National General Insurance Co. (P.J.S.C.) (DFM:NGI)

DFM:NGI Statistics

Total Valuation

DFM:NGI has a market cap or net worth of AED 984.75 million. The enterprise value is 901.62 million.

Market Cap	984.75M
Enterprise Value	901.62M

Important Dates

The next estimated earnings date is Thursday, November 13, 2025.

Earnings Date	Nov 13, 2025
Ex-Dividend Date	Apr 23, 2025

Share Statistics

DFM:NGI has 164.95 million shares outstanding.

Current Share Class	164.95M
Shares Outstanding	164.95M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	23.55%
Float	85.21M

Valuation Ratios

The trailing PE ratio is 7.47.

PE Ratio	7.47
Forward PE	n/a
PS Ratio	1.60
PB Ratio	1.50
P/TBV Ratio	1.50
P/FCF Ratio	5.87
P/OCF Ratio	5.82
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.33, with an EV/FCF ratio of 5.37.

EV / Earnings	6.84
EV / Sales	1.46
EV / EBITDA	6.33
EV / EBIT	6.42
EV / FCF	5.37

Financial Position

The company has a current ratio of 24.47

Current Ratio	24.47
Quick Ratio	5.47
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.82% and return on invested capital (ROIC) is 13.86%.

Return on Equity (ROE)	20.82%
Return on Assets (ROA)	5.54%
Return on Invested Capital (ROIC)	13.86%
Return on Capital Employed (ROCE)	9.06%
Revenue Per Employee	1.60M
Profits Per Employee	342,593
Employee Count	385
Asset Turnover	0.39
Inventory Turnover	n/a

Taxes

In the past 12 months, DFM:NGI has paid 8.55 million in taxes.

Income Tax	8.55M
Effective Tax Rate	6.09%

Stock Price Statistics

The stock price has increased by +30.35% in the last 52 weeks. The beta is 0.37, so DFM:NGI's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	+30.35%
50-Day Moving Average	6.19
200-Day Moving Average	5.49
Relative Strength Index (RSI)	45.36
Average Volume (20 Days)	7,319

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:NGI had revenue of AED 615.71 million and earned 131.90 million in profits. Earnings per share was 0.80.

Revenue	615.71M
Gross Profit	166.27M
Operating Income	140.44M
Pretax Income	140.44M
Net Income	131.90M
EBITDA	142.48M
EBIT	140.44M
Earnings Per Share (EPS)	0.80

Balance Sheet

The company has 83.12 million in cash and n/a in debt, giving a net cash position of 83.12 million or 0.50 per share.

Cash & Cash Equivalents	83.12M
Total Debt	n/a
Net Cash	83.12M
Net Cash Per Share	0.50
Equity (Book Value)	658.26M
Book Value Per Share	3.99
Working Capital	465.16M

Cash Flow

In the last 12 months, operating cash flow was 169.20 million and capital expenditures -1.33 million, giving a free cash flow of 167.87 million.

Operating Cash Flow	169.20M
Capital Expenditures	-1.33M
Free Cash Flow	167.87M
FCF Per Share	1.02

Margins

Gross margin is 27.00%, with operating and profit margins of 22.81% and 21.42%.

Gross Margin	27.00%
Operating Margin	22.81%
Pretax Margin	22.81%
Profit Margin	21.42%
EBITDA Margin	23.14%
EBIT Margin	22.81%
FCF Margin	27.26%

Dividends & Yields

This stock pays an annual dividend of 0.45, which amounts to a dividend yield of 7.54%.

Dividend Per Share	0.45
Dividend Yield	7.54%
Dividend Growth (YoY)	80.00%
Years of Dividend Growth	1
Payout Ratio	56.28%
Buyback Yield	n/a
Shareholder Yield	7.54%
Earnings Yield	13.39%
FCF Yield	17.05%

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 April 25, 2024. It was a forward split with a ratio of 1.1.

Last Split Date	Apr 25, 2024
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4