Ras Alkhaima National Insurance

Ras Alkhaima National Insurance Co.

RAKNICStocksAbu Dhabi Securities ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	18.35M	3.45M	30.26M	-14.83M	35.76M
Free Cash Flow	18.18M	3.06M	30.25M	-14.88M	35.74M
Capital Expenditures	-169.14K	-388.19K	-7.10K	-50.05K	-23.72K
Investing & Financing
Investing Cash Flow	23.00M	-57.63M	-12.12M	-21.62M	-16.88M
Financing Cash Flow	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Dividends Paid	—	—	—	—	—
Operating Activities
Operating Cash Flow	18.35M	3.45M	30.26M	-14.83M	35.76M
Net Income	11.75M	7.35M	13.11M	10.98M	4.42M
Change Accounts Receivable Insurance	—	—	—	—	—
Change in Unearned Revenue	—	—	—	—	—
Change in Working Capital	11.05M	-0.59M	21.71M	-23.39M	34.33M
Change Insurance Reserves Liabilities	3.00M	68.13M	60.69M	-40.13M	-3.93M
Change Other Net Oper Assets Insurance	3.01M	-1.22M	-0.39M	-0.27M	-2.10M
Other Operating Activities Insurance	-6.60M	-3.61M	-4.73M	-3.62M	-3.89M
Depreciation & Amortization	95.72K	79.31K	75.92K	82.41K	102.01K
Other Amortization	3.01M	0.38M	0.43M	0.43M	0.41M
Cash Interest Paid	198.45K	49.01K	517.98K	124.92K	51.94K
Reinsurance Recoverable CF	5.04M	-67.50M	-38.59M	17.01M	40.37M
Investing Activities
Investing Cash Flow	23.00M	-57.63M	-12.12M	-21.62M	-16.88M
Capex Insurance	-169.14K	-388.19K	-7.10K	-50.05K	-23.72K
Investment in Securities	17.76M	-60.37M	-17.60M	-30.42M	-20.99M
Other Investing Activities	5.73M	3.13M	5.66M	8.87M	4.55M
Sale Of Intangibles Insurance	-321.51K	—	-174.40K	-19.83K	-423.78K
Sale of Property, Plant & Equipment	0.05K	—	—	—	0.05K
Gain Assets CF Insurance	-0.00M	—	—	—	—
Loss (Gain) on Sale of Investments	-0.76M	-0.99M	-0.19M	0.09M	-0.12M
Financing Activities
Financing Cash Flow	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Common Dividends Paid	—	—	—	—	—
Short-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	5.01M
Short-Term Debt Repaid	—	—	—	-29.92M	—
Net Debt Issued Insurance	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Total Debt Repaid Insurance	-37.36M	37.36M	-44.99M	-29.92M	—
Free Cash Flow & Returns
Free Cash Flow	18.18M	3.06M	30.25M	-14.88M	35.74M
Free Cash Flow Growth	-49.1%	-85.3%	—	—	+1,118.0%
Free Cash Flow Margin	+20.8%	+3.6%	+35.8%	-18.3%	+40.9%
Free Cash Flow Per Share	0.15	0.03	0.25	-0.12	0.30
Levered Free Cash Flow	602.13M	-94.79M	-28.01M	-291.93M	358.69M
Unlevered Free Cash Flow	602.13M	-94.79M	-28.01M	-291.93M	358.69M
Operating Cash Flow Growth	-48.7%	-83.9%	—	—	+1,116.2%
Net Cash Flow	3.98M	-16.82M	-26.85M	-66.37M	23.89M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	18.35M	3.45M	30.26M	-14.83M	35.76M
Free Cash Flow	18.18M	3.06M	30.25M	-14.88M	35.74M
Capital Expenditures	-169.14K	-388.19K	-7.10K	-50.05K	-23.72K
Investing & Financing
Investing Cash Flow	23.00M	-57.63M	-12.12M	-21.62M	-16.88M
Financing Cash Flow	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Dividends Paid	—	—	—	—	—
Operating Activities
Operating Cash Flow	18.35M	3.45M	30.26M	-14.83M	35.76M
Net Income	11.75M	7.35M	13.11M	10.98M	4.42M
Change Accounts Receivable Insurance	—	—	—	—	—
Change in Unearned Revenue	—	—	—	—	—
Change in Working Capital	11.05M	-0.59M	21.71M	-23.39M	34.33M
Change Insurance Reserves Liabilities	3.00M	68.13M	60.69M	-40.13M	-3.93M
Change Other Net Oper Assets Insurance	3.01M	-1.22M	-0.39M	-0.27M	-2.10M
Other Operating Activities Insurance	-6.60M	-3.61M	-4.73M	-3.62M	-3.89M
Depreciation & Amortization	95.72K	79.31K	75.92K	82.41K	102.01K
Other Amortization	3.01M	0.38M	0.43M	0.43M	0.41M
Cash Interest Paid	198.45K	49.01K	517.98K	124.92K	51.94K
Reinsurance Recoverable CF	5.04M	-67.50M	-38.59M	17.01M	40.37M
Investing Activities
Investing Cash Flow	23.00M	-57.63M	-12.12M	-21.62M	-16.88M
Capex Insurance	-169.14K	-388.19K	-7.10K	-50.05K	-23.72K
Investment in Securities	17.76M	-60.37M	-17.60M	-30.42M	-20.99M
Other Investing Activities	5.73M	3.13M	5.66M	8.87M	4.55M
Sale Of Intangibles Insurance	-321.51K	—	-174.40K	-19.83K	-423.78K
Sale of Property, Plant & Equipment	0.05K	—	—	—	0.05K
Gain Assets CF Insurance	-0.00M	—	—	—	—
Loss (Gain) on Sale of Investments	-0.76M	-0.99M	-0.19M	0.09M	-0.12M
Financing Activities
Financing Cash Flow	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Common Dividends Paid	—	—	—	—	—
Short-Term Debt Issued	—	—	—	—	—
Total Debt Issued	—	—	—	—	5.01M
Short-Term Debt Repaid	—	—	—	-29.92M	—
Net Debt Issued Insurance	-37.36M	37.36M	-44.99M	-29.92M	5.01M
Total Debt Repaid Insurance	-37.36M	37.36M	-44.99M	-29.92M	—
Free Cash Flow & Returns
Free Cash Flow	18.18M	3.06M	30.25M	-14.88M	35.74M
Free Cash Flow Growth	-49.1%	-85.3%	—	—	+1,118.0%
Free Cash Flow Margin	+20.8%	+3.6%	+35.8%	-18.3%	+40.9%
Free Cash Flow Per Share	0.15	0.03	0.25	-0.12	0.30
Levered Free Cash Flow	602.13M	-94.79M	-28.01M	-291.93M	358.69M
Unlevered Free Cash Flow	602.13M	-94.79M	-28.01M	-291.93M	358.69M
Operating Cash Flow Growth	-48.7%	-83.9%	—	—	+1,116.2%
Net Cash Flow	3.98M	-16.82M	-26.85M	-66.37M	23.89M