DFM/DNIR (DFM/DNIR)

Dubai Financial Market: DFM/DNIR · AED

AED 3.30

+0.00 (0.0%)· Recorded snapshot

Market cap	381.2M
Revenue (ttm)	400M
Net income (ttm)	58.9M
EPS (ttm)	AED 0.51
Shares out	115.5M
P/E (trailing)	6.5x
Dividend	AED 0.15 (4.54%)
Volume	0
Beta	0.14

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 400M
Net income (ttm): 58.9M
EPS (ttm): AED 0.51
P/E (trailing): 6.5x
Market cap: 381.2M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E6.5

P25 n/aP50 n/aP75 n/a

ROE6.3

P25 n/aP50 n/aP75 n/a

ROIC5.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DFM/DNIR indicators

Market & fundamental data

Available fields

216

Groups with data

Currency

AED

Showing 216 of 216 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	124
Employees change	8
Employees growth	6.9%
Enterprise value	AED 110.3M
Exchange	Dubai Financial Market
Financial currency	AED
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1991
Industry	Insurance - Diversified
Is primary listing	Yes
ISIN number	AED000101017
Last earnings date	2026-08-14
Last refreshed	2026-10-28
Last stock split date	2012-04-12
Last stock split type	Forward
Market cap	AED 381.2M
Next earnings date	2026-11-11
Price	AED 3.30
Price currency	AED
Sector	Financials
SIC code	6300
Stock price date	2026-10-27
Symbol	dfm/DNIR
Website	https://www.dni.ae

Valuation

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

Metric	Value
Average P/E ratio (10Y)	9.59x
Average P/E ratio (3Y)	9.16x
Average P/E ratio (5Y)	11.12x
Earnings yield	15.46%
EV/Earnings	1.87x
EV/EBIT	2.11x
EV/EBITDA	2.04x
EV/Sales	0.28x
FCF / EV yield	-9.51%
FCF yield	-2.75%
Graham number	9.88088
Graham upside	199.42%
Industry P/E	8.82x
Lynch fair value	AED 2.55
Lynch upside	-22.72%
P/B ratio	0.39x
P/E ratio	6.47x
P/OCF ratio	5.6x
P/S ratio	0.95x
Price / tangible book value	0.39x
Price/EBITDA ratio	7.05x
Sector forward P/E	7.74x
Sector P/E	8.03x

Profitability

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

Metric	Value
EBIT margin	13.07%
EBITDA margin	13.51%
Effective tax rate	5.7%
Gross margin	17.25%
Operating margin	13.07%
Pretax margin	15.62%
Profit margin	14.73%
Profit per employee	AED 475,081
Revenue per employee	AED 3.2M
ROA	1.96%
ROA (5Y)	2.38%
ROCE	5.22%
ROE	6.34%
ROE (5Y)	7.06%
ROIC	5.08%
ROIC (5Y)	6%
Tax / revenue	0.89%

Growth

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

Metric	Value
EPS growth	-10.37%
EPS growth (Q)	1.64%
EPS growth (QoQ)	-61.78%
EPS growth 10Y	3.03%
EPS growth 3Y	15.41%
EPS growth 5Y	2.91%
Net income growth	-10.37%
Net income growth (Q)	1.64%
Net income growth (QoQ)	-61.78%
Net income growth 3Y	15.41%
Net income growth 5Y	2.91%
OCF growth	153.46%
OCF growth (Q)	787.22%
OCF growth 10Y	12.94%
OCF growth 5Y	36.17%
Revenue growth	17.37%
Revenue growth (Q)	27.95%
Revenue growth (QoQ)	-11.09%
Revenue growth 10Y	11.2%
Revenue growth 3Y	21.6%
Revenue growth 5Y	21.53%

Financial statements

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

Metric	Value
Capital expenditures	AED -78.5M
EBIT	AED 52.3M
EBITDA	AED 54M
EPS	AED 0.51
FCF per share	AED -0.09
Financing cash flow	AED -17.3M
Free cash flow	AED -10.5M
Gross profit	AED 69M
Income taxes	AED 3.6M
Investing cash flow	AED -96.7M
Net cash flow	AED -46.1M
Net income	AED 58.9M
Operating income	AED 52.3M
Revenue	AED 400M

Financial strength

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

Metric	Value
Book value per share	AED 8.51
Debt / equity	0
Net cash (debt)	AED 270.8M
Net cash / market cap	71.06%
Net cash growth	-4.49%
Net debt / EBITDA	-5.01
Net debt / equity	-0.28
Piotroski F-Score	5
Property, plant and equipment	AED 107M
Shareholders' equity	AED 982.6M
Tangible book value	AED 982.6M
Tangible book value per share	AED 8.51
Total assets	AED 1.7B
Total cash	AED 273M
Total debt	AED 0
Total liabilities	AED 711.3M
WACC	5.01%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.24
Current ratio	1.08
Net working capital	AED -217.9M
Quick ratio	0.44
Working capital	AED 52.9M

Dividends and buybacks

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

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	-2.84%
Dividend growth (3Y)	14.47%
Dividend growth (5Y)	-12.94%
Dividend growth years	1
Dividend payment date	2026-05-05
Dividend payment years	21
Dividend payout frequency	Annual
Dividend per share	AED 0.15
Dividend yield	4.55%
Ex-dividend date	2026-04-24
Last dividend	AED 0.15
Payout ratio	29.41%
Shareholder yield	4.55%

Performance and technicals

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

Metric	Value
10Y price change	32%
10Y return CAGR	10.2%
10Y total return	164.11%
150-day SMA	AED 3.31
15Y price change	62.64%
15Y return CAGR	10.85%
15Y total return	368.85%
1D price change	0%
1M price change	-2.65%
1M total return	-2.65%
1W price change	-2.37%
1W total return	-2.37%
1Y price change	-4.35%
1Y return CAGR	0.21%
1Y total return	0.21%
20-day SMA	AED 3.19
200-day SMA	AED 3.62
20Y price change	1.1%
20Y return CAGR	8.81%
20Y total return	441.2%
3M price change	6.45%
3M total return	6.45%
3Y price change	-34%
3Y return CAGR	-9.66%
3Y total return	-26.28%
50-day SMA	AED 3.24
50-day SMA vs 200-day SMA	50under200
52-week high	AED 3.74
52-week high date	2025-11-20
52-week low	AED 2.71
52-week low date	2025-12-05
5Y price change	-13.16%
5Y return CAGR	0.73%
5Y total return	3.69%
6M price change	1.54%
6M total return	6.37%
All-time high	AED 10.61
All-time high date	2005-11-10
All-time low	AED 0.62
All-time low date	2001-09-02
Average true range (ATR)	AED 0.11
Average volume	9.5K
Beta (1Y)	0.4
Beta (2Y)	0.15
Beta (5Y)	0.14
Change from 52-week high	-11.76%
Change from 52-week low	21.77%
Change from all-time high	-68.89%
Change from all-time low	429.36%
Change from open	0%
Day's gap	0%
High price	AED 3.30
Low price	AED 3.30
Monthly RSI	44.27
Open price	AED 3.30
Previous close	AED 3.30
Price vs 150-day SMA	-0.33%
Price vs 20-day SMA	3.35%
Price vs 200-day SMA	-8.81%
Price vs 50-day SMA	1.95%
Relative volume	0.32
RSI	53.74
Sharpe ratio	0.09
Sharpe ratio (3Y)	0.93
Sortino ratio	0.2
Sortino ratio (3Y)	1.57
Volume	0
Weekly RSI	45.99
YTD price change	-0.9%
YTD total return	3.82%

Ownership and float

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

Metric	Value
Float	61.9M
Shares change (QoQ)	0%
Shares held by insiders	29.1%
Shares held by institutions	28.27%
Shares outstanding	115.5M

Deeper analysis on DFM/DNIR

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

Forecast

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

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Valuation

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

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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 DFM/DNIR report

Is a complete DFM/DNIR research report available?

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

DFM/DNIR (DFM/DNIR)

Price

Financial snapshot

Fair-value bridge

Latest news · DFM/DNIR

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DFM/DNIR 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 DFM/DNIR

Frequently asked questions