Stock NGI NATIONAL GENERAL INSURANCE CO.
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Financials National General Insurance Co.

Equities

NGI

AEN000301012

Multiline Insurance & Brokers

Market Closed - Dubai FM
Other stock markets
 03:50:57 2024-04-26 am EDT 		5-day change 1st Jan Change
5.8 AED 0.00% Intraday chart for National General Insurance Co. +10.00% +35.75%
Apr. 17 National General Insurance Co. Resumes Trading in Dubai MT
Apr. 17 Dubai Insurer NGI Gets Shareholders Approval for Dividend MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 299.9 329.9 329.9 467.9 488.9 704.8
Enterprise Value (EV) 1 260.2 235.2 120.6 420.3 372.5 629.9
P/E ratio 9.56 x 18.9 x 7.1 x 6.61 x 9.12 x 9.41 x
Yield 7.5% 4.55% 6.82% 9.61% 7.67% 5.32%
Capitalization / Revenue 0.98 x 1.1 x 0.98 x 1.23 x 1.35 x 1.62 x
EV / Revenue 0.85 x 0.78 x 0.36 x 1.1 x 1.03 x 1.44 x
EV / EBITDA 5.94 x 12.1 x 2.53 x 5.82 x 6.74 x 8.22 x
EV / FCF 1.63 x 2.58 x 3.85 x 5.06 x 9.89 x 16.7 x
FCF Yield 61.3% 38.8% 26% 19.7% 10.1% 5.99%
Price to Book 0.65 x 0.72 x 0.67 x 0.88 x 0.92 x 1.23 x
Nbr of stocks (in thousands) 164,950 164,950 164,950 164,950 164,950 164,950
Reference price 2 1.818 2.000 2.000 2.836 2.964 4.273
Announcement Date 2/20/19 2/16/20 2/15/21 2/16/22 2/21/23 3/8/24
1AED in Million2AED
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 306.5 300.2 337.5 381.6 361.7 436.3
EBITDA 1 43.84 19.43 47.62 72.27 55.27 76.66
EBIT 1 41.27 17.46 46.11 70.79 53.62 74.88
Operating Margin 13.47% 5.82% 13.66% 18.55% 14.83% 17.16%
Earnings before Tax (EBT) 1 31.37 17.46 46.11 70.79 53.62 74.88
Net income 1 31.37 17.46 46.11 70.79 53.62 74.88
Net margin 10.23% 5.82% 13.66% 18.55% 14.83% 17.16%
EPS 2 0.1902 0.1058 0.2818 0.4291 0.3251 0.4540
Free Cash Flow 1 159.6 91.3 31.33 82.99 37.67 37.74
FCF margin 52.08% 30.41% 9.28% 21.75% 10.42% 8.65%
FCF Conversion (EBITDA) 364.12% 469.88% 65.8% 114.84% 68.16% 49.23%
FCF Conversion (Net income) 508.9% 522.98% 67.95% 117.25% 70.26% 50.4%
Dividend per Share 2 0.1364 0.0909 0.1364 0.2727 0.2273 0.2273
Announcement Date 2/20/19 2/16/20 2/15/21 2/16/22 2/21/23 3/8/24
1AED in Million2AED
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 39.7 94.7 209 47.6 116 74.9
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 160 91.3 31.3 83 37.7 37.7
ROE (net income / shareholders' equity) 6.75% 3.79% 9.73% 13.8% 10.1% 13.5%
ROA (Net income/ Total Assets) 2.12% 0.91% 2.25% 3.06% 2.22% 3.67%
Assets 1 1,478 1,916 2,049 2,313 2,420 2,039
Book Value Per Share 2 2.810 2.770 2.970 3.230 3.210 3.480
Cash Flow per Share 2 0.2400 0.5700 1.310 0.3300 0.7100 0.4500
Capex 1 0.55 2.77 0.39 4.98 3.77 3.11
Capex / Sales 0.18% 0.92% 0.11% 1.3% 1.04% 0.71%
Announcement Date 2/20/19 2/16/20 2/15/21 2/16/22 2/21/23 3/8/24
1AED in Million2AED
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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