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

ADX:UNION Statistics

Total Valuation

ADX:UNION has a market cap or net worth of AED 264.50 million. The enterprise value is 221.59 million.

Market Cap	264.50M
Enterprise Value	221.59M

Important Dates

The next estimated earnings date is Tuesday, November 11, 2025.

Earnings Date	Nov 11, 2025
Ex-Dividend Date	n/a

Share Statistics

ADX:UNION has 230.00 million shares outstanding.

Current Share Class	230.00M
Shares Outstanding	230.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	23.15%
Owned by Institutions (%)	20.16%
Float	101.57M

Valuation Ratios

The trailing PE ratio is 5.50.

PE Ratio	5.50
Forward PE	n/a
PS Ratio	0.94
PB Ratio	0.99
P/TBV Ratio	1.00
P/FCF Ratio	9.99
P/OCF Ratio	9.83
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.33, with an EV/FCF ratio of 8.37.

EV / Earnings	4.60
EV / Sales	0.79
EV / EBITDA	5.33
EV / EBIT	5.75
EV / FCF	8.37

Financial Position

The company has a current ratio of 103.71, with a Debt / Equity ratio of 0.00.

Current Ratio	103.71
Quick Ratio	21.22
Debt / Equity	0.00
Debt / EBITDA	0.01
Debt / FCF	0.01
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.89% and return on invested capital (ROIC) is 9.95%.

Return on Equity (ROE)	19.89%
Return on Assets (ROA)	1.56%
Return on Invested Capital (ROIC)	9.95%
Return on Capital Employed (ROCE)	2.66%
Revenue Per Employee	1.15M
Profits Per Employee	197,270
Employee Count	244
Asset Turnover	0.18
Inventory Turnover	n/a

Taxes

In the past 12 months, ADX:UNION has paid 4.62 million in taxes.

Income Tax	4.62M
Effective Tax Rate	8.75%

Stock Price Statistics

The stock price has increased by +22.96% in the last 52 weeks. The beta is 0.53, so ADX:UNION's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+22.96%
50-Day Moving Average	1.11
200-Day Moving Average	0.94
Relative Strength Index (RSI)	90.35
Average Volume (20 Days)	15,041

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:UNION had revenue of AED 281.39 million and earned 48.13 million in profits. Earnings per share was 0.21.

Revenue	281.39M
Gross Profit	26.74M
Operating Income	38.53M
Pretax Income	52.75M
Net Income	48.13M
EBITDA	38.66M
EBIT	38.53M
Earnings Per Share (EPS)	0.21

Balance Sheet

The company has 91.69 million in cash and 242,000 in debt, giving a net cash position of 42.91 million or 0.19 per share.

Cash & Cash Equivalents	91.69M
Total Debt	242,000
Net Cash	42.91M
Net Cash Per Share	0.19
Equity (Book Value)	266.09M
Book Value Per Share	1.16
Working Capital	682.30M

Cash Flow

In the last 12 months, operating cash flow was 26.91 million and capital expenditures -427,000, giving a free cash flow of 26.48 million.

Operating Cash Flow	26.91M
Capital Expenditures	-427,000
Free Cash Flow	26.48M
FCF Per Share	0.12

Margins

Gross margin is 9.50%, with operating and profit margins of 13.69% and 17.11%.

Gross Margin	9.50%
Operating Margin	13.69%
Pretax Margin	18.75%
Profit Margin	17.11%
EBITDA Margin	13.74%
EBIT Margin	13.69%
FCF Margin	9.41%

Dividends & Yields

ADX:UNION 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	18.20%
FCF Yield	10.01%

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 June 30, 2025. It was a reverse split with a ratio of 0.69499.

Last Split Date	Jun 30, 2025
Split Type	Reverse
Split Ratio	0.69499

Scores

Altman Z-Score	n/a
Piotroski F-Score	5