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

ADX:UNION Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	345	276	215	215	209	238
Market Cap Growth	73.46%	28.31%	-	2.85%	-12.22%	2.86%
Enterprise Value	317	252	199	196	56	220
PE Ratio	7.50	6.00	5.62	-	83.46	18.02
PS Ratio	1.07	0.86	0.81	0.81	0.68	0.60
PB Ratio	1.19	0.95	0.88	1.05	1.01	1.01
P/FCF Ratio	11.38	9.11	-	5.52	153.11	-
P/OCF Ratio	11.28	9.02	-	5.39	80.63	-
EV/Sales Ratio	0.99	0.79	0.74	0.74	0.18	0.55
EV/EBITDA Ratio	6.13	4.96	6.60	73.83	7.16	12.08
EV/EBIT Ratio	6.50	5.17	7.14	-	22.53	16.64
EV/FCF Ratio	10.47	8.32	-	5.03	41.33	-
Debt / Equity Ratio	0.01	0.01	0.00	0.02	0.03	0
Debt / EBITDA Ratio	0.06	0.06	0.02	0.68	0.63	0.00
Debt / FCF Ratio	0.11	0.11	-	0.10	5.02	-
Net Debt / Equity Ratio	-0.10	-0.10	-0.05	-0.17	-0.96	-0.39
Net Debt / EBITDA Ratio	-0.55	-0.55	-0.44	-12.99	-25.23	-5.05
Net Debt / FCF Ratio	-0.91	-0.91	0.51	-0.88	-145.54	14.50
Quick Ratio	0.28	0.28	5.06	7.21	0.48	0.35
Current Ratio	1.12	1.12	33.59	33.47	1.33	1.08
Asset Turnover	0.23	0.23	0.18	0.18	0.18	0.22
Return on Equity (ROE)	17.26%	17.26%	17.09%	-1.20%	1.13%	5.78%
Return on Assets (ROA)	2.14%	2.14%	1.17%	-0.10%	0.09%	0.46%
Return on Invested Capital (ROIC)	16.04%	17.14%	11.20%	-1.17%	1.11%	5.74%
Earnings Yield	13.33%	16.66%	17.81%	-1.15%	1.20%	5.55%
FCF Yield	8.79%	10.98%	-12.00%	18.11%	0.65%	-2.66%
Dividend Yield	2.67%	3.43%	-	-	-	-
Total Shareholder Return	2.67%	3.43%	-	-	-	-

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.