1. United Arab Emirates Stocks

  2. •

    Finance

  3. •

    Property/Casualty insurance
Al Sagr National Insurance Co. PSC

Al Sagr National Insurance Co. PSC

DDFM:ASNIC
0.66
AED
0.00
(0.00%)
-0.70EPS
151.11MMarket Cap
Al Sagr National Insurance Co. PSC
DFM:ASNIC
(Dubai Financial Market)

Recent

price

0.66

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
AED
1.99
1.33
1.54
1.46
1.47
1.42
1.33
1.34
0.96
1.12
1.5
1.66
1.52
2.63
2.97
2.61
1.86
Revenue per Share
-0.16
0.05
0.13
0.23
0.17
-0.45
0.09
0.09
0.08
0.02
0.02
-0.27
-0.22
0.03
-0.69
-0.63
-0.7
Basic EPS, GAAP
-0.3
0.02
0.08
-0.27
0.11
0.17
-0.13
-0.05
-0.03
0.22
0.26
-0.49
0.07
0.01
-0.18
-0.06
-0.06
Free Cash Flow per Basic Share
- -
- -
0.05
0.08
0.08
0.1
- -
0.05
0.05
0.05
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.46
2.48
2.55
2.32
2.41
1.85
1.94
1.98
1.58
1.37
1.39
1.1
0.88
0.91
0.24
-0.37
-0.54
Book Value per Share
2.46
2.48
2.55
2.32
2.41
1.85
1.94
1.98
1.58
1.37
1.39
1.1
0.88
0.91
0.23
-0.38
-0.55
Tangible Book Value per Share
230
230
230
230
230
230
230
230
230
230
230
230
230
230
230
230
230
Basic Weighted Avg Shares
457
306
355
335
339
327
306
307
222
258
345
381
349
604
684
601
427
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
3
2
2
2
2
1
3
3
6
3
2
2
2
2
Depreciation Expense
-37
11
29
54
38
-105
21
20
19
5
6
-63
-51
6
-158
-144
-162
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
-8.09
3.51
8.23
15.97
11.32
-32.02
6.89
6.63
8.52
1.86
1.67
-16.53
-14.57
1.07
-23.11
-23.93
-37.89
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
210
207
203
235
258
164
146
- -
- -
5
3
163
- -
7
5
3
4
LT Debt
565
575
591
535
556
427
448
455
364
316
320
254
203
209
55
-86
-125
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.37
3.84
6.51
4.56
- -
3.62
4.08
4.49
2.04
2.04
- -
- -
4.05
- -
- -
- -
Return on Capital (%)
-6.33
1.89
5.04
9.56
7.05
-21.32
4.82
4.51
4.61
1.41
1.81
-21.93
-22.27
3.13
-119.44
- -
- -
Return on Common Equity (%)

Capital Structure

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
241
241
241
LT Borrowings
- -
- -
- -
LT Finance Leases
3
4
4
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
230
230
230
Market Capitalization
151
151
151

Working Capital

AED

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
265
263
249
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
241
241
241
Deferred Revenue
- -
- -
- -

Growth Rates

AED

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-39.28%
-73.49%
-256.16%
Free Cash Flow
-385.77%
-571.83%
-68.29%
Net Income, GAAP
-407.15%
-777.19%
-8.99%
Sales/Revenue/Turnover
9.25%
15.23%
-12.1%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
159
181
170
176
684
2025
173
163
143
121
601
2026
91
72
- -
- -
- -

Quarterly Earnings Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.21
-0.18
- -
-0.28
-0.69
2025
-0.04
-0.05
-0.21
-0.33
-0.63
2026
0.01
-0.18
- -
- -
- -

Quarterly Dividends Per Share

AED

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Al Sagr National Insurance Company (PSC) is a United Arab Emirates-based public shareholding company engaged in the provision of non-life, life, and health insurance solutions, as well as reinsurance services, to individual, commercial, and institutional clients. Founded in 1979 and headquartered in Dubai, United Arab Emirates, the company operates across two core business segments: General Insurance and Life & Medical Insurance. Its comprehensive portfolio of underwriting products and services is structured across personal and commercial lines, comprising: Motor Insurance, including comprehensive motor vehicle coverage, third-party liability, agency repair options, roadside assistance, and passenger accident benefits; Medical and Health Insurance, encompassing individual and family health plans, domestic worker medical policies, and customized corporate group health insurance schemes with third-party administrator network access; Property Insurance, featuring commercial property all risks, fire and allied perils, business interruption, home contents, and burglary coverage; Marine and Aviation Insurance, offering marine cargo, freight transit, hull and machinery, and pleasure craft protection; Engineering Insurance, providing contractors all risks, erection all risks, machinery breakdown, and electronic equipment coverage; Liability Insurance, including general third-party liability, product liability, employer liability, workmen compensation, professional indemnity, and directors and officers liability; Financial Lines, consisting of fidelity guarantee, money-in-transit, and commercial crime insurance; and Life and Personal Accident Insurance, delivering individual term life, group term life, personal accident, and credit life solutions. The company serves retail policyholders, small and medium enterprises, and large corporate accounts through direct sales channels, online customer portals, a network of licensed insurance brokers, and branch offices located across Dubai, Abu Dhabi, Al Ain, Sharjah, Ajman, and Ras Al Khaimah. In recent developments, Al Sagr National Insurance Company has implemented strategic restructuring and capital management initiatives to optimize underwriting efficiency and fulfill enhanced regulatory solvency guidelines established by the Central Bank of the UAE and the Securities and Commodities Authority. The company has fully adopted International Financial Reporting Standard 17 (IFRS 17) for insurance contract measurement, modernized its core policy administration and automated claims processing systems, deployed upgraded digital self-service platforms for retail policy issuance, and restructured its reinsurance treaty arrangements to enhance risk retention standards and improve underwriting profitability.