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 940.73 million.

Market Cap	984.75M
Enterprise Value	940.73M

Important Dates

The last earnings date was Friday, March 6, 2026.

Earnings Date	Mar 6, 2026
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 8.26.

PE Ratio	8.26
Forward PE	n/a
PS Ratio	1.48
PB Ratio	1.42
P/TBV Ratio	1.42
P/FCF Ratio	6.11
P/OCF Ratio	6.08
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.16, with an EV/FCF ratio of 5.84.

EV / Earnings	7.89
EV / Sales	1.41
EV / EBITDA	7.16
EV / EBIT	7.27
EV / FCF	5.84

Financial Position

The company has a current ratio of 5.18

Current Ratio	5.18
Quick Ratio	0.85
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 17.81% and return on invested capital (ROIC) is 17.32%.

Return on Equity (ROE)	17.81%
Return on Assets (ROA)	4.87%
Return on Invested Capital (ROIC)	17.32%
Return on Capital Employed (ROCE)	8.15%
Weighted Average Cost of Capital (WACC)	6.25%
Revenue Per Employee	1.73M
Profits Per Employee	309,575
Employee Count	385
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, DFM:NGI has paid 10.14 million in taxes.

Income Tax	10.14M
Effective Tax Rate	7.84%

Stock Price Statistics

The stock price has decreased by -0.70% in the last 52 weeks. The beta is 0.36, so DFM:NGI's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	-0.70%
50-Day Moving Average	6.09
200-Day Moving Average	6.07
Relative Strength Index (RSI)	39.55
Average Volume (20 Days)	16,580

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 665.76 million and earned 119.19 million in profits. Earnings per share was 0.72.

Revenue	665.76M
Gross Profit	167.30M
Operating Income	129.33M
Pretax Income	129.33M
Net Income	119.19M
EBITDA	131.45M
EBIT	129.33M
Earnings Per Share (EPS)	0.72

Balance Sheet

The company has 44.02 million in cash and n/a in debt, with a net cash position of 44.02 million or 0.27 per share.

Cash & Cash Equivalents	44.02M
Total Debt	n/a
Net Cash	44.02M
Net Cash Per Share	0.27
Equity (Book Value)	693.90M
Book Value Per Share	4.21
Working Capital	317.24M

Cash Flow

In the last 12 months, operating cash flow was 162.08 million and capital expenditures -990,774, giving a free cash flow of 161.09 million.

Operating Cash Flow	162.08M
Capital Expenditures	-990,774
Free Cash Flow	161.09M
FCF Per Share	0.98

Margins

Gross margin is 25.13%, with operating and profit margins of 19.43% and 17.90%.

Gross Margin	25.13%
Operating Margin	19.43%
Pretax Margin	19.43%
Profit Margin	17.90%
EBITDA Margin	19.74%
EBIT Margin	19.43%
FCF Margin	24.20%

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	2
Payout Ratio	62.28%
Buyback Yield	n/a
Shareholder Yield	7.54%
Earnings Yield	12.10%
FCF Yield	16.36%

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