ADX/DHAFRA (ADX/DHAFRA)

Abu Dhabi Securities Exchange: ADX/DHAFRA · AED

AED 8.51

+0.00 (0.0%)· Recorded snapshot

Market cap	851M
Revenue (ttm)	137.5M
Net income (ttm)	48.3M
EPS (ttm)	AED 0.48
Shares out	100M
P/E (trailing)	17.6x
Dividend	AED 0.35 (4.11%)
Beta	-0.32

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 137.5M
Net income (ttm): 48.3M
EPS (ttm): AED 0.48
P/E (trailing): 17.6x
Market cap: 851M

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/E17.6

P25 n/aP50 n/aP75 n/a

ROE8.3

P25 n/aP50 n/aP75 n/a

ROIC7.9

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All ADX/DHAFRA indicators

Market & fundamental data

Available fields

214

Groups with data

Currency

AED

Showing 214 of 214 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	2026-11-11
Employees	175
Enterprise value	AED 623.5M
Exchange	Abu Dhabi Securities Exchange
Financial currency	AED
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1979
Industry	Insurance Carriers
Is primary listing	Yes
ISIN number	AEA000601012
Last earnings date	2026-08-12
Last refreshed	2026-10-29
Last stock split date	2012-03-29
Last stock split type	Forward
Market cap	AED 851M
Next earnings date	2026-11-11
Price	AED 8.51
Price currency	AED
SIC code	6300
Stock price date	2026-10-29
Symbol	adx/DHAFRA
Website	https://www.aldhafrainsurance.ae

Valuation

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

Metric	Value
Average P/E ratio (10Y)	13.57x
Average P/E ratio (3Y)	12.65x
Average P/E ratio (5Y)	14.84x
Earnings yield	5.68%
EV/Earnings	12.9x
EV/EBIT	12.96x
EV/EBITDA	12.53x
EV/FCF	4.12x
EV/Sales	4.54x
FCF / EV yield	24.24%
FCF yield	17.76%
Graham number	8.02068
Graham upside	-5.75%
Industry P/E	10.71x
Lynch fair value	AED 2.42
Lynch upside	-71.6%
P/B ratio	1.44x
P/E ratio	17.61x
P/FCF ratio	5.63x
P/OCF ratio	5.61x
P/S ratio	6.19x
Price / tangible book value	1.44x
Price/EBITDA ratio	17.49x

Profitability

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

Metric	Value
EBIT margin	35%
EBITDA margin	35.39%
Effective tax rate	4.64%
FCF margin	109.97%
Gross margin	23.62%
Operating margin	35%
Pretax margin	36.87%
Profit margin	35.16%
Profit per employee	AED 276,185
Revenue per employee	AED 785,531
ROA	1.85%
ROA (5Y)	1.91%
ROCE	3.68%
ROE	8.31%
ROE (5Y)	8.03%
ROIC	7.93%
ROIC (5Y)	7.71%
Tax / revenue	1.71%

Growth

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

Metric	Value
EPS growth	11.6%
EPS growth (Q)	47.99%
EPS growth (QoQ)	-33.87%
EPS growth 3Y	-2.5%
EPS growth 5Y	0.83%
FCF growth	165.81%
FCF growth (Q)	577%
FCF growth 5Y	76.7%
Net income growth	11.6%
Net income growth (Q)	47.99%
Net income growth (QoQ)	-33.88%
Net income growth 3Y	-2.5%
Net income growth 5Y	0.83%
OCF growth	162.82%
OCF growth (Q)	576.68%
OCF growth 5Y	74.71%
Revenue growth	10.21%
Revenue growth (Q)	30.41%
Revenue growth (QoQ)	-1.29%
Revenue growth 10Y	-5.71%
Revenue growth 5Y	-1.08%

Financial statements

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

Metric	Value
Capital expenditures	AED -445,933
EBIT	AED 48.1M
EBITDA	AED 48.6M
EPS	AED 0.48
FCF per share	AED 1.51
Financing cash flow	AED -36.7M
Free cash flow	AED 151.2M
Gross profit	AED 32.5M
Income taxes	AED 2.3M
Investing cash flow	AED 53.8M
Net borrowing	AED -1.7M
Net cash flow	AED 168.7M
Net income	AED 48.3M
Operating income	AED 48.1M
Revenue	AED 137.5M

Financial strength

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

Metric	Value
Book value per share	AED 5.92
Debt / EBITDA	0.12
Debt / equity	0.01
Debt / FCF	0.04
Interest coverage	99.2
Net cash (debt)	AED 227.5M
Net cash / market cap	26.73%
Net cash growth	276.19%
Net debt / EBITDA	-4.68
Net debt / equity	-0.38
Net debt / FCF	-1.5
Piotroski F-Score	4
Property, plant and equipment	AED 7.2M
Shareholders' equity	AED 591.6M
Tangible book value	AED 589.5M
Tangible book value per share	AED 5.90
Total assets	AED 1.7B
Total cash	AED 417.8M
Total debt	AED 5.8M
Total liabilities	AED 1.1B
WACC	2.53%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.08
Current ratio	2.69
Net working capital	AED 478.7M
Quick ratio	1.5
Working capital	AED 712M

Dividends and buybacks

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

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	8.84%
Dividend growth (3Y)	5.27%
Dividend growth (5Y)	-2.64%
Dividend growth years	0
Dividend payment date	2026-04-27
Dividend payment years	10
Dividend payout frequency	Annual
Dividend per share	AED 0.35
Dividend yield	4.11%
Ex-dividend date	2026-04-03
FCF payout ratio	23.15%
Last dividend	AED 0.35
Payout ratio	72.42%
Shareholder yield	4.11%

Performance and technicals

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

Metric	Value
10Y price change	70.2%
10Y return CAGR	14.1%
10Y total return	273.79%
150-day SMA	AED 7.62
15Y price change	44.36%
15Y return CAGR	9.88%
15Y total return	310.9%
1D price change	0%
1M price change	-4.92%
1M total return	-4.92%
1Y price change	75.1%
1Y return CAGR	85.29%
1Y total return	85.22%
20-day SMA	AED 8.82
200-day SMA	AED 7.08
20Y price change	74.56%
20Y return CAGR	10.44%
20Y total return	628.58%
3M price change	9.24%
3M total return	9.24%
3Y price change	92.97%
3Y return CAGR	33.68%
3Y total return	138.92%
50-day SMA	AED 8.85
50-day SMA vs 200-day SMA	50over200
52-week high	AED 8.95
52-week high date	2026-10-20
52-week low	AED 4.86
52-week low date	2026-02-02
5Y price change	89.96%
5Y return CAGR	21.33%
5Y total return	162.94%
6M price change	37.04%
6M total return	37.04%
All-time high	AED 86.25
All-time high date	2006-02-21
All-time low	AED 3.00
All-time low date	2019-12-30
Average true range (ATR)	AED 0.02
Average volume	0.1
Beta (1Y)	0.03
Beta (2Y)	0.02
Beta (5Y)	-0.32
Change from 52-week high	-4.92%
Change from 52-week low	75.1%
Change from all-time high	-90.13%
Change from all-time low	183.67%
Monthly RSI	73.51
Previous close	AED 8.51
Price vs 150-day SMA	11.67%
Price vs 20-day SMA	-3.49%
Price vs 200-day SMA	20.21%
Price vs 50-day SMA	-3.85%
Relative volume	20
RSI	10.94
Sharpe ratio	1.81
Sharpe ratio (3Y)	1
Sharpe ratio (5Y)	0.7
Sortino ratio	7.41
Sortino ratio (3Y)	2.49
Sortino ratio (5Y)	1.72
Weekly RSI	67.74
YTD price change	75.1%
YTD total return	85.22%

Ownership and float

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

Metric	Value
Float	51.4M
Shares change (QoQ)	0%
Shares held by insiders	36.17%
Shares held by institutions	21.85%
Shares outstanding	100M

Deeper analysis on ADX/DHAFRA

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.

→

Risks

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

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

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

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this ADX/DHAFRA report

Is a complete ADX/DHAFRA research report available?

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

Market cap

851M

Revenue (ttm)

137.5M

Net income (ttm)

48.3M

EPS (ttm)

AED 0.48

Shares out

100M

P/E (trailing)

17.6x

Dividend

AED 0.35 (4.11%)

Beta

-0.32

Metric

Value

Amount currency

AED

Country

United Arab Emirates

Country code

Earnings date

2026-11-11

Employees

175

Enterprise value

AED 623.5M

Exchange

Abu Dhabi Securities Exchange

Financial currency

AED

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1979

Industry

Insurance Carriers

Is primary listing

Yes

ISIN number

AEA000601012

Last earnings date

2026-08-12

Last refreshed

2026-10-29

Last stock split date

2012-03-29

Last stock split type

Forward

Market cap

AED 851M

Next earnings date

2026-11-11

Price

AED 8.51

Price currency

AED

SIC code

6300

Stock price date

2026-10-29

Symbol

adx/DHAFRA

Website

https://www.aldhafrainsurance.ae

Metric

Value

Average P/E ratio (10Y)

13.57x

Average P/E ratio (3Y)

12.65x

Average P/E ratio (5Y)

14.84x

Earnings yield

5.68%

EV/Earnings

12.9x

EV/EBIT

12.96x

EV/EBITDA

12.53x

EV/FCF

4.12x

EV/Sales

4.54x

FCF / EV yield

24.24%

FCF yield

17.76%

Graham number

8.02068

Graham upside

-5.75%

Industry P/E

10.71x

Lynch fair value

AED 2.42

Lynch upside

-71.6%

P/B ratio

1.44x

P/E ratio

17.61x

P/FCF ratio

5.63x

P/OCF ratio

5.61x

P/S ratio

6.19x

Price / tangible book value

1.44x

Price/EBITDA ratio

17.49x

Metric

Value

EBIT margin

35%

EBITDA margin

35.39%

Effective tax rate

4.64%

FCF margin

109.97%

Gross margin

23.62%

Operating margin

35%

Pretax margin

36.87%

Profit margin

35.16%

Profit per employee

AED 276,185

Revenue per employee

AED 785,531

ROA

1.85%

ROA (5Y)

1.91%

ROCE

3.68%

ROE

8.31%

ROE (5Y)

8.03%

ROIC

7.93%

ROIC (5Y)

7.71%

Tax / revenue

1.71%

Metric

Value

EPS growth

11.6%

EPS growth (Q)

47.99%

EPS growth (QoQ)

-33.87%

EPS growth 3Y

-2.5%

EPS growth 5Y

0.83%

FCF growth

165.81%

FCF growth (Q)

577%

FCF growth 5Y

76.7%

Net income growth

11.6%

Net income growth (Q)

47.99%

Net income growth (QoQ)

-33.88%

Net income growth 3Y

-2.5%

Net income growth 5Y

0.83%

OCF growth

162.82%

OCF growth (Q)

576.68%

OCF growth 5Y

74.71%

Revenue growth

10.21%

Revenue growth (Q)

30.41%

Revenue growth (QoQ)

-1.29%

Revenue growth 10Y

-5.71%

Revenue growth 5Y

-1.08%

Metric

Value

Capital expenditures

AED -445,933

EBIT

AED 48.1M

EBITDA

AED 48.6M

EPS

AED 0.48

FCF per share

AED 1.51

Financing cash flow

AED -36.7M

Free cash flow

AED 151.2M

Gross profit

AED 32.5M

Income taxes

AED 2.3M

Investing cash flow

AED 53.8M

Net borrowing

AED -1.7M

Net cash flow

AED 168.7M

Net income

AED 48.3M

Operating income

AED 48.1M

Revenue

AED 137.5M

Metric

Value

Book value per share

AED 5.92

Debt / EBITDA

0.12

Debt / equity

0.01

Debt / FCF

0.04

Interest coverage

99.2

Net cash (debt)

AED 227.5M

Net cash / market cap

26.73%

Net cash growth

276.19%

Net debt / EBITDA

-4.68

Net debt / equity

-0.38

Net debt / FCF

-1.5

Piotroski F-Score

Property, plant and equipment

AED 7.2M

Shareholders' equity

AED 591.6M

Tangible book value

AED 589.5M

Tangible book value per share

AED 5.90

Total assets

AED 1.7B

Total cash

AED 417.8M

Total debt

AED 5.8M

Total liabilities

AED 1.1B

WACC

2.53%

Metric

Value

Asset turnover

0.08

Current ratio

2.69

Net working capital

AED 478.7M

Quick ratio

1.5

Working capital

AED 712M

Metric

Value

Dividend growth

Dividend growth (10Y)

8.84%

Dividend growth (3Y)

5.27%

Dividend growth (5Y)

-2.64%

Dividend growth years

Dividend payment date

2026-04-27

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

AED 0.35

Dividend yield

4.11%

Ex-dividend date

2026-04-03

FCF payout ratio

23.15%

Last dividend

AED 0.35

Payout ratio

72.42%

Shareholder yield

4.11%

Metric

Value

10Y price change

70.2%

10Y return CAGR

14.1%

10Y total return

273.79%

150-day SMA

AED 7.62

15Y price change

44.36%

15Y return CAGR

9.88%

15Y total return

310.9%

1D price change

1M price change

-4.92%

1M total return

-4.92%

1Y price change

75.1%

1Y return CAGR

85.29%

1Y total return

85.22%

20-day SMA

AED 8.82

200-day SMA

AED 7.08

20Y price change

74.56%

20Y return CAGR

10.44%

20Y total return

628.58%

3M price change

9.24%

3M total return

9.24%

3Y price change

92.97%

3Y return CAGR

33.68%

3Y total return

138.92%

50-day SMA

AED 8.85

50-day SMA vs 200-day SMA

50over200

52-week high

AED 8.95

52-week high date

2026-10-20

52-week low

AED 4.86

52-week low date

2026-02-02

5Y price change

89.96%

5Y return CAGR

21.33%

5Y total return

162.94%

6M price change

37.04%

6M total return

37.04%

All-time high

AED 86.25

All-time high date

2006-02-21

All-time low

AED 3.00

All-time low date

2019-12-30

Average true range (ATR)

AED 0.02

Average volume

0.1

Beta (1Y)

0.03

Beta (2Y)

0.02

Beta (5Y)

-0.32

Change from 52-week high

-4.92%

Change from 52-week low

75.1%

Change from all-time high

-90.13%

Change from all-time low

183.67%

Monthly RSI

73.51

Previous close

AED 8.51

Price vs 150-day SMA

11.67%

Price vs 20-day SMA

-3.49%

Price vs 200-day SMA

20.21%

Price vs 50-day SMA

-3.85%

Relative volume

RSI

10.94

Sharpe ratio

1.81

Sharpe ratio (3Y)

Sharpe ratio (5Y)

0.7

Sortino ratio

7.41

Sortino ratio (3Y)

2.49

Sortino ratio (5Y)

1.72

Weekly RSI

67.74

YTD price change

75.1%

YTD total return

85.22%

Metric

Value

Float

51.4M

Shares change (QoQ)

Shares held by insiders

36.17%

Shares held by institutions

21.85%

Shares outstanding

100M

ADX/DHAFRA (ADX/DHAFRA)

Price

Financial snapshot

Fair-value bridge

Latest news · ADX/DHAFRA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ADX/DHAFRA 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/DHAFRA

Frequently asked questions

ADX/DHAFRA (ADX/DHAFRA)

Price

Financial snapshot

Fair-value bridge

Latest news · ADX/DHAFRA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ADX/DHAFRA 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/DHAFRA

Frequently asked questions