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 956.71 million. The enterprise value is 881.91 million.

Market Cap	956.71M
Enterprise Value	881.91M

Important Dates

The last earnings date was Tuesday, November 11, 2025.

Earnings Date	Nov 11, 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 7.69.

PE Ratio	7.69
Forward PE	n/a
PS Ratio	1.51
PB Ratio	1.40
P/TBV Ratio	1.41
P/FCF Ratio	4.22
P/OCF Ratio	4.20
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.51, with an EV/FCF ratio of 3.89.

EV / Earnings	7.09
EV / Sales	1.39
EV / EBITDA	6.51
EV / EBIT	6.61
EV / FCF	3.89

Financial Position

The company has a current ratio of 11.29

Current Ratio	11.29
Quick Ratio	2.30
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 18.81% and return on invested capital (ROIC) is 12.62%.

Return on Equity (ROE)	18.81%
Return on Assets (ROA)	5.02%
Return on Invested Capital (ROIC)	12.62%
Return on Capital Employed (ROCE)	8.36%
Revenue Per Employee	1.65M
Profits Per Employee	323,074
Employee Count	385
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

In the past 12 months, DFM:NGI has paid 9.13 million in taxes.

Income Tax	9.13M
Effective Tax Rate	6.84%

Stock Price Statistics

The stock price has increased by +18.57% in the last 52 weeks. The beta is 0.41, so DFM:NGI's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+18.57%
50-Day Moving Average	5.98
200-Day Moving Average	5.73
Relative Strength Index (RSI)	43.66
Average Volume (20 Days)	7,727

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 633.72 million and earned 124.38 million in profits. Earnings per share was 0.75.

Revenue	633.72M
Gross Profit	163.50M
Operating Income	133.51M
Pretax Income	133.51M
Net Income	124.38M
EBITDA	135.50M
EBIT	133.51M
Earnings Per Share (EPS)	0.75

Balance Sheet

The company has 74.80 million in cash and n/a in debt, giving a net cash position of 74.80 million or 0.45 per share.

Cash & Cash Equivalents	74.80M
Total Debt	n/a
Net Cash	74.80M
Net Cash Per Share	0.45
Equity (Book Value)	682.50M
Book Value Per Share	4.14
Working Capital	415.70M

Cash Flow

In the last 12 months, operating cash flow was 227.54 million and capital expenditures -1.05 million, giving a free cash flow of 226.49 million.

Operating Cash Flow	227.54M
Capital Expenditures	-1.05M
Free Cash Flow	226.49M
FCF Per Share	1.37

Margins

Gross margin is 25.80%, with operating and profit margins of 21.07% and 19.63%.

Gross Margin	25.80%
Operating Margin	21.07%
Pretax Margin	21.07%
Profit Margin	19.63%
EBITDA Margin	21.38%
EBIT Margin	21.07%
FCF Margin	35.74%

Dividends & Yields

This stock pays an annual dividend of 0.45, which amounts to a dividend yield of 7.75%.

Dividend Per Share	0.45
Dividend Yield	7.75%
Dividend Growth (YoY)	80.00%
Years of Dividend Growth	1
Payout Ratio	59.68%
Buyback Yield	n/a
Shareholder Yield	7.75%
Earnings Yield	13.00%
FCF Yield	23.67%

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