Al Dhafra Insurance

Al Dhafra Insurance Co.

DHAFRAStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 11, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	621.00M	486.00M	540.00M	441.00M	540.00M
Market Cap Growth	+27.8%	-10.0%	+22.4%	-18.3%	+20.5%
Enterprise Value	576.32M	464.21M	461.36M	407.18M	502.42M
Last Close Price	6.21	4.59	4.74	3.56	4.12
Valuation Multiples
PE Ratio	12.69	9.93	14.07	10.68	23.52
PS Ratio	4.74	3.71	4.79	3.97	5.55
PB Ratio	1.05	0.82	1.08	0.95	1.22
P/TBV Ratio	1.05	0.83	1.08	0.96	1.23
P/FCF Ratio	—	—	12.31	87.93	22.24
P/OCF Ratio	—	—	12.07	80.68	21.90
EV/Sales Ratio	4.40	3.54	4.09	3.67	5.17
EV/EBITDA Ratio	11.09	9.13	12.01	9.65	23.14
EV/EBIT Ratio	11.45	9.23	12.14	9.77	23.91
EV/FCF Ratio	-140.48	—	10.52	81.18	20.69
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.02
Debt / EBITDA Ratio	0.13	0.13	0.12	0.14	0.29
Debt / FCF Ratio	—	—	0.11	1.18	0.27
Net Debt / Equity Ratio	-0.08	-0.08	-0.10	-0.04	-0.04
Net Debt / EBITDA Ratio	-0.88	-0.88	-1.28	-0.46	-0.83
Net Debt / FCF Ratio	10.89	10.89	-1.12	-3.85	-0.74
Efficiency & Liquidity
Asset Turnover	0.09	0.09	0.08	0.10	0.09
Quick Ratio	3.71	3.71	1.36	3.28	3.75
Current Ratio	10.41	10.41	5.69	12.68	10.69
Returns & Yields
Return on Equity (ROE)	+9.0%	+9.0%	+7.9%	+9.1%	+5.1%
Return on Assets (ROA)	+2.1%	+2.1%	+1.6%	+2.2%	+1.2%
Return on Invested Capital (ROIC)	+8.0%	+8.6%	+7.3%	+9.1%	+4.6%
Earnings Yield	+7.9%	+10.1%	+7.1%	+9.4%	+4.3%
FCF Yield	-0.7%	-0.8%	+8.1%	+1.1%	+4.5%
Dividend Yield	+5.6%	+7.6%	+7.4%	+9.8%	+7.3%
Payout Ratio	+71.5%	+71.5%	+91.2%	+72.6%	+152.4%
Total Shareholder Return	+5.6%	+7.6%	+7.4%	+9.8%	+7.3%

1-5

	CurrentMar 11, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	621.00M	486.00M	540.00M	441.00M	540.00M
Market Cap Growth	+27.8%	-10.0%	+22.4%	-18.3%	+20.5%
Enterprise Value	576.32M	464.21M	461.36M	407.18M	502.42M
Last Close Price	6.21	4.59	4.74	3.56	4.12
Valuation Multiples
PE Ratio	12.69	9.93	14.07	10.68	23.52
PS Ratio	4.74	3.71	4.79	3.97	5.55
PB Ratio	1.05	0.82	1.08	0.95	1.22
P/TBV Ratio	1.05	0.83	1.08	0.96	1.23
P/FCF Ratio	—	—	12.31	87.93	22.24
P/OCF Ratio	—	—	12.07	80.68	21.90
EV/Sales Ratio	4.40	3.54	4.09	3.67	5.17
EV/EBITDA Ratio	11.09	9.13	12.01	9.65	23.14
EV/EBIT Ratio	11.45	9.23	12.14	9.77	23.91
EV/FCF Ratio	-140.48	—	10.52	81.18	20.69
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.02
Debt / EBITDA Ratio	0.13	0.13	0.12	0.14	0.29
Debt / FCF Ratio	—	—	0.11	1.18	0.27
Net Debt / Equity Ratio	-0.08	-0.08	-0.10	-0.04	-0.04
Net Debt / EBITDA Ratio	-0.88	-0.88	-1.28	-0.46	-0.83
Net Debt / FCF Ratio	10.89	10.89	-1.12	-3.85	-0.74
Efficiency & Liquidity
Asset Turnover	0.09	0.09	0.08	0.10	0.09
Quick Ratio	3.71	3.71	1.36	3.28	3.75
Current Ratio	10.41	10.41	5.69	12.68	10.69
Returns & Yields
Return on Equity (ROE)	+9.0%	+9.0%	+7.9%	+9.1%	+5.1%
Return on Assets (ROA)	+2.1%	+2.1%	+1.6%	+2.2%	+1.2%
Return on Invested Capital (ROIC)	+8.0%	+8.6%	+7.3%	+9.1%	+4.6%
Earnings Yield	+7.9%	+10.1%	+7.1%	+9.4%	+4.3%
FCF Yield	-0.7%	-0.8%	+8.1%	+1.1%	+4.5%
Dividend Yield	+5.6%	+7.6%	+7.4%	+9.8%	+7.3%
Payout Ratio	+71.5%	+71.5%	+91.2%	+72.6%	+152.4%
Total Shareholder Return	+5.6%	+7.6%	+7.4%	+9.8%	+7.3%