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

DFM:DIN Statistics

Total Valuation

DFM:DIN has a market cap or net worth of AED 1.48 billion. The enterprise value is 240.25 million.

Market Cap	1.48B
Enterprise Value	240.25M

Important Dates

The next estimated earnings date is Friday, November 7, 2025.

Earnings Date	Nov 7, 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 11.30.

PE Ratio	11.30
Forward PE	n/a
PS Ratio	1.13
PB Ratio	1.48
P/TBV Ratio	1.48
P/FCF Ratio	2.27
P/OCF Ratio	2.11
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.50, with an EV/FCF ratio of 0.37.

EV / Earnings	1.83
EV / Sales	0.18
EV / EBITDA	1.50
EV / EBIT	1.56
EV / FCF	0.37

Financial Position

The company has a current ratio of 2.85, with a Debt / Equity ratio of 0.03.

Current Ratio	2.85
Quick Ratio	1.30
Debt / Equity	0.03
Debt / EBITDA	0.19
Debt / FCF	0.05
Interest Coverage	13.32

Financial Efficiency

Return on equity (ROE) is 14.41% and return on invested capital (ROIC) is 10.11%.

Return on Equity (ROE)	14.41%
Return on Assets (ROA)	2.66%
Return on Invested Capital (ROIC)	10.11%
Return on Capital Employed (ROCE)	5.07%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

In the past 12 months, DFM:DIN has paid 11.31 million in taxes.

Income Tax	11.31M
Effective Tax Rate	7.95%

Stock Price Statistics

The stock price has increased by +54.17% 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	+54.17%
50-Day Moving Average	10.41
200-Day Moving Average	n/a
Relative Strength Index (RSI)	62.34
Average Volume (20 Days)	40,346

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 1.31 billion and earned 130.96 million in profits. Earnings per share was 1.31.

Revenue	1.31B
Gross Profit	181.69M
Operating Income	153.66M
Pretax Income	142.26M
Net Income	130.96M
EBITDA	160.07M
EBIT	153.66M
Earnings Per Share (EPS)	1.31

Balance Sheet

The company has 1.27 billion in cash and 30.74 million in debt, giving a net cash position of 1.24 billion or 12.40 per share.

Cash & Cash Equivalents	1.27B
Total Debt	30.74M
Net Cash	1.24B
Net Cash Per Share	12.40
Equity (Book Value)	998.81M
Book Value Per Share	9.99
Working Capital	1.81B

Cash Flow

In the last 12 months, operating cash flow was 701.81 million and capital expenditures -49.98 million, giving a free cash flow of 651.83 million.

Operating Cash Flow	701.81M
Capital Expenditures	-49.98M
Free Cash Flow	651.83M
FCF Per Share	6.52

Margins

Gross margin is 13.87%, with operating and profit margins of 11.73% and 10.00%.

Gross Margin	13.87%
Operating Margin	11.73%
Pretax Margin	10.86%
Profit Margin	10.00%
EBITDA Margin	12.22%
EBIT Margin	11.73%
FCF Margin	49.75%

Dividends & Yields

This stock pays an annual dividend of 0.80, which amounts to a dividend yield of 5.41%.

Dividend Per Share	0.80
Dividend Yield	5.41%
Dividend Growth (YoY)	14.29%
Years of Dividend Growth	3
Payout Ratio	61.09%
Buyback Yield	n/a
Shareholder Yield	5.41%
Earnings Yield	8.85%
FCF Yield	44.04%

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