Stock UNION UNION INSURANCE COMPANY
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Financials Union Insurance Company

Equities

UNION

AEU000501012

Property & Casualty Insurance

Market Closed - Abu Dhabi Securities Exchange
Other stock markets
 06:55:00 2024-04-26 am EDT 		5-day change 1st Jan Change
0.558 AED +14.81% Intraday chart for Union Insurance Company +14.81% -14.15%
Mar. 26 Union Insurance to Halt Trading in April Amid Board Meeting MT
Mar. 14 UAE's Union Insurance Co Flags Trading Halt MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 297.8 248.2 231.7 238.3 209.2 215.1
Enterprise Value (EV) 1 276.3 204.2 186.1 146.4 10.34 180.6
P/E ratio 48.1 x 11.6 x 35.1 x 18 x 11.4 x -86.8 x
Yield - - - - - -
Capitalization / Revenue 0.6 x 0.51 x 0.59 x 0.6 x 0.53 x 0.81 x
EV / Revenue 0.56 x 0.42 x 0.48 x 0.37 x 0.03 x 0.68 x
EV / EBITDA 16.7 x 7.35 x 13.4 x 8.04 x 0.44 x 68.1 x
EV / FCF 5.48 x 7.47 x 1.23 x 10.4 x -0.98 x 4.34 x
FCF Yield 18.2% 13.4% 81.6% 9.63% -102% 23%
Price to Book 0.99 x 0.76 x 0.7 x 1.01 x 0.82 x 1.05 x
Nbr of stocks (in thousands) 330,939 330,939 330,939 330,939 330,939 330,939
Reference price 2 0.9000 0.7500 0.7000 0.7200 0.6320 0.6500
Announcement Date 3/20/19 3/12/20 3/18/21 3/29/22 3/21/23 3/20/24
1AED in Million2AED
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 492.5 491.1 391.2 397.1 395.8 266.7
EBITDA 1 16.54 27.77 13.85 18.2 23.7 2.654
EBIT 1 12.59 23.41 9.749 13.22 18.33 -2.479
Operating Margin 2.56% 4.77% 2.49% 3.33% 4.63% -0.93%
Earnings before Tax (EBT) 1 6.197 21.47 6.591 13.22 18.33 -2.479
Net income 1 6.197 21.47 6.591 13.22 18.33 -2.479
Net margin 1.26% 4.37% 1.68% 3.33% 4.63% -0.93%
EPS 2 0.0187 0.0649 0.0199 0.0399 0.0554 -0.007490
Free Cash Flow 1 50.41 27.34 151.9 14.1 -10.5 41.6
FCF margin 10.24% 5.57% 38.83% 3.55% -2.65% 15.6%
FCF Conversion (EBITDA) 304.81% 98.44% 1,096.46% 77.45% - 1,567.58%
FCF Conversion (Net income) 813.49% 127.33% 2,304.38% 106.65% - -
Dividend per Share - - - - - -
Announcement Date 3/20/19 3/12/20 3/18/21 3/29/22 3/21/23 3/20/24
1AED in Million2AED
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 21.5 44 45.6 91.8 199 34.5
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 50.4 27.3 152 14.1 -10.5 41.6
ROE (net income / shareholders' equity) 2.03% 6.86% 2.01% 5.78% 7.49% -1.2%
ROA (Net income/ Total Assets) 0.46% 0.85% 0.34% 0.46% 0.59% -0.1%
Assets 1 1,348 2,537 1,946 2,899 3,107 2,411
Book Value Per Share 2 0.9100 0.9800 1.000 0.7100 0.7700 0.6200
Cash Flow per Share 2 0.0800 0.1400 0.1500 0.2800 0.6200 0.1200
Capex 1 5.8 1.78 2.7 1.99 1.23 0.93
Capex / Sales 1.18% 0.36% 0.69% 0.5% 0.31% 0.35%
Announcement Date 3/20/19 3/12/20 3/18/21 3/29/22 3/21/23 3/20/24
1AED in Million2AED
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

Company calendar

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Other Property & Casualty Insurance
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