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

UNION Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Nov 15, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	215	215	209	238	232	248
Market Cap Growth	-4.41%	2.85%	-12.22%	2.86%	-6.67%	-16.67%
Enterprise Value	199	196	56	220	192	193
PE Ratio	11.88	-	83.47	18.03	-	11.56
PS Ratio	0.79	0.81	0.68	0.60	0.58	0.51
PB Ratio	0.94	1.05	1.01	1.01	1.04	0.76
P/FCF Ratio	54.60	5.52	153.11	-	35.34	2.76
P/OCF Ratio	47.07	5.39	80.63	-	25.04	2.71
EV/Sales Ratio	0.73	0.73	0.18	0.55	0.48	0.39
EV/EBITDA Ratio	8.07	73.83	7.16	12.08	108.35	6.97
EV/EBIT Ratio	9.78	-	22.53	16.63	-	8.26
EV/FCF Ratio	50.42	5.03	41.33	-	29.27	2.15
Debt / Equity Ratio	-	0.02	0.03	0.00	0.01	0.03
Debt / EBITDA Ratio	-	0.68	0.63	0.00	0.55	0.31
Debt / FCF Ratio	-	0.10	5.02	-	0.49	0.11
Quick Ratio	44.93	0.26	0.48	0.35	0.44	0.39
Current Ratio	546.65	1.07	1.33	1.08	1.00	0.82
Asset Turnover	0.17	0.18	0.17	0.22	0.23	0.28
Return on Equity (ROE)	8.28%	-1.20%	1.13%	5.78%	-1.44%	6.86%
Return on Assets (ROA)	0.82%	-0.10%	0.09%	0.46%	-0.13%	0.85%
Return on Capital (ROIC)	5.80%	-0.73%	0.70%	3.59%	-0.82%	4.56%
Earnings Yield	8.41%	-1.15%	1.20%	5.55%	-1.70%	8.65%
FCF Yield	1.83%	18.11%	0.65%	-2.66%	2.83%	36.22%
Buyback Yield / Dilution	0.29%	-	-	-	0.00%	-
Total Shareholder Return	0.29%	-	-	-	0.00%	-

Source: S&P Capital IQ. Insurance template. Financial Sources.