Al Wathba National Insurance

Al Wathba National Insurance Co.

AWNICStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 30, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.64B	0.72B	0.81B	0.72B	0.92B
Market Cap Growth	-26.2%	-10.3%	+11.4%	-21.5%	-15.8%
Enterprise Value	0.70B	0.74B	0.91B	0.69B	1.17B
Last Close Price	3.10	3.22	3.41	2.92	3.53
Valuation Multiples
PE Ratio	6.81	7.69	21.94	4.09	29.41
PS Ratio	1.20	1.35	3.18	1.83	3.05
PB Ratio	0.52	0.59	0.67	0.57	0.95
P/TBV Ratio	0.52	0.59	0.67	0.57	0.95
P/FCF Ratio	9.95	11.24	21.79	—	—
P/OCF Ratio	9.78	11.04	21.35	—	—
EV/Sales Ratio	1.30	1.38	3.60	1.73	3.86
EV/EBITDA Ratio	9.92	10.57	—	5.30	108.26
EV/EBIT Ratio	10.12	10.79	—	5.37	130.37
EV/FCF Ratio	10.78	11.49	24.70	—	—
Leverage & Capital
Debt / Equity Ratio	0.10	0.10	0.09	0.07	0.21
Debt / EBITDA Ratio	1.83	1.83	—	0.68	19.38
Debt / FCF Ratio	1.98	1.98	2.85	—	—
Net Debt / Equity Ratio	0.04	0.04	0.02	0.00	0.14
Net Debt / EBITDA Ratio	0.76	0.76	-0.98	0.04	12.73
Net Debt / FCF Ratio	0.83	0.83	0.74	-0.11	-2.10
Efficiency & Liquidity
Asset Turnover	0.27	0.27	0.14	0.24	0.18
Quick Ratio	1.62	1.62	1.58	2.22	1.54
Current Ratio	2.29	2.29	2.14	2.70	2.18
Returns & Yields
Return on Equity (ROE)	+7.7%	+7.7%	+3.0%	+15.8%	+3.2%
Return on Assets (ROA)	+2.2%	+2.2%	-1.0%	+4.8%	+0.3%
Return on Invested Capital (ROIC)	+4.8%	+4.8%	-2.1%	+10.1%	+0.7%
Earnings Yield	+14.7%	+13.0%	+4.6%	+24.4%	+3.4%
FCF Yield	+10.0%	+8.9%	+4.6%	-5.7%	-7.1%
Dividend Yield	+8.1%	+7.8%	+5.9%	+8.6%	+5.7%
Payout Ratio	+43.9%	+43.9%	+140.6%	+26.9%	+131.9%
Total Shareholder Return	+8.1%	+7.8%	+5.9%	+8.6%	+5.7%

1-5

	CurrentMar 30, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.64B	0.72B	0.81B	0.72B	0.92B
Market Cap Growth	-26.2%	-10.3%	+11.4%	-21.5%	-15.8%
Enterprise Value	0.70B	0.74B	0.91B	0.69B	1.17B
Last Close Price	3.10	3.22	3.41	2.92	3.53
Valuation Multiples
PE Ratio	6.81	7.69	21.94	4.09	29.41
PS Ratio	1.20	1.35	3.18	1.83	3.05
PB Ratio	0.52	0.59	0.67	0.57	0.95
P/TBV Ratio	0.52	0.59	0.67	0.57	0.95
P/FCF Ratio	9.95	11.24	21.79	—	—
P/OCF Ratio	9.78	11.04	21.35	—	—
EV/Sales Ratio	1.30	1.38	3.60	1.73	3.86
EV/EBITDA Ratio	9.92	10.57	—	5.30	108.26
EV/EBIT Ratio	10.12	10.79	—	5.37	130.37
EV/FCF Ratio	10.78	11.49	24.70	—	—
Leverage & Capital
Debt / Equity Ratio	0.10	0.10	0.09	0.07	0.21
Debt / EBITDA Ratio	1.83	1.83	—	0.68	19.38
Debt / FCF Ratio	1.98	1.98	2.85	—	—
Net Debt / Equity Ratio	0.04	0.04	0.02	0.00	0.14
Net Debt / EBITDA Ratio	0.76	0.76	-0.98	0.04	12.73
Net Debt / FCF Ratio	0.83	0.83	0.74	-0.11	-2.10
Efficiency & Liquidity
Asset Turnover	0.27	0.27	0.14	0.24	0.18
Quick Ratio	1.62	1.62	1.58	2.22	1.54
Current Ratio	2.29	2.29	2.14	2.70	2.18
Returns & Yields
Return on Equity (ROE)	+7.7%	+7.7%	+3.0%	+15.8%	+3.2%
Return on Assets (ROA)	+2.2%	+2.2%	-1.0%	+4.8%	+0.3%
Return on Invested Capital (ROIC)	+4.8%	+4.8%	-2.1%	+10.1%	+0.7%
Earnings Yield	+14.7%	+13.0%	+4.6%	+24.4%	+3.4%
FCF Yield	+10.0%	+8.9%	+4.6%	-5.7%	-7.1%
Dividend Yield	+8.1%	+7.8%	+5.9%	+8.6%	+5.7%
Payout Ratio	+43.9%	+43.9%	+140.6%	+26.9%	+131.9%
Total Shareholder Return	+8.1%	+7.8%	+5.9%	+8.6%	+5.7%