Dubai Insurance Company (P.S.C.) (DFM:DIN)

DFM:DIN Statistics

Total Valuation

DFM:DIN has a market cap or net worth of AED 1.35 billion. The enterprise value is 110.25 million.

Market Cap	1.35B
Enterprise Value	110.25M

Important Dates

The last earnings date was Monday, November 10, 2025.

Earnings Date	Nov 10, 2025
Ex-Dividend Date	Apr 18, 2025

Share Statistics

DFM:DIN has 100.00 million shares outstanding.

Current Share Class	100.00M
Shares Outstanding	100.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	23.35%
Owned by Institutions (%)	n/a
Float	43.30M

Valuation Ratios

The trailing PE ratio is 8.07.

PE Ratio	8.07
Forward PE	n/a
PS Ratio	0.98
PB Ratio	1.24
P/TBV Ratio	1.24
P/FCF Ratio	2.10
P/OCF Ratio	1.95
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 0.52, with an EV/FCF ratio of 0.17.

EV / Earnings	0.66
EV / Sales	0.08
EV / EBITDA	0.52
EV / EBIT	0.54
EV / FCF	0.17

Financial Position

The company has a current ratio of 2.69, with a Debt / Equity ratio of 0.06.

Current Ratio	2.69
Quick Ratio	1.22
Debt / Equity	0.06
Debt / EBITDA	0.31
Debt / FCF	0.10
Interest Coverage	9.70

Financial Efficiency

Return on equity (ROE) is 17.01% and return on invested capital (ROIC) is 12.20%.

Return on Equity (ROE)	17.01%
Return on Assets (ROA)	3.37%
Return on Invested Capital (ROIC)	12.20%
Return on Capital Employed (ROCE)	6.55%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, DFM:DIN has paid 15.84 million in taxes.

Income Tax	15.84M
Effective Tax Rate	8.64%

Stock Price Statistics

The stock price has increased by +6.72% in the last 52 weeks. The beta is -0.22, so DFM:DIN's price volatility has been lower than the market average.

Beta (5Y)	-0.22
52-Week Price Change	+6.72%
50-Day Moving Average	10.89
200-Day Moving Average	n/a
Relative Strength Index (RSI)	52.11
Average Volume (20 Days)	39,166

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, DFM:DIN had revenue of AED 1.38 billion and earned 167.36 million in profits. Earnings per share was 1.67.

Revenue	1.38B
Gross Profit	234.41M
Operating Income	204.06M
Pretax Income	183.20M
Net Income	167.36M
EBITDA	210.92M
EBIT	204.06M
Earnings Per Share (EPS)	1.67

Balance Sheet

The company has 1.31 billion in cash and 64.95 million in debt, giving a net cash position of 1.25 billion or 12.47 per share.

Cash & Cash Equivalents	1.31B
Total Debt	64.95M
Net Cash	1.25B
Net Cash Per Share	12.47
Equity (Book Value)	1.09B
Book Value Per Share	10.85
Working Capital	1.81B

Cash Flow

In the last 12 months, operating cash flow was 693.70 million and capital expenditures -50.99 million, giving a free cash flow of 642.71 million.

Operating Cash Flow	693.70M
Capital Expenditures	-50.99M
Free Cash Flow	642.71M
FCF Per Share	6.43

Margins

Gross margin is 16.96%, with operating and profit margins of 14.77% and 12.11%.

Gross Margin	16.96%
Operating Margin	14.77%
Pretax Margin	13.26%
Profit Margin	12.11%
EBITDA Margin	15.26%
EBIT Margin	14.77%
FCF Margin	46.51%

Dividends & Yields

This stock pays an annual dividend of 0.80, which amounts to a dividend yield of 5.93%.

Dividend Per Share	0.80
Dividend Yield	5.93%
Dividend Growth (YoY)	14.29%
Years of Dividend Growth	3
Payout Ratio	47.80%
Buyback Yield	n/a
Shareholder Yield	5.93%
Earnings Yield	12.40%
FCF Yield	47.61%

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 16, 2010. It was a forward split with a ratio of 10.

Last Split Date	Mar 16, 2010
Split Type	Forward
Split Ratio	10

Scores

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