Abu Dhabi National Takaful

Abu Dhabi National Takaful Co.

TKFLStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	557.55M	603.75M	565.95M	630.00M	676.20M
Market Cap Growth	+14.2%	+6.7%	-10.2%	-6.8%	+9.8%
Enterprise Value	565.13M	602.88M	409.30M	564.27M	658.06M
Last Close Price	5.31	5.43	4.91	5.12	5.23
Valuation Multiples
PE Ratio	3.95	4.55	6.81	6.11	10.14
PS Ratio	1.12	1.32	1.51	0.68	1.03
PB Ratio	0.89	1.00	1.14	1.40	1.64
P/TBV Ratio	0.89	1.00	1.14	1.40	1.64
P/FCF Ratio	9.74	6.23	—	4.05	—
P/OCF Ratio	8.20	5.62	—	4.04	—
EV/Sales Ratio	1.13	1.31	1.09	0.61	1.00
EV/EBITDA Ratio	4.65	5.47	4.49	5.98	9.74
EV/EBIT Ratio	4.82	5.56	4.59	6.11	10.02
EV/FCF Ratio	9.87	6.22	—	3.63	—
Leverage & Capital
Debt / Equity Ratio	0.04	0.05	0.09	0.04	0.07
Debt / EBITDA Ratio	0.21	0.27	0.50	0.19	0.45
Debt / FCF Ratio	0.44	0.31	—	0.12	—
Net Debt / Equity Ratio	0.01	-0.02	-0.23	-0.14	-0.19
Net Debt / EBITDA Ratio	0.06	-0.09	-1.22	-0.67	-1.17
Net Debt / FCF Ratio	0.13	-0.10	12.38	-0.40	4.98
Efficiency & Liquidity
Asset Turnover	0.32	0.28	0.27	0.80	0.55
Quick Ratio	0.09	0.09	0.18	0.12	0.17
Current Ratio	0.56	0.54	0.68	0.43	0.47
Returns & Yields
Return on Equity (ROE)	+24.7%	+24.2%	+17.6%	+23.9%	+14.4%
Return on Assets (ROA)	+4.7%	+4.2%	+4.0%	+5.0%	+3.4%
Return on Invested Capital (ROIC)	+16.8%	+16.9%	+16.2%	+20.3%	+13.5%
Earnings Yield	+25.3%	+22.0%	+14.7%	+16.4%	+9.9%
FCF Yield	+10.3%	+16.0%	-1.6%	+24.7%	-2.3%
Dividend Yield	+5.4%	+5.3%	+4.1%	+5.9%	+4.9%
Payout Ratio	+14.9%	+15.8%	+37.9%	+26.2%	+37.5%
Total Shareholder Return	+6.2%	+5.3%	+4.1%	+5.9%	+4.9%

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	557.55M	603.75M	565.95M	630.00M	676.20M
Market Cap Growth	+14.2%	+6.7%	-10.2%	-6.8%	+9.8%
Enterprise Value	565.13M	602.88M	409.30M	564.27M	658.06M
Last Close Price	5.31	5.43	4.91	5.12	5.23
Valuation Multiples
PE Ratio	3.95	4.55	6.81	6.11	10.14
PS Ratio	1.12	1.32	1.51	0.68	1.03
PB Ratio	0.89	1.00	1.14	1.40	1.64
P/TBV Ratio	0.89	1.00	1.14	1.40	1.64
P/FCF Ratio	9.74	6.23	—	4.05	—
P/OCF Ratio	8.20	5.62	—	4.04	—
EV/Sales Ratio	1.13	1.31	1.09	0.61	1.00
EV/EBITDA Ratio	4.65	5.47	4.49	5.98	9.74
EV/EBIT Ratio	4.82	5.56	4.59	6.11	10.02
EV/FCF Ratio	9.87	6.22	—	3.63	—
Leverage & Capital
Debt / Equity Ratio	0.04	0.05	0.09	0.04	0.07
Debt / EBITDA Ratio	0.21	0.27	0.50	0.19	0.45
Debt / FCF Ratio	0.44	0.31	—	0.12	—
Net Debt / Equity Ratio	0.01	-0.02	-0.23	-0.14	-0.19
Net Debt / EBITDA Ratio	0.06	-0.09	-1.22	-0.67	-1.17
Net Debt / FCF Ratio	0.13	-0.10	12.38	-0.40	4.98
Efficiency & Liquidity
Asset Turnover	0.32	0.28	0.27	0.80	0.55
Quick Ratio	0.09	0.09	0.18	0.12	0.17
Current Ratio	0.56	0.54	0.68	0.43	0.47
Returns & Yields
Return on Equity (ROE)	+24.7%	+24.2%	+17.6%	+23.9%	+14.4%
Return on Assets (ROA)	+4.7%	+4.2%	+4.0%	+5.0%	+3.4%
Return on Invested Capital (ROIC)	+16.8%	+16.9%	+16.2%	+20.3%	+13.5%
Earnings Yield	+25.3%	+22.0%	+14.7%	+16.4%	+9.9%
FCF Yield	+10.3%	+16.0%	-1.6%	+24.7%	-2.3%
Dividend Yield	+5.4%	+5.3%	+4.1%	+5.9%	+4.9%
Payout Ratio	+14.9%	+15.8%	+37.9%	+26.2%	+37.5%
Total Shareholder Return	+6.2%	+5.3%	+4.1%	+5.9%	+4.9%