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Emirati (ADX) Insurance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies22
  • 7D-0.5%
  • 3M-2.6%
  • 1Y0.9%
  • YTD1.4%

Over the last 7 days, the Insurance industry has remained flat, although notably Takaful Emarat - Insurance (PSC) gained 13%. Furthermore, the industry has been flat for the past year as well. As for the next few years, earnings are expected to grow by 7.5% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025د.إ15.2bد.إ24.5bد.إ2.0b7.8x7.8x0.6x
Fri, 21 Nov 2025د.إ15.6bد.إ24.5bد.إ2.0b8x8x0.6x
Sun, 19 Oct 2025د.إ15.8bد.إ25.4bد.إ1.7b9x9.2x0.6x
Tue, 16 Sep 2025د.إ15.9bد.إ25.4bد.إ1.7b8.8x9.3x0.6x
Thu, 14 Aug 2025د.إ15.6bد.إ25.2bد.إ1.5b10x10.6x0.6x
Sat, 12 Jul 2025د.إ15.5bد.إ25.6bد.إ1.3b10.8x11.6x0.6x
Mon, 09 Jun 2025د.إ14.8bد.إ25.6bد.إ1.3b11.5x11.1x0.6x
Wed, 07 May 2025د.إ15.0bد.إ25.4bد.إ1.3b11.2x11.9x0.6x
Fri, 04 Apr 2025د.إ14.8bد.إ24.4bد.إ1.2b11.2x12.3x0.6x
Sun, 02 Mar 2025د.إ14.6bد.إ24.7bد.إ982.1m10x14.9x0.6x
Tue, 28 Jan 2025د.إ14.5bد.إ23.8bد.إ889.3m10.3x16.3x0.6x
Thu, 26 Dec 2024د.إ14.9bد.إ23.8bد.إ889.3m10.7x16.8x0.6x
Sat, 23 Nov 2024د.إ14.2bد.إ23.6bد.إ922.4m10.9x15.4x0.6x
Mon, 21 Oct 2024د.إ14.4bد.إ21.1bد.إ1.1b11.8x12.9x0.7x
Wed, 18 Sep 2024د.إ14.2bد.إ21.3bد.إ1.1b13.2x13.3x0.7x
Fri, 16 Aug 2024د.إ14.1bد.إ21.8bد.إ1.1b13.3x13.3x0.6x
Sun, 14 Jul 2024د.إ14.3bد.إ19.2bد.إ1.1b8.9x13x0.7x
Tue, 11 Jun 2024د.إ13.4bد.إ18.2bد.إ944.3m8.7x14.2x0.7x
Thu, 09 May 2024د.إ13.7bد.إ17.2bد.إ900.9m10.8x15.2x0.8x
Sat, 06 Apr 2024د.إ14.2bد.إ18.4bد.إ896.1m11.1x15.9x0.8x
Mon, 04 Mar 2024د.إ13.9bد.إ17.8bد.إ894.1m12.4x15.5x0.8x
Wed, 31 Jan 2024د.إ15.4bد.إ12.5bد.إ1.0b9.7x15x1.2x
Fri, 29 Dec 2023د.إ14.5bد.إ12.1bد.إ967.4m9.3x15x1.2x
Sun, 26 Nov 2023د.إ14.3bد.إ12.2bد.إ943.4m10.2x15.1x1.2x
Tue, 24 Oct 2023د.إ14.0bد.إ11.8bد.إ843.9m9.7x16.6x1.2x
Thu, 21 Sep 2023د.إ14.5bد.إ11.8bد.إ843.9m10.5x17.2x1.2x
Sat, 19 Aug 2023د.إ14.9bد.إ12.0bد.إ791.3m12.6x18.9x1.2x
Mon, 17 Jul 2023د.إ15.0bد.إ10.9bد.إ800.5m15.7x18.8x1.4x
Wed, 14 Jun 2023د.إ14.7bد.إ11.0bد.إ859.1m14.7x17.1x1.3x
Fri, 12 May 2023د.إ14.5bد.إ10.7bد.إ967.0m15.6x15x1.4x
Sun, 09 Apr 2023د.إ14.5bد.إ10.7bد.إ900.3m15.4x16.1x1.4x
Tue, 07 Mar 2023د.إ14.9bد.إ10.6bد.إ980.5m16.7x15.2x1.4x
Thu, 02 Feb 2023د.إ14.6bد.إ10.3bد.إ951.5m13x15.3x1.4x
Sat, 31 Dec 2022د.إ14.9bد.إ10.3bد.إ951.5m13.1x15.6x1.4x
Price to Earnings Ratio

15.6x


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 14.9x202320242025
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 7.8x which is lower than its 3-year average PE of 14.9x.
  • The industry is trading close to its 3-year average PS ratio of 0.90x.
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 Market0.70%
Financials2.26%
Insurance-0.48%
Life and Health Insurance4.94%
Property and Casualty Insurance0.12%
General Insurance-0.79%
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 11.7x.
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
TAKAFUL-EM Takaful Emarat - Insurance (PSC)د.إ1.889.3%
+د.إ33.6m		36.2%PE10.3x
HAYAH HAYAH Insurance Company P.J.S.Cد.إ1.507.1%
+د.إ20.0m		36.4%PS2.5x
DNIR Dubai National Insurance & Reinsurance (P.S.C.)د.إ3.251.6%
+د.إ5.8m		-24.8%PE6x
SALAMA Islamic Arab Insurance (Salama) PJSCد.إ0.390.8%
+د.إ2.8m		-8.9%PE506.9x
IH Insurance House P.S.Cد.إ0.564.2%
+د.إ2.6m		-40.5%PS0.5x

Latest News

TAKAFUL-EM
د.إ1.88
Takaful Emarat - Insurance (PSC)
7D
9.3%
1Y
36.2%
TKFL
د.إ4.36
Abu Dhabi National Takaful Company PSC
7D
-18.8%
1Y
-19.3%
DNIR
د.إ3.25
Dubai National Insurance & Reinsurance (P.S.C.)
7D
1.6%
1Y
-24.8%
IH
د.إ0.56
Insurance House P.S.C
7D
4.2%
1Y
-40.5%

What Insurance House P.S.C.'s (ADX:IH) 31% Share Price Gain Is Not Telling You

Dec 13
What Insurance House P.S.C.'s (ADX:IH) 31% Share Price Gain Is Not Telling You
SALAMA
د.إ0.39
Islamic Arab Insurance (Salama) PJSC
7D
0.8%
1Y
-8.9%

Islamic Arab Insurance Co. (Salama) PJSC (DFM:SALAMA) Looks Inexpensive After Falling 47% But Perhaps Not Attractive Enough

Dec 09
Islamic Arab Insurance Co. (Salama) PJSC (DFM:SALAMA) Looks Inexpensive After Falling 47% But Perhaps Not Attractive Enough
WATANIA
د.إ0.69
Watania International Holding PJSC
7D
-1.4%
1Y
-3.0%
HAYAH
د.إ1.50
HAYAH Insurance Company P.J.S.C
7D
7.1%
1Y
36.4%
SUKOONTAKAFL
د.إ1.30
Sukoon Takaful PJSC
7D
-8.5%
1Y
n/a