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Emirati (ADX) Insurance Industry Analysis

UpdatedDec 05, 2025
DataAggregated Company Financials
Companies22
  • 7D-0.7%
  • 3M-3.6%
  • 1Y1.2%
  • YTD1.7%

The Insurance is pretty flat in the last 7 days, but Union Insurance Company P.J.S.C has stood out, gaining 12%. In line with that, the industry has also been flat over the past 12 months. Looking forward, earnings are forecast to grow by 7.5% annually.

Industry Valuation and Performance

Has the Emirati Insurance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 05 Dec 2025د.إ15.3bد.إ24.5bد.إ2.0b8x7.8x0.6x
Sun, 02 Nov 2025د.إ15.8bد.إ25.7bد.إ1.7b9x9.1x0.6x
Tue, 30 Sep 2025د.إ15.8bد.إ25.4bد.إ1.7b8.8x9.3x0.6x
Thu, 28 Aug 2025د.إ15.7bد.إ25.4bد.إ1.7b8.6x9.2x0.6x
Sat, 26 Jul 2025د.إ15.5bد.إ26.0bد.إ1.4b10.6x11.1x0.6x
Mon, 23 Jun 2025د.إ14.9bد.إ25.6bد.إ1.3b10.6x11.2x0.6x
Wed, 21 May 2025د.إ14.8bد.إ25.7bد.إ1.3b10.4x11.1x0.6x
Fri, 18 Apr 2025د.إ15.0bد.إ25.0bد.إ1.3b11.8x11.9x0.6x
Sun, 16 Mar 2025د.إ14.5bد.إ25.2bد.إ1.0b10.5x14.1x0.6x
Tue, 11 Feb 2025د.إ14.6bد.إ24.3bد.إ975.7m10x14.9x0.6x
Thu, 09 Jan 2025د.إ14.7bد.إ23.8bد.إ889.3m11x16.6x0.6x
Sat, 07 Dec 2024د.إ14.7bد.إ23.8bد.إ889.3m10.9x16.5x0.6x
Mon, 04 Nov 2024د.إ14.3bد.إ21.3bد.إ1.1b12.5x13.1x0.7x
Wed, 02 Oct 2024د.إ14.4bد.إ21.3bد.إ1.1b13.2x13.5x0.7x
Fri, 30 Aug 2024د.إ14.2bد.إ21.3bد.إ1.1b13.2x13.4x0.7x
Sun, 28 Jul 2024د.إ14.2bد.إ19.1bد.إ1.1b10.1x13.2x0.7x
Tue, 25 Jun 2024د.إ13.2bد.إ18.2bد.إ944.3m8.7x14x0.7x
Thu, 23 May 2024د.إ13.5bد.إ18.3bد.إ944.3m9.3x14.3x0.7x
Sat, 20 Apr 2024د.إ13.9bد.إ17.2bد.إ932.1m10.7x14.9x0.8x
Mon, 18 Mar 2024د.إ13.9bد.إ18.6bد.إ1.0b10.2x13.5x0.7x
Wed, 14 Feb 2024د.إ14.2bد.إ11.5bد.إ954.3m11.3x14.9x1.2x
Fri, 12 Jan 2024د.إ14.6bد.إ12.1bد.إ967.4m9.3x15.1x1.2x
Sun, 10 Dec 2023د.إ14.0bد.إ12.1bد.إ967.4m9.1x14.5x1.2x
Tue, 07 Nov 2023د.إ14.2bد.إ11.8bد.إ799.9m12.3x17.7x1.2x
Thu, 05 Oct 2023د.إ14.7bد.إ11.8bد.إ843.9m10.1x17.4x1.2x
Sat, 02 Sep 2023د.إ14.8bد.إ11.8bد.إ843.9m11x17.6x1.3x
Mon, 31 Jul 2023د.إ14.9bد.إ11.1bد.إ805.1m14.8x18.6x1.3x
Wed, 28 Jun 2023د.إ14.8bد.إ10.9bد.إ800.5m15.7x18.5x1.4x
Fri, 26 May 2023د.إ14.6bد.إ11.0bد.إ926.4m11.8x15.7x1.3x
Sun, 23 Apr 2023د.إ14.4bد.إ10.7bد.إ952.4m15.3x15.2x1.4x
Tue, 21 Mar 2023د.إ14.7bد.إ10.4bد.إ946.3m16.6x15.6x1.4x
Thu, 16 Feb 2023د.إ14.8bد.إ10.4bد.إ974.7m14.5x15.2x1.4x
Sat, 14 Jan 2023د.إ14.6bد.إ10.3bد.إ951.5m13x15.3x1.4x
Mon, 12 Dec 2022د.إ14.9bد.إ10.3bد.إ951.5m13.3x15.7x1.5x
Price to Earnings Ratio

15.7x


Total Market Cap: د.إ14.9bTotal Earnings: د.إ951.5mTotal Revenue: د.إ10.3bTotal Market Cap vs Earnings and Revenue0%0%0%
Emirati Insurance Industry Price to Earnings3Y Average 15x202320242025
Current Industry PE
  • Investors are pessimistic on the Emirian Insurance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 7.9x which is lower than its 3-year average PE of 15.0x.
  • The industry is trading close to its 3-year average PS ratio of 0.92x.
Past Earnings Growth
  • The earnings for companies in the Insurance industry have grown 27% per year over the last three years.
  • Revenues for these companies have grown 34% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Emirati Financials industry?

AE Market2.02%
Financials4.39%
Insurance-0.67%
General Insurance-0.59%
Property and Casualty Insurance-0.94%
Life and Health Insurance-1.77%
Industry PE
  • Investors are most optimistic about the Property and Casualty Insurance industry which is trading above its 3-year average PE ratio.
    • It looks like they are confident that earnings will grow faster in the future than they have historically.
  • Investors are most pessimistic about the General Insurance industry, which is trading below its 3-year average of 11.8x.
Forecasted Growth
  • Analysts are most optimistic on the General Insurance industry, expecting annual earnings growth of 7.5% over the next 5 years.
  • However this is lower than its past earnings growth rate of 28% per year.
  • In contrast, the General Insurance industry is expected to see its earnings grow by 7.5% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
UNION Union Insurance Company P.J.S.Cد.إ1.0512.2%
+د.إ26.2m		12.3%PE4.9x
AWNIC Al Wathba National Insurance Company PJSCد.إ3.602.9%
+د.إ20.7m		-16.9%PE4x
WATANIA Watania International Holding PJSCد.إ0.700.7%
+د.إ1.2m		3.1%PE6.5x

Latest News

TKFL
د.إ4.67
Abu Dhabi National Takaful Company PSC
7D
-9.8%
1Y
-10.4%
AWNIC
د.إ3.60
Al Wathba National Insurance Company PJSC
7D
2.9%
1Y
-16.9%
UNION
د.إ1.05
Union Insurance Company P.J.S.C
7D
12.2%
1Y
12.3%
WATANIA
د.إ0.70
Watania International Holding PJSC
7D
0.7%
1Y
3.1%
TAKAFUL-EM
د.إ1.82
Takaful Emarat - Insurance (PSC)
7D
-1.6%
1Y
-17.6%
SALAMA
د.إ0.40
Islamic Arab Insurance (Salama) PJSC
7D
-3.1%
1Y
-3.8%
HAYAH
د.إ1.50
HAYAH Insurance Company P.J.S.C
7D
-2.0%
1Y
21.0%
ADNIC
د.إ7.01
Abu Dhabi National Insurance Company PJSC
7D
-1.4%
1Y
14.9%
NGI
د.إ5.80
National General Insurance (P.J.S.C.)
7D
-1.7%
1Y
18.4%