Union Insurance Company P.J.S.C. (ADX:UNION)

United Arab Emirates · Delayed Price · Currency is AED

1.310

0.00 (0.00%)

At close: Aug 13, 2026

ADX:UNION 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	Jun '26 Jun 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	365.6	321.01	267.26	266.68	306.2	397.12
Revenue Growth	29.92%	20.11%	0.22%	-12.91%	-22.89%	-0.96%
Operating Income	52.35	48.81	27.84	-2.48	2.51	13.22
Net Income	49.1	45.98	38.31	-2.48	2.51	13.22
Earnings Per Share	0.20	0.18	0.15	-0.01	0.01	0.05
EPS Growth	1.77%	20.02%	-	-	-81.04%	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
General Insurance	348.92	305.51	248.95	236.22	231.92	329.64
Life Insurance	16.67	15.5	18.32	30.46	74.28	62.05
Total	365.6	321.01	267.26	266.68	306.2	397.12

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	86.43	30.85	13.92	38.29	205.67	91.88
Total Debt	-	3.17	0.72	3.82	6.86	0.03
Net Cash (Debt)	86.43	27.68	13.2	34.47	198.81	91.85
Net Cash Growth	101.42%	109.76%	-61.71%	-82.66%	116.45%	4708.85%
Net Cash Per Share	0.34	0.11	0.05	0.14	0.80	0.37

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	64.19	30.6	-25.24	39.89	2.59	-4.34
Capital Expenditures	-0.42	-0.29	-0.59	-0.93	-1.23	-1.99
Free Cash Flow	63.77	30.31	-25.82	38.97	1.37	-6.33
Free Cash Flow Growth	140.80%	-	-	2752.49%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	14.32%	15.20%	10.42%	-0.93%	0.82%	3.33%
Pretax Margin	14.32%	15.21%	15.74%	-0.93%	0.82%	3.33%
Profit Margin	13.43%	14.32%	14.33%	-0.93%	0.82%	3.33%
FCF Margin	17.44%	9.44%	-9.66%	14.61%	0.45%	-1.59%

Dividends

Fiscal Year	Current	FY 2025
Period Ending	Aug '26 Aug 13, 2026	Dec '25 Dec 31, 2025
Dividend Per Share	0.037	0.037
Dividend Per Share Growth	0%	-
Dividend Yield	2.81%	3.43%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 13, 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	6.67	6.00	5.62	-	83.46	18.02
P/FCF Ratio	5.14	9.11	-	5.52	153.11	-
PS Ratio	0.90	0.86	0.81	0.81	0.68	0.60