Al Buhaira National Insurance

Al Buhaira National Insurance Company

ABNICStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Market & Price
Market Capitalization	700.00M	762.50M	747.50M	675.00M	725.00M
Market Cap Growth	+3.7%	+2.0%	-0.3%	-3.6%	+3.6%
Enterprise Value	0.76B	0.87B	0.98B	0.87B	0.97B
Last Close Price	2.80	3.05	2.99	2.70	2.90
Valuation Multiples
PE Ratio	12.68	13.82	591.15	-75.02	—
PS Ratio	1.03	1.13	1.18	1.09	1.28
PB Ratio	1.35	1.47	1.54	1.41	1.59
P/TBV Ratio	1.35	1.47	1.54	1.41	1.59
P/FCF Ratio	3.41	3.71	3.08	—	9.57
P/OCF Ratio	3.40	3.70	3.07	—	9.40
EV/Sales Ratio	1.12	1.29	1.54	1.40	1.70
EV/EBITDA Ratio	8.73	10.18	29.06	32.17	-857.27
EV/EBIT Ratio	9.20	10.61	32.76	37.24	-197.33
EV/FCF Ratio	3.68	4.25	4.02	—	12.77
Leverage & Capital
Debt / Equity Ratio	0.29	0.29	0.39	0.56	0.66
Debt / EBITDA Ratio	1.76	1.03	4.98	2.56	4.50
Debt / FCF Ratio	0.74	0.74	0.78	—	4.01
Net Debt / Equity Ratio	0.11	0.11	0.23	0.48	0.43
Net Debt / EBITDA Ratio	0.68	0.66	3.27	8.43	-174.23
Net Debt / FCF Ratio	0.27	0.27	0.45	2.72	2.60
Efficiency & Liquidity
Asset Turnover	0.43	0.37	0.33	0.31	0.27
Quick Ratio	0.96	0.96	0.69	0.75	0.29
Current Ratio	2.77	2.77	2.51	2.34	1.67
Returns & Yields
Return on Equity (ROE)	+24.4%	+5.2%	+17.7%	-2.1%	-19.9%
Return on Assets (ROA)	+5.4%	+1.1%	+3.1%	+1.6%	-2.0%
Return on Invested Capital (ROIC)	+4.9%	+1.2%	+3.3%	+1.6%	-1.9%
Earnings Yield	+7.9%	+7.2%	+0.2%	-1.3%	-5.1%
FCF Yield	+29.3%	+26.9%	+32.5%	+12.4%	+10.4%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Total Shareholder Return	—	—	—	—	—

1-5

	CurrentMar 10, 2026	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Market & Price
Market Capitalization	700.00M	762.50M	747.50M	675.00M	725.00M
Market Cap Growth	+3.7%	+2.0%	-0.3%	-3.6%	+3.6%
Enterprise Value	0.76B	0.87B	0.98B	0.87B	0.97B
Last Close Price	2.80	3.05	2.99	2.70	2.90
Valuation Multiples
PE Ratio	12.68	13.82	591.15	-75.02	—
PS Ratio	1.03	1.13	1.18	1.09	1.28
PB Ratio	1.35	1.47	1.54	1.41	1.59
P/TBV Ratio	1.35	1.47	1.54	1.41	1.59
P/FCF Ratio	3.41	3.71	3.08	—	9.57
P/OCF Ratio	3.40	3.70	3.07	—	9.40
EV/Sales Ratio	1.12	1.29	1.54	1.40	1.70
EV/EBITDA Ratio	8.73	10.18	29.06	32.17	-857.27
EV/EBIT Ratio	9.20	10.61	32.76	37.24	-197.33
EV/FCF Ratio	3.68	4.25	4.02	—	12.77
Leverage & Capital
Debt / Equity Ratio	0.29	0.29	0.39	0.56	0.66
Debt / EBITDA Ratio	1.76	1.03	4.98	2.56	4.50
Debt / FCF Ratio	0.74	0.74	0.78	—	4.01
Net Debt / Equity Ratio	0.11	0.11	0.23	0.48	0.43
Net Debt / EBITDA Ratio	0.68	0.66	3.27	8.43	-174.23
Net Debt / FCF Ratio	0.27	0.27	0.45	2.72	2.60
Efficiency & Liquidity
Asset Turnover	0.43	0.37	0.33	0.31	0.27
Quick Ratio	0.96	0.96	0.69	0.75	0.29
Current Ratio	2.77	2.77	2.51	2.34	1.67
Returns & Yields
Return on Equity (ROE)	+24.4%	+5.2%	+17.7%	-2.1%	-19.9%
Return on Assets (ROA)	+5.4%	+1.1%	+3.1%	+1.6%	-2.0%
Return on Invested Capital (ROIC)	+4.9%	+1.2%	+3.3%	+1.6%	-1.9%
Earnings Yield	+7.9%	+7.2%	+0.2%	-1.3%	-5.1%
FCF Yield	+29.3%	+26.9%	+32.5%	+12.4%	+10.4%
Dividend Yield	—	—	—	—	—
Payout Ratio	—	—	—	—	—
Total Shareholder Return	—	—	—	—	—