Union Insurance Company P.J.S.C. (ADX:UNION)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
1.310
0.00 (0.00%)
Last updated: Aug 7, 2026, 10:00 AM GST

ADX:UNION Statistics

Total Valuation

ADX:UNION has a market cap or net worth of AED 327.50 million. The enterprise value is 241.07 million.

Market Cap327.50M
Enterprise Value 241.07M

Important Dates

The last earnings date was Thursday, August 6, 2026.

Earnings Date Aug 6, 2026
Ex-Dividend Date Mar 27, 2026

Share Statistics

ADX:UNION has 250.00 million shares outstanding. The number of shares has increased by 0.23% in one year.

Current Share Class 250.00M
Shares Outstanding 250.00M
Shares Change (YoY) +0.23%
Shares Change (QoQ) +0.29%
Owned by Insiders (%) 24.76%
Owned by Institutions (%) 20.16%
Float 106.37M

Valuation Ratios

The trailing PE ratio is 6.69.

PE Ratio 6.69
Forward PE n/a
PS Ratio 0.90
PB Ratio 1.07
P/TBV Ratio 1.07
P/FCF Ratio 5.14
P/OCF Ratio 5.10
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.31, with an EV/FCF ratio of 3.78.

EV / Earnings 4.91
EV / Sales 0.66
EV / EBITDA 4.31
EV / EBIT 4.61
EV / FCF 3.78

Financial Position

The company has a current ratio of 568.09

Current Ratio 568.09
Quick Ratio 113.95
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 17.16% and return on invested capital (ROIC) is 16.28%.

Return on Equity (ROE) 17.16%
Return on Assets (ROA) 2.17%
Return on Invested Capital (ROIC) 16.28%
Return on Capital Employed (ROCE) 3.37%
Weighted Average Cost of Capital (WACC) 5.71%
Revenue Per Employee 1.50M
Profits Per Employee 201,217
Employee Count 244
Asset Turnover 0.24
Inventory Turnover n/a

Taxes

In the past 12 months, ADX:UNION has paid 3.25 million in taxes.

Income Tax 3.25M
Effective Tax Rate 6.21%

Stock Price Statistics

The stock price has increased by +35.61% in the last 52 weeks. The beta is 0.26, so ADX:UNION's price volatility has been lower than the market average.

Beta (5Y) 0.26
52-Week Price Change +35.61%
50-Day Moving Average 1.34
200-Day Moving Average 1.22
Relative Strength Index (RSI) 21.25
Average Volume (20 Days) 1,210

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 365.60 million and earned 49.10 million in profits. Earnings per share was 0.20.

Revenue365.60M
Gross Profit 41.97M
Operating Income 52.35M
Pretax Income 52.35M
Net Income 49.10M
EBITDA 55.06M
EBIT 52.35M
Earnings Per Share (EPS) 0.20
Full Income Statement

Balance Sheet

The company has 86.43 million in cash and no debt, with a net cash position of 86.43 million or 0.35 per share.

Cash & Cash Equivalents 86.43M
Total Debt n/a
Net Cash 86.43M
Net Cash Per Share 0.35
Equity (Book Value) 305.99M
Book Value Per Share 1.22
Working Capital 702.06M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 64.19 million and capital expenditures -418,000, giving a free cash flow of 63.77 million.

Operating Cash Flow 64.19M
Capital Expenditures -418,000
Depreciation & Amortization n/a
Net Borrowing -304,000
Free Cash Flow 63.77M
FCF Per Share 0.26
Full Cash Flow Statement

Margins

Gross margin is 11.48%, with operating and profit margins of 14.32% and 13.43%.

Gross Margin 11.48%
Operating Margin 14.32%
Pretax Margin 14.32%
Profit Margin 13.43%
EBITDA Margin 15.06%
EBIT Margin 14.32%
FCF Margin 17.44%

Dividends & Yields

This stock pays an annual dividend of 0.04, which amounts to a dividend yield of 2.81%.

Dividend Per Share 0.04
Dividend Yield 2.81%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 18.74%
Buyback Yield -0.23%
Shareholder Yield 2.58%
Earnings Yield 14.99%
FCF Yield 19.47%
Dividend Details

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 March 27, 2026. It was a forward split with a ratio of 1.086956521.

Last Split Date Mar 27, 2026
Split Type Forward
Split Ratio 1.086956521

Scores

Altman Z-Score n/a
Piotroski F-Score 6