ADX/UNION (ADX/UNION)

Abu Dhabi Securities Exchange: ADX/UNION · AED

AED 1.32

+0.00 (0.0%)· Recorded snapshot

Market cap	330M
Revenue (ttm)	365.6M
Net income (ttm)	49.1M
EPS (ttm)	AED 0.20
Shares out	250M
P/E (trailing)	6.7x
Dividend	AED 0.04 (2.79%)
Beta	0.30

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 365.6M
Net income (ttm): 49.1M
EPS (ttm): AED 0.20
P/E (trailing): 6.7x
Market cap: 330M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E6.7

P25 n/aP50 n/aP75 n/a

ROE17.2

P25 n/aP50 n/aP75 n/a

ROIC16.2

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ADX/UNION indicators

Market & fundamental data

Available fields

213

Groups with data

Currency

AED

Showing 213 of 213 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AED
Country	United Arab Emirates
Country code	AE
Earnings date	2026-11-12
Employees	244
Employees change	-22
Employees growth	-8.27%
Enterprise value	AED 246.8M
Exchange	Abu Dhabi Securities Exchange
Financial currency	AED
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1998
Industry	Insurance Carriers
Is primary listing	Yes
ISIN number	AEU000501012
Last earnings date	2026-08-06
Last refreshed	2026-10-29
Last stock split date	2026-03-27
Last stock split type	Forward
Market cap	AED 330M
Next earnings date	2026-11-12
Price	AED 1.32
Price currency	AED
SIC code	6300
Stock price date	2026-10-29
Symbol	adx/UNION
Website	https://www.unioninsurance.ae

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	22.57x
Average P/E ratio (3Y)	6.58x
Average P/E ratio (5Y)	17.34x
Earnings yield	14.88%
EV/Earnings	5.03x
EV/EBIT	4.71x
EV/EBITDA	4.41x
EV/FCF	3.87x
EV/Sales	0.68x
FCF / EV yield	25.84%
FCF yield	19.32%
Graham number	2.32557
Graham upside	76.18%
Industry P/E	10.71x
Lynch fair value	AED 2.14
Lynch upside	61.78%
P/B ratio	1.08x
P/E ratio	6.72x
P/FCF ratio	5.18x
P/OCF ratio	5.14x
P/S ratio	0.9x
Price / tangible book value	1.08x
Price/EBITDA ratio	5.99x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	14.32%
EBITDA margin	15.06%
Effective tax rate	6.21%
FCF margin	17.44%
Gross margin	15.17%
Operating margin	14.32%
Pretax margin	14.32%
Profit margin	13.43%
Profit per employee	AED 201,217
Revenue per employee	AED 1.5M
ROA	2.17%
ROA (5Y)	0.75%
ROCE	3.38%
ROE	17.16%
ROE (5Y)	8.01%
ROIC	16.2%
ROIC (5Y)	6.8%
Tax / revenue	0.89%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	2%
EPS growth (Q)	21.45%
EPS growth (QoQ)	-16.37%
EPS growth 5Y	10.87%
FCF growth	140.8%
FCF growth (Q)	35.16%
FCF growth (QoQ)	-7.44%
FCF growth 3Y	20.15%
Net income growth	2%
Net income growth (Q)	21.45%
Net income growth (QoQ)	-16.37%
Net income growth 5Y	10.87%
OCF growth	138.53%
OCF growth (Q)	35.62%
OCF growth (QoQ)	-6.89%
OCF growth 10Y	-7.25%
OCF growth 3Y	19.65%
Revenue growth	29.92%
Revenue growth (Q)	18.41%
Revenue growth (QoQ)	10.84%
Revenue growth 10Y	-0.22%
Revenue growth 3Y	11.62%
Revenue growth 5Y	-2.79%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AED -418,000
EBIT	AED 52.3M
EBITDA	AED 55.1M
EPS	AED 0.20
FCF per share	AED 0.26
Financing cash flow	AED -9.5M
Free cash flow	AED 63.8M
Gross profit	AED 55.5M
Income taxes	AED 3.3M
Investing cash flow	AED -11.4M
Net borrowing	AED -304,000
Net cash flow	AED 43.3M
Net income	AED 49.1M
Operating income	AED 52.3M
Revenue	AED 365.6M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AED 1.22
Debt / EBITDA	0.06
Debt / equity	0.01
Debt / FCF	0.05
Net cash (debt)	AED 83.2M
Net cash / market cap	25.22%
Net cash growth	93.95%
Net debt / EBITDA	-1.51
Net debt / equity	-0.27
Net debt / FCF	-1.31
Piotroski F-Score	5
Property, plant and equipment	AED 6.3M
Shareholders' equity	AED 306M
Tangible book value	AED 305M
Tangible book value per share	AED 1.22
Total assets	AED 1.6B
Total cash	AED 145.8M
Total debt	AED 3.2M
Total liabilities	AED 1.2B
WACC	5.84%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.24
Current ratio	93.93
Net working capital	AED 668.1M
Quick ratio	24.2
Working capital	AED 754.5M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-04-16
Dividend payment years	1
Dividend per share	AED 0.04
Dividend yield	2.79%
Ex-dividend date	2026-03-27
FCF payout ratio	15.68%
Last dividend	AED 0.04
Payout ratio	18.74%
Shareholder yield	2.79%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-30.27%
10Y return CAGR	-3.26%
10Y total return	-28.19%
150-day SMA	AED 1.34
15Y price change	-41.33%
15Y return CAGR	-3.3%
15Y total return	-39.59%
1D price change	0%
1M price change	-4.35%
1M total return	-4.35%
1Y price change	24.76%
1Y return CAGR	28.51%
1Y total return	28.49%
20-day SMA	AED 1.33
200-day SMA	AED 1.30
20Y price change	-40.78%
20Y return CAGR	-2.29%
20Y total return	-37.04%
3M price change	-3.65%
3M total return	-3.65%
3Y price change	57.03%
3Y return CAGR	17.37%
3Y total return	61.72%
50-day SMA	AED 1.33
50-day SMA vs 200-day SMA	50over200
52-week high	AED 1.38
52-week high date	2026-10-02
52-week low	AED 0.86
52-week low date	2025-11-27
5Y price change	40.44%
5Y return CAGR	7.66%
5Y total return	44.64%
6M price change	-4.35%
6M total return	-4.35%
All-time high	AED 6.75
All-time high date	2008-12-31
All-time low	AED 0.11
All-time low date	2001-05-23
Average true range (ATR)	AED 0.00
Average volume	1.3K
Beta (1Y)	0.32
Beta (2Y)	0.55
Beta (5Y)	0.3
Change from 52-week high	-4.35%
Change from 52-week low	53.29%
Change from all-time high	-80.45%
Change from all-time low	1,096.74%
Monthly RSI	63.42
Previous close	AED 1.32
Price vs 150-day SMA	-1.57%
Price vs 20-day SMA	-0.6%
Price vs 200-day SMA	1.69%
Price vs 50-day SMA	-0.6%
Relative volume	0.71
RSI	38.75
Sharpe ratio	0.84
Sharpe ratio (3Y)	0.5
Sharpe ratio (5Y)	0.28
Sortino ratio	1.77
Sortino ratio (3Y)	0.99
Sortino ratio (5Y)	0.62
Weekly RSI	51.84
YTD price change	19.57%
YTD total return	23.13%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	106.4M
Shares change (QoQ)	0%
Shares held by insiders	24.76%
Shares held by institutions	20.16%
Shares outstanding	250M

Deeper analysis on ADX/UNION

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this ADX/UNION report

Is a complete ADX/UNION research report available?

No complete published report is available for adx/UNION (ADX/UNION) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ADX/UNION (ADX/UNION)

Price

Financial snapshot

Fair-value bridge

Latest news · ADX/UNION

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ADX/UNION indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ADX/UNION

Frequently asked questions