Union Insurance Company P.J.S.C. (ADX:UNION)
United Arab Emirates flag United Arab Emirates · Delayed Price · Currency is AED
1.320
0.00 (0.00%)
At close: May 22, 2026

ADX:UNION Statistics

Total Valuation

ADX:UNION has a market cap or net worth of AED 330.00 million. The enterprise value is 280.99 million.

Market Cap330.00M
Enterprise Value 280.99M

Important Dates

The last earnings date was Friday, May 22, 2026.

Earnings Date May 22, 2026
Ex-Dividend Date Mar 27, 2026

Share Statistics

ADX:UNION has 250.00 million shares outstanding.

Current Share Class 250.00M
Shares Outstanding 250.00M
Shares Change (YoY) n/a
Shares Change (QoQ) n/a
Owned by Insiders (%) 24.76%
Owned by Institutions (%) 20.16%
Float 106.37M

Valuation Ratios

The trailing PE ratio is 7.02.

PE Ratio 7.02
Forward PE n/a
PS Ratio 0.94
PB Ratio 1.12
P/TBV Ratio 1.13
P/FCF Ratio 5.88
P/OCF Ratio 5.85
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.27, with an EV/FCF ratio of 5.00.

EV / Earnings 5.98
EV / Sales 0.80
EV / EBITDA 5.27
EV / EBIT 5.61
EV / FCF 5.00

Financial Position

The company has a current ratio of 41.77, with a Debt / Equity ratio of 0.01.

Current Ratio 41.77
Quick Ratio 9.28
Debt / Equity 0.01
Debt / EBITDA 0.05
Debt / FCF 0.05
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 17.08% and return on invested capital (ROIC) is 15.95%.

Return on Equity (ROE) 17.08%
Return on Assets (ROA) 2.10%
Return on Invested Capital (ROIC) 15.95%
Return on Capital Employed (ROCE) 3.40%
Weighted Average Cost of Capital (WACC) 5.98%
Revenue Per Employee 1.43M
Profits Per Employee 192,693
Employee Count 244
Asset Turnover 0.23
Inventory Turnover n/a

Taxes

In the past 12 months, ADX:UNION has paid 3.04 million in taxes.

Income Tax 3.04M
Effective Tax Rate 6.08%

Stock Price Statistics

The stock price has increased by +65.91% in the last 52 weeks. The beta is 0.32, so ADX:UNION's price volatility has been lower than the market average.

Beta (5Y) 0.32
52-Week Price Change +65.91%
50-Day Moving Average 1.35
200-Day Moving Average 1.13
Relative Strength Index (RSI) 15.80
Average Volume (20 Days) 691

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 350.11 million and earned 47.02 million in profits. Earnings per share was 0.19.

Revenue350.11M
Gross Profit 54.72M
Operating Income 50.06M
Pretax Income 50.06M
Net Income 47.02M
EBITDA 52.38M
EBIT 50.06M
Earnings Per Share (EPS) 0.19
Full Income Statement

Balance Sheet

The company has 110.36 million in cash and 2.86 million in debt, with a net cash position of 49.02 million or 0.20 per share.

Cash & Cash Equivalents 110.36M
Total Debt 2.86M
Net Cash 49.02M
Net Cash Per Share 0.20
Equity (Book Value) 294.20M
Book Value Per Share 1.18
Working Capital 707.75M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 56.45 million and capital expenditures -291,000, giving a free cash flow of 56.16 million.

Operating Cash Flow 56.45M
Capital Expenditures -291,000
Depreciation & Amortization n/a
Net Borrowing -304,000
Free Cash Flow 56.16M
FCF Per Share 0.22
Full Cash Flow Statement

Margins

Gross margin is 15.63%, with operating and profit margins of 14.30% and 13.43%.

Gross Margin 15.63%
Operating Margin 14.30%
Pretax Margin 14.30%
Profit Margin 13.43%
EBITDA Margin 14.96%
EBIT Margin 14.30%
FCF Margin 16.04%

Dividends & Yields

This stock pays an annual dividend of 0.04, which amounts to a dividend yield of 2.79%.

Dividend Per Share 0.04
Dividend Yield 2.79%
Dividend Growth (YoY) n/a
Years of Dividend Growth 1
Payout Ratio n/a
Buyback Yield n/a
Shareholder Yield 2.79%
Earnings Yield 14.25%
FCF Yield 17.02%
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 5