Al Buhaira National Insurance Company
ABNIC
ADX
Financials
Shariah compliance: iStatus follows DFM's quarterly Shari'a compliant list (Q1 2026), screened under criteria approved by the DFM Fatwa & Shari'a Supervisory Board. Classification may change each quarter.
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Price (AED)2.40 -2.04%Close · 30 Oct 2026
Market Cap600.00M
P/E105.78
P/B1.24
Dividend Yield–
ROE1.18%
- Volume
- 410.00x 30-day average
- Avg volume (30D)
- 43.0K
About the company
Al Buhaira National Insurance Company P.S.C. is a Sharjah-based general and life insurer listed on the Abu Dhabi Securities Exchange. Besides its insurance business it holds a large portfolio of investment properties in the UAE.
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Year-end price history
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Shariah screening
See DFM's Shari'a status and a screen using S&P's methodology, with the debt, cash and income ratios behind it.
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Dividend calculator
at AED 2.40 per share (latest close)
You would receive–
Before a dividend is announced, choose an estimate. Once DFM publishes it, the announced amount is used automatically. Gross amount before any bank charges. Estimates only, not investment advice.
Dividend history
No DFM dividend records for this company since 2025.
Source: DFM dividend distribution records (2025 onwards). Yield uses the close before the ex-date.
Announcements
No announcements yet.
Source: DFM disclosures. Times are Dubai time.
Income Statement
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Insurance & Takaful Revenue | 335.4M | 348.8M | 381.5M | 382.2M | 407.9M | 414.0M | 416.9M | 407.1M | 431.5M | 441.8M |
| Insurance Service Expenses | -377.1M | -441.5M | -307.2M | -329.3M | -348.1M | -442.1M | -318.1M | -288.4M | -311.2M | -336.1M |
| Net Reinsurance Result | 31.0M | 85.8M | -95.1M | -61.0M | -52.3M | 30.8M | -71.4M | -124.9M | -95.1M | -72.9M |
| Insurance Service Result | -10.7M | -6.9M | -20.8M | -8.1M | 7.4M | 2.8M | 27.4M | -6.2M | 25.2M | 32.8M |
| Net Investment Income | 11.9M | 13.1M | 8.7M | 12.2M | 11.5M | 13.4M | 11.2M | -42.0M | 14.5M | 21.6M |
| Net Insurance Finance Result | -3.6M | -2.8M | -2.4M | 6.3M | -2.3M | -1.2M | -2.4M | 1.7M | -1.9M | -1.3M |
| Net Insurance & Investment Result | -2.4M | 3.4M | -14.5M | 10.5M | 16.7M | 15.0M | 36.3M | -46.5M | 37.7M | 53.2M |
| Other Operating Expenses | -752,505.00 | -1.5M | -1.7M | -2.1M | -2.9M | -1.2M | 15,647.00 | -1.5M | -1.9M | -1.3M |
| Finance Costs | -4.1M | -5.9M | -7.0M | -8.1M | -4.0M | -3.7M | -2.5M | -3.1M | -1.8M | -1.4M |
| Pre-Tax Income | -7.3M | -4.0M | -23.2M | 170,741.00 | 9.8M | 10.1M | 33.8M | -51.1M | 34.0M | 50.5M |
| Income Tax Expense | 0.00 | 0.00 | 0.00 | 0.00 | -439,252.00 | 1.7M | -3.1M | 4.9M | -3.0M | -4.3M |
| Net Income | -7.3M | -4.0M | -23.2M | 170,741.00 | 9.3M | 11.8M | 30.7M | -46.2M | 31.0M | 46.3M |
| Net Income (Owners of Parent) | -7.3M | -4.0M | -23.2M | 170,741.00 | 9.3M | 11.8M | 30.7M | -46.2M | 31.0M | 46.3M |
| EPS (AED) | -0.03 | -0.02 | -0.09 | 0.001 | 0.04 | 0.05 | 0.12 | -0.18 | 0.12 | 0.19 |
| Shares Outstanding | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M |
Balance Sheet
Values in AED · click any row to chart the metric, click again to collapse
| Q4 '23 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 73.0M | 124.3M | 106.8M | 40.3M | 79.7M | 96.6M | 107.6M | 61.8M | 58.0M |
| Investment Securities | 59.6M | 53.7M | 56.4M | 57.0M | 59.4M | 63.2M | 70.1M | 70.1M | 74.8M |
| Insurance Contract Assets | 9.2M | 40.1M | 0.00 | 273.5M | 0.00 | 17.1M | 429,406.00 | 7.0M | 0.00 |
| Reinsurance Contract Assets | 106.0M | 586.8M | 173.0M | 515.7M | 267.6M | 256.7M | 134.7M | 139.4M | 131.7M |
| Trade & Other Receivables | 38.2M | 49.2M | 42.6M | 50.2M | 54.7M | 53.2M | 43.0M | 49.5M | 49.0M |
| Other Assets & Prepayments | 0.00 | 0.00 | 0.00 | 0.00 | 1.8M | 0.00 | 4.9M | 4.9M | 4.9M |
| Other Financial Assets | 252.8M | 314.6M | 327.5M | 329.4M | 332.5M | 360.1M | 401.0M | 402.6M | 425.2M |
| Property, Plant & Equipment | 13.9M | 10.9M | 11.2M | 15.2M | 13.9M | 12.5M | 8.1M | 12.8M | 11.7M |
| Investment Properties | 847.9M | 847.9M | 849.1M | 849.1M | 849.1M | 849.1M | 794.5M | 794.5M | 794.5M |
| Total Assets | 1.4B | 2.0B | 1.6B | 2.1B | 1.7B | 1.7B | 1.6B | 1.5B | 1.5B |
| Insurance Contract Liabilities | 504.9M | 759.4M | 695.2M | 945.8M | 840.1M | 848.8M | 793.9M | 689.1M | 635.1M |
| Reinsurance Contract Liabilities | 15.2M | 337.2M | 0.00 | 331.2M | 23.6M | 51.2M | 63.1M | 101.7M | 128.5M |
| Trade & Other Payables | 49.0M | 62.9M | 56.5M | 61.1M | 68.3M | 87.9M | 58.4M | 68.6M | 60.2M |
| Income Tax Payable | 0.00 | 0.00 | 0.00 | 439,252.00 | 478,704.00 | 1.8M | 1.8M | 3.0M | 7.3M |
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 49,084.00 | 270,991.00 | 583,333.00 | 1.2M | 1.2M | 1.6M |
| Loans & Borrowings | 279.0M | 362.9M | 300.1M | 261.2M | 182.9M | 147.3M | 115.3M | 114.7M | 102.7M |
| Lease Liabilities | 6.9M | 3.6M | 3.2M | 7.4M | 6.4M | 5.5M | 1.2M | 3.9M | 4.1M |
| End-of-Service Benefits | 43.1M | 45.3M | 46.8M | 45.5M | 50.5M | 45.3M | 46.8M | 46.8M | 46.1M |
| Total Debt | 285.9M | 366.5M | 303.3M | 268.6M | 189.4M | 152.8M | 116.5M | 118.7M | 106.8M |
| Total Liabilities | 898.1M | 1.6B | 1.1B | 1.7B | 1.2B | 1.2B | 1.1B | 1.0B | 985.7M |
| Share Capital | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M | 250.0M |
| Reserves | 320.7M | 319.1M | 222.2M | 226.5M | 229.2M | 232.8M | 239.2M | 243.5M | 248.3M |
| Retained Earnings | -68.4M | -113.0M | -7.4M | 1.1M | 6.9M | 37.1M | -6.5M | 20.1M | 65.9M |
| Equity (Owners of Parent) | 502.3M | 456.2M | 464.8M | 477.6M | 486.1M | 520.0M | 482.7M | 513.6M | 564.2M |
| Total Equity | 502.3M | 456.2M | 464.8M | 477.6M | 486.1M | 520.0M | 482.7M | 513.6M | 564.2M |
Cash Flow
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -40.2M | -46.6M | 109.6M | – | -24.9M | 118.8M | 72.0M | – | -45.3M | 23.6M |
| Investing Cash Flow | 4.0M | -5.0M | -34.0M | – | 2.3M | 3.5M | -16.1M | – | 3.2M | -13.6M |
| Capital Expenditure | -120,068.00 | -372,058.00 | -125,126.00 | -5.0M | -44,251.00 | -48,453.00 | -23,857.00 | -1.7M | -318,857.00 | -1.3M |
| Financing Cash Flow | 7.3M | 90.8M | -34.5M | -71.9M | -43.8M | -82.9M | -39.0M | -36.0M | -3.7M | -13.9M |
| Lease Payments | -1.2M | -1.2M | -1.2M | -949,141.00 | -1.0M | -1.0M | -969,160.00 | -969,162.00 | -1.4M | -576,354.00 |
| Finance Costs Paid | -4.0M | -5.8M | -7.0M | -8.1M | -4.0M | -3.6M | -2.4M | -3.0M | -1.8M | -1.3M |
| Free Cash Flow | -40.3M | -47.0M | 109.5M | – | -25.0M | 118.8M | 72.0M | – | -45.6M | 22.3M |
| Cfx Bank Borrowings | 12.5M | 97.7M | -26.3M | -62.8M | -38.9M | -78.3M | -35.6M | -32.0M | -544,640.00 | -12.0M |
| Cfx Capex Ppe | -120,068.00 | -372,058.00 | -125,126.00 | – | -44,251.00 | -48,453.00 | -23,857.00 | – | -318,857.00 | -1.3M |
| Cfx Cash Before Wc | -12.8M | -9.4M | -22.3M | – | 11.0M | 14.2M | 24.0M | – | 33.2M | 41.6M |
| Cfx Cash Begin | 73.0M | 44.0M | 83.2M | 124.3M | 106.8M | 40.3M | 79.7M | 96.6M | 107.6M | 61.8M |
| Cfx Cash End | 44.0M | 83.2M | 124.3M | 106.8M | 40.3M | 79.7M | 96.6M | 107.6M | 61.8M | 58.0M |
| Cfx Cash Generated | -39.8M | -46.6M | 110.1M | – | -23.3M | 119.5M | 75.3M | – | -44.6M | 25.2M |
| Cfx Dep Ppe | 1.2M | 1.2M | 1.2M | – | 1.1M | 1.3M | 899,362.00 | – | 1.2M | 804,539.00 |
| Cfx Dividend Income | -257,680.00 | -2.2M | -186,590.00 | – | -108,984.00 | -2.8M | -259,371.00 | – | -14,615.00 | -3.6M |
| Cfx Dividends Received | 257,680.00 | 2.2M | 186,590.00 | – | 108,984.00 | 2.8M | 259,371.00 | – | 14,615.00 | 3.6M |
| Cfx Eosb | 1.1M | 629,681.00 | 1.4M | – | 301,370.00 | 5.7M | -2.0M | – | 679,648.00 | 893,188.00 |
| Cfx Eosb Paid | -401,345.00 | -6,288.00 | -488,609.00 | – | -1.6M | -668,891.00 | -3.3M | – | -682,314.00 | -1.5M |
| Cfx Fd Net | -7.8M | 7.8M | – | – | – | – | – | – | – | – |
| Cfx Finance Costs | 4.1M | 5.9M | 7.0M | – | 4.0M | 3.7M | 2.5M | – | 1.8M | 1.4M |
| Cfx Interest Income | -3.5M | -3.7M | -4.4M | – | -4.1M | -3.9M | -3.9M | – | -4.1M | -4.2M |
| Cfx Interest Received | 3.5M | 3.7M | -150,992.00 | – | 4.1M | 3.9M | 3.9M | – | 4.1M | 2.1M |
| Cfx Net Change | -28.9M | 39.2M | 41.1M | -17.6M | -66.5M | 39.4M | 16.9M | 11.0M | -45.7M | -3.9M |
| Cfx Pbt | -7.3M | -4.0M | -23.2M | – | 9.8M | 10.1M | 33.8M | – | 34.0M | 50.5M |
| Cfx Rental Income | -8.2M | -7.1M | -4.1M | – | – | – | -7.0M | – | – | – |
| Cfx Rental Received | 8.2M | 7.1M | 2.4M | – | – | – | 7.0M | – | – | – |
| Cfx Wc Ins Net | 20.2M | -20.2M | – | – | – | – | – | – | – | – |
| Cfx Wc Other Payables | 1.1M | -123,152.00 | 14.1M | – | 555,721.00 | 793,029.00 | 19.6M | – | 6.3M | -4.5M |
| Cfx Wc Other Receivables | -7.8M | -2.2M | 5.3M | – | -7.5M | -4.5M | 1.5M | – | -6.6M | 495,639.00 |
| Cfx Wc Reins Net | -40.4M | 40.4M | – | – | – | – | – | – | – | – |
| Cfx Fd Maturity | – | 27.8M | -27.8M | – | – | 2.9M | -2.9M | – | – | – |
| Cfx Fd Placement | – | -53.3M | -8.5M | – | -1.8M | -6.1M | -24.6M | – | -1.6M | -22.6M |
| Cfx Margin Deposits | – | 2,000.00 | – | – | – | – | – | – | – | – |
| Cfx Other Income | – | -32,701.00 | 14,300.00 | – | -11,892.00 | -8,237.00 | -57,409.00 | – | -390,904.00 | -4.2M |
| Cfx Other Income Inv | – | 32,701.00 | -14,300.00 | – | 11,892.00 | 8,237.00 | 57,409.00 | – | 390,904.00 | – |
| Cfx Wc Ins Assets | – | 12.5M | -40.1M | – | -148.4M | 148.4M | -17.1M | – | -6.6M | 7.0M |
| Cfx Wc Ins Liab | – | 150.3M | 71.4M | – | 88.0M | 21.0M | 8.7M | – | -104.9M | -53.9M |
| Cfx Wc Reins Assets | – | -191.6M | 81.7M | – | 28.8M | -110.7M | 11.0M | – | -4.7M | 7.7M |
| Cfx Wc Reins Liab | – | -26.3M | – | – | 4.2M | 50.3M | 27.6M | – | 38.7M | 26.8M |
| Cfx Purchase Fvoci | – | – | – | – | -14,005.00 | – | -262,500.00 | – | – | – |
| Cfx Ppe Proceeds | – | – | – | – | – | – | 588,673.00 | – | 586,092.00 | 4.7M |
Insurance & Takaful Revenue
Insurance Service Result
Net Investment Income
Net Insurance & Investment Result
Net Income
EPS (AED)
Shares Outstanding
Total Assets
Investment Securities
Cash & Equivalents
Insurance Contract Liabilities
Reinsurance Contract Assets
Total Liabilities
Total Equity
Combined Ratio
Insurance Service Margin
Reinsurance Cost / Revenue
Investment Yield
Net Margin
P/E
P/B
P/S Ratio
Price / FCF
Net Worth (Market Cap)
ROE
ROA
Return on Tangible Equity
Equity / Assets
Dividend Yield
Employee Count
Market Information
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- 2025-11-13 Q3 2025 Financial Results PDF ↓
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- 2025-05-15 Q1 2025 Financial Results PDF ↓
- 2025-03-26 FY 2024 Financial Results PDF ↓
- 2024-11-14 Q3 2024 Financial Results PDF ↓
- 2024-03-30 FY 2023 Financial Results PDF ↓