Union Insurance

Union Insurance Company

UNIONStocksAbu Dhabi Securities ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	330.00M	345.00M	276.00M	264.50M	224.94M
Market Cap Growth	+65.9%	+73.5%	+28.3%	+23.0%	+4.6%
Enterprise Value	280.99M	317.32M	252.22M	221.59M	204.78M
Last Close Price	1.32	1.38	1.07	1.03	0.87
Valuation Multiples
PE Ratio	7.02	7.49	6.13	5.44	4.67
PS Ratio	0.94	0.99	0.86	0.88	0.80
PB Ratio	1.12	1.17	0.95	0.95	0.85
P/TBV Ratio	1.13	1.18	0.96	0.96	0.85
P/FCF Ratio	5.88	6.14	—	8.88	8.49
P/OCF Ratio	5.85	6.11	—	8.83	8.36
EV/Sales Ratio	0.80	0.91	0.79	0.74	0.73
EV/EBITDA Ratio	5.27	5.91	4.84	5.29	4.86
EV/EBIT Ratio	5.61	6.34	5.17	5.76	5.31
EV/FCF Ratio	5.00	5.65	—	7.44	7.73
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.00
Debt / EBITDA Ratio	0.05	0.04	0.05	0.07	0.01
Debt / FCF Ratio	0.05	0.05	—	0.12	0.01
Net Debt / Equity Ratio	-0.17	-0.17	-0.10	-0.09	-0.16
Net Debt / EBITDA Ratio	-0.94	-0.91	-0.53	-0.57	-1.02
Net Debt / FCF Ratio	-0.87	-0.87	-0.91	-0.80	-1.62
Efficiency & Liquidity
Asset Turnover	0.26	0.26	0.23	0.23	0.16
Quick Ratio	9.28	9.28	0.28	14.77	21.23
Current Ratio	41.77	41.77	1.12	85.71	103.71
Returns & Yields
Return on Equity (ROE)	+19.3%	+17.0%	+15.1%	+14.9%	+20.9%
Return on Assets (ROA)	+2.7%	+2.3%	+1.8%	+1.8%	+2.4%
Return on Invested Capital (ROIC)	+4.8%	+4.2%	+3.8%	+3.7%	+5.2%
Earnings Yield	+14.2%	+13.4%	+16.3%	+18.4%	+21.4%
FCF Yield	+17.0%	+16.3%	+11.0%	+11.3%	+11.8%
Dividend Yield	+2.8%	—	+3.4%	—	—
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+2.8%	—	+3.4%	—	—

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	330.00M	345.00M	276.00M	264.50M	224.94M
Market Cap Growth	+65.9%	+73.5%	+28.3%	+23.0%	+4.6%
Enterprise Value	280.99M	317.32M	252.22M	221.59M	204.78M
Last Close Price	1.32	1.38	1.07	1.03	0.87
Valuation Multiples
PE Ratio	7.02	7.49	6.13	5.44	4.67
PS Ratio	0.94	0.99	0.86	0.88	0.80
PB Ratio	1.12	1.17	0.95	0.95	0.85
P/TBV Ratio	1.13	1.18	0.96	0.96	0.85
P/FCF Ratio	5.88	6.14	—	8.88	8.49
P/OCF Ratio	5.85	6.11	—	8.83	8.36
EV/Sales Ratio	0.80	0.91	0.79	0.74	0.73
EV/EBITDA Ratio	5.27	5.91	4.84	5.29	4.86
EV/EBIT Ratio	5.61	6.34	5.17	5.76	5.31
EV/FCF Ratio	5.00	5.65	—	7.44	7.73
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.01	0.01	0.00
Debt / EBITDA Ratio	0.05	0.04	0.05	0.07	0.01
Debt / FCF Ratio	0.05	0.05	—	0.12	0.01
Net Debt / Equity Ratio	-0.17	-0.17	-0.10	-0.09	-0.16
Net Debt / EBITDA Ratio	-0.94	-0.91	-0.53	-0.57	-1.02
Net Debt / FCF Ratio	-0.87	-0.87	-0.91	-0.80	-1.62
Efficiency & Liquidity
Asset Turnover	0.26	0.26	0.23	0.23	0.16
Quick Ratio	9.28	9.28	0.28	14.77	21.23
Current Ratio	41.77	41.77	1.12	85.71	103.71
Returns & Yields
Return on Equity (ROE)	+19.3%	+17.0%	+15.1%	+14.9%	+20.9%
Return on Assets (ROA)	+2.7%	+2.3%	+1.8%	+1.8%	+2.4%
Return on Invested Capital (ROIC)	+4.8%	+4.2%	+3.8%	+3.7%	+5.2%
Earnings Yield	+14.2%	+13.4%	+16.3%	+18.4%	+21.4%
FCF Yield	+17.0%	+16.3%	+11.0%	+11.3%	+11.8%
Dividend Yield	+2.8%	—	+3.4%	—	—
Buyback Yield / Dilution	—	—	—	—	—
Total Shareholder Return	+2.8%	—	+3.4%	—	—