National General Insurance

National General Insurance Co (P.J.S.C)

NGIStocksDubai Financial MarketInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	162.08M	21.26M	159.95M	40.26M	86.54M
Free Cash Flow	161.09M	19.94M	156.84M	36.48M	81.56M
Capital Expenditures	-0.99M	-1.32M	-3.11M	-3.77M	-4.98M
Investing & Financing
Investing Cash Flow	-106.25M	-6.22M	-159.07M	71.82M	-222.31M
Financing Cash Flow	-74.23M	-37.49M	-42.36M	-50.11M	-25.89M
Dividends Paid	-74.23M	-37.49M	-37.49M	-44.99M	-22.49M
Operating Activities
Operating Cash Flow	162.08M	21.26M	159.95M	40.26M	86.54M
Net Income	119.19M	127.50M	74.88M	60.54M	70.79M
Change Accounts Receivable Insurance	171.18M	-219.77M	-16.83M	-3.21M	-2.07M
Change in Unearned Revenue	—	—	—	—	18.71M
Change in Working Capital	131.61M	-15.26M	118.10M	-5.37M	62.12M
Change Insurance Reserves Liabilities	-42.90M	178.83M	127.77M	11.99M	45.47M
Change Other Net Oper Assets Insurance	3.33M	25.68M	7.16M	-14.15M	—
Other Operating Activities Insurance	-55.33M	-24.89M	-22.19M	-14.16M	-15.32M
Depreciation & Amortization	2.12M	1.78M	1.78M	1.65M	1.48M
Other Amortization	1.17M	1.22M	1.23M	0.78M	1.06M
Cash Income Tax Paid	8.90M	—	—	—	—
Investing Activities
Investing Cash Flow	-106.25M	-6.22M	-159.07M	71.82M	-222.31M
Capex Insurance	-0.99M	-1.32M	-3.11M	-3.77M	-4.98M
Investment in Securities	-153.57M	-190.30M	-183.23M	66.59M	-231.87M
Other Investing Activities	48.13M	29.51M	23.60M	9.00M	14.54M
Sale of Property, Plant & Equipment	0.18M	0.24M	3.67M	—	—
Gain Assets CF Insurance	-0.18M	-40.96M	—	—	—
Loss (Gain) on Sale of Investments	-36.33M	-24.00M	-12.99M	-2.73M	-27.75M
Financing Activities
Financing Cash Flow	-74.23M	-37.49M	-42.36M	-50.11M	-25.89M
Common Dividends Paid	-74.23M	-37.49M	-37.49M	-44.99M	-22.49M
Other Financing Activities Insurance	—	—	-4.88M	-5.13M	-3.40M
Free Cash Flow & Returns
Free Cash Flow	161.09M	19.94M	156.84M	36.48M	81.56M
Free Cash Flow Growth	+708.0%	-87.3%	+329.9%	-55.3%	+40.9%
Free Cash Flow Margin	+24.2%	+3.3%	+35.9%	+10.6%	+21.1%
Free Cash Flow Per Share	0.98	0.12	0.95	0.22	0.49
Levered Free Cash Flow	235.98M	-78.12M	37.74M	-402.02M	83.00M
Unlevered Free Cash Flow	235.98M	-78.12M	37.74M	-402.02M	83.00M
Operating Cash Flow Growth	+662.5%	-86.7%	+297.3%	-53.5%	+48.5%
Net Cash Flow	-18.40M	-22.46M	-41.49M	61.96M	-161.66M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	162.08M	21.26M	159.95M	40.26M	86.54M
Free Cash Flow	161.09M	19.94M	156.84M	36.48M	81.56M
Capital Expenditures	-0.99M	-1.32M	-3.11M	-3.77M	-4.98M
Investing & Financing
Investing Cash Flow	-106.25M	-6.22M	-159.07M	71.82M	-222.31M
Financing Cash Flow	-74.23M	-37.49M	-42.36M	-50.11M	-25.89M
Dividends Paid	-74.23M	-37.49M	-37.49M	-44.99M	-22.49M
Operating Activities
Operating Cash Flow	162.08M	21.26M	159.95M	40.26M	86.54M
Net Income	119.19M	127.50M	74.88M	60.54M	70.79M
Change Accounts Receivable Insurance	171.18M	-219.77M	-16.83M	-3.21M	-2.07M
Change in Unearned Revenue	—	—	—	—	18.71M
Change in Working Capital	131.61M	-15.26M	118.10M	-5.37M	62.12M
Change Insurance Reserves Liabilities	-42.90M	178.83M	127.77M	11.99M	45.47M
Change Other Net Oper Assets Insurance	3.33M	25.68M	7.16M	-14.15M	—
Other Operating Activities Insurance	-55.33M	-24.89M	-22.19M	-14.16M	-15.32M
Depreciation & Amortization	2.12M	1.78M	1.78M	1.65M	1.48M
Other Amortization	1.17M	1.22M	1.23M	0.78M	1.06M
Cash Income Tax Paid	8.90M	—	—	—	—
Investing Activities
Investing Cash Flow	-106.25M	-6.22M	-159.07M	71.82M	-222.31M
Capex Insurance	-0.99M	-1.32M	-3.11M	-3.77M	-4.98M
Investment in Securities	-153.57M	-190.30M	-183.23M	66.59M	-231.87M
Other Investing Activities	48.13M	29.51M	23.60M	9.00M	14.54M
Sale of Property, Plant & Equipment	0.18M	0.24M	3.67M	—	—
Gain Assets CF Insurance	-0.18M	-40.96M	—	—	—
Loss (Gain) on Sale of Investments	-36.33M	-24.00M	-12.99M	-2.73M	-27.75M
Financing Activities
Financing Cash Flow	-74.23M	-37.49M	-42.36M	-50.11M	-25.89M
Common Dividends Paid	-74.23M	-37.49M	-37.49M	-44.99M	-22.49M
Other Financing Activities Insurance	—	—	-4.88M	-5.13M	-3.40M
Free Cash Flow & Returns
Free Cash Flow	161.09M	19.94M	156.84M	36.48M	81.56M
Free Cash Flow Growth	+708.0%	-87.3%	+329.9%	-55.3%	+40.9%
Free Cash Flow Margin	+24.2%	+3.3%	+35.9%	+10.6%	+21.1%
Free Cash Flow Per Share	0.98	0.12	0.95	0.22	0.49
Levered Free Cash Flow	235.98M	-78.12M	37.74M	-402.02M	83.00M
Unlevered Free Cash Flow	235.98M	-78.12M	37.74M	-402.02M	83.00M
Operating Cash Flow Growth	+662.5%	-86.7%	+297.3%	-53.5%	+48.5%
Net Cash Flow	-18.40M	-22.46M	-41.49M	61.96M	-161.66M