 2025.

Earnings Date	Oct 23, 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 10.82.

PE Ratio	10.82
Forward PE	n/a
PS Ratio	1.15
PB Ratio	1.79
P/TBV Ratio	1.81
P/FCF Ratio	7.16
P/OCF Ratio	7.10
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.39, with an EV/FCF ratio of 7.71.

EV / Earnings	11.66
EV / Sales	1.24
EV / EBITDA	10.39
EV / EBIT	10.48
EV / FCF	7.71

Financial Position

The company has a current ratio of 5.09, with a Debt / Equity ratio of 0.17.

Current Ratio	5.09
Quick Ratio	0.56
Debt / Equity	0.17
Debt / EBITDA	0.93
Debt / FCF	0.69
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 18.27% and return on invested capital (ROIC) is 9.98%.

Return on Equity (ROE)	18.27%
Return on Assets (ROA)	2.99%
Return on Invested Capital (ROIC)	9.98%
Return on Capital Employed (ROCE)	4.99%
Revenue Per Employee	2.02M
Profits Per Employee	214,737
Employee Count	167
Asset Turnover	0.41
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:RAKNIC has paid 4.03 million in taxes.

Income Tax	4.03M
Effective Tax Rate	10.11%

Stock Price Statistics

The stock price has increased by +6.67% in the last 52 weeks. The beta is 0.38, so ADX:RAKNIC's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	+6.67%
50-Day Moving Average	3.29
200-Day Moving Average	3.29
Relative Strength Index (RSI)	0.87
Average Volume (20 Days)	164

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 338.01 million and earned 35.86 million in profits. Earnings per share was 0.30.

Revenue	338.01M
Gross Profit	53.40M
Operating Income	39.89M
Pretax Income	39.89M
Net Income	35.86M
EBITDA	40.23M
EBIT	39.89M
Earnings Per Share (EPS)	0.30

Balance Sheet

The company has 38.25 million in cash and 37.36 million in debt, giving a net cash position of -29.89 million or -0.25 per share.

Cash & Cash Equivalents	38.25M
Total Debt	37.36M
Net Cash	-29.89M
Net Cash Per Share	-0.25
Equity (Book Value)	216.93M
Book Value Per Share	1.79
Working Capital	310.72M

Cash Flow

In the last 12 months, operating cash flow was 54.65 million and capital expenditures -469,068, giving a free cash flow of 54.18 million.

Operating Cash Flow	54.65M
Capital Expenditures	-469,068
Free Cash Flow	54.18M
FCF Per Share	0.45

Margins

Gross margin is 15.80%, with operating and profit margins of 11.80% and 10.61%.

Gross Margin	15.80%
Operating Margin	11.80%
Pretax Margin	11.80%
Profit Margin	10.61%
EBITDA Margin	11.90%
EBIT Margin	11.80%
FCF Margin	16.03%

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	9.24%
FCF Yield	13.96%

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	5