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	Sep 16, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	198	215	209	238	232	248
Market Cap Growth	9.43%	2.85%	-12.22%	2.86%	-6.67%	-16.67%
Enterprise Value	183	196	56	220	192	193
PE Ratio	-	-86.78	83.47	18.03	-58.86	11.56
PS Ratio	0.71	0.81	0.68	0.60	0.58	0.51
PB Ratio	0.91	1.05	1.01	1.01	1.04	0.76
P/FCF Ratio	-15.99	5.52	153.11	-37.62	35.34	2.76
P/OCF Ratio	-17.41	5.39	80.63	-54.85	25.04	2.71
EV/Sales Ratio	0.66	0.73	0.18	0.55	0.48	0.39
EV/EBITDA Ratio	47.57	73.83	7.16	12.08	108.35	6.97
EV/EBIT Ratio	-5.72	-79.04	22.53	16.63	-51.82	8.26
EV/FCF Ratio	-13.59	5.03	41.33	-34.72	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	-0.01	0.49	0.11
Quick Ratio	7.57	0.26	0.48	0.35	0.44	0.39
Current Ratio	53.43	1.07	1.33	1.08	1.00	0.82
Asset Turnover	0.18	0.18	0.17	0.22	0.23	0.28
Return on Equity (ROE)	-1.38%	-1.20%	1.13%	5.78%	-1.44%	6.86%
Return on Assets (ROA)	-0.07%	-0.10%	0.09%	0.46%	-0.13%	0.85%
Return on Capital (ROIC)	-0.51%	-0.73%	0.70%	3.59%	-0.82%	4.56%
Earnings Yield	-1.52%	-1.15%	1.20%	5.55%	-1.70%	8.65%
FCF Yield	-6.78%	18.11%	0.65%	-2.66%	2.83%	36.22%
Buyback Yield / Dilution	-	-	-	0.00%	-
Total Shareholder Return	-	-	-	0.00%	-

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