Union Insurance

Union Insurance Company

UNIONStocksAbu 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	317.50M	276.00M	215.11M	215.11M	209.15M
Market Cap Growth	+75.7%	+28.3%	—	+2.8%	-12.2%
Enterprise Value	289.82M	252.22M	198.67M	195.95M	56.45M
Last Close Price	1.27	1.20	0.94	0.94	0.91
Valuation Multiples
PE Ratio	6.91	6.00	5.62	—	83.46
PS Ratio	0.99	0.86	0.81	0.81	0.68
PB Ratio	1.10	0.95	0.88	1.05	1.01
P/TBV Ratio	1.10	0.96	0.89	1.07	1.05
P/FCF Ratio	10.47	9.11	—	5.52	153.11
P/OCF Ratio	10.38	9.02	—	5.39	80.63
EV/Sales Ratio	0.90	0.79	0.74	0.74	0.18
EV/EBITDA Ratio	5.60	4.96	6.60	73.83	7.16
EV/EBIT Ratio	5.94	5.17	7.14	—	22.53
EV/FCF Ratio	9.56	8.32	—	5.03	41.33
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.00	0.02	0.03
Debt / EBITDA Ratio	0.06	0.06	0.02	0.68	0.63
Debt / FCF Ratio	0.11	0.11	—	0.10	5.02
Net Debt / Equity Ratio	-0.10	-0.10	-0.05	-0.17	-0.96
Net Debt / EBITDA Ratio	-0.55	-0.55	-0.44	-12.99	-25.23
Net Debt / FCF Ratio	-0.91	-0.91	0.51	-0.89	-145.54
Efficiency & Liquidity
Asset Turnover	0.23	0.23	0.18	0.18	0.18
Quick Ratio	0.28	0.28	5.06	7.21	0.48
Current Ratio	1.12	1.12	33.59	33.47	1.33
Returns & Yields
Return on Equity (ROE)	+17.3%	+17.3%	+17.1%	-1.2%	+1.1%
Return on Assets (ROA)	+2.1%	+2.1%	+1.2%	-0.1%	+0.1%
Return on Invested Capital (ROIC)	+16.0%	+17.1%	+11.2%	-1.2%	+1.1%
Earnings Yield	+14.5%	+16.7%	+17.8%	-1.2%	+1.2%
FCF Yield	+9.5%	+11.0%	-12.0%	+18.1%	+0.7%
Dividend Yield	+2.9%	+3.3%	—	—	—
Buyback Yield / Dilution	—	—	0.0%	—	—
Total Shareholder Return	+2.9%	+3.3%	—	—	—

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	317.50M	276.00M	215.11M	215.11M	209.15M
Market Cap Growth	+75.7%	+28.3%	—	+2.8%	-12.2%
Enterprise Value	289.82M	252.22M	198.67M	195.95M	56.45M
Last Close Price	1.27	1.20	0.94	0.94	0.91
Valuation Multiples
PE Ratio	6.91	6.00	5.62	—	83.46
PS Ratio	0.99	0.86	0.81	0.81	0.68
PB Ratio	1.10	0.95	0.88	1.05	1.01
P/TBV Ratio	1.10	0.96	0.89	1.07	1.05
P/FCF Ratio	10.47	9.11	—	5.52	153.11
P/OCF Ratio	10.38	9.02	—	5.39	80.63
EV/Sales Ratio	0.90	0.79	0.74	0.74	0.18
EV/EBITDA Ratio	5.60	4.96	6.60	73.83	7.16
EV/EBIT Ratio	5.94	5.17	7.14	—	22.53
EV/FCF Ratio	9.56	8.32	—	5.03	41.33
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.00	0.02	0.03
Debt / EBITDA Ratio	0.06	0.06	0.02	0.68	0.63
Debt / FCF Ratio	0.11	0.11	—	0.10	5.02
Net Debt / Equity Ratio	-0.10	-0.10	-0.05	-0.17	-0.96
Net Debt / EBITDA Ratio	-0.55	-0.55	-0.44	-12.99	-25.23
Net Debt / FCF Ratio	-0.91	-0.91	0.51	-0.89	-145.54
Efficiency & Liquidity
Asset Turnover	0.23	0.23	0.18	0.18	0.18
Quick Ratio	0.28	0.28	5.06	7.21	0.48
Current Ratio	1.12	1.12	33.59	33.47	1.33
Returns & Yields
Return on Equity (ROE)	+17.3%	+17.3%	+17.1%	-1.2%	+1.1%
Return on Assets (ROA)	+2.1%	+2.1%	+1.2%	-0.1%	+0.1%
Return on Invested Capital (ROIC)	+16.0%	+17.1%	+11.2%	-1.2%	+1.1%
Earnings Yield	+14.5%	+16.7%	+17.8%	-1.2%	+1.2%
FCF Yield	+9.5%	+11.0%	-12.0%	+18.1%	+0.7%
Dividend Yield	+2.9%	+3.3%	—	—	—
Buyback Yield / Dilution	—	—	0.0%	—	—
Total Shareholder Return	+2.9%	+3.3%	—	—	—