Al Fujairah National Insurance Company
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- Volume
- 260.06x 30-day average
- Avg volume (30D)
- 415
About the company
Al Fujairah National Insurance Company PJSC (AFNIC) is a general insurer founded in 1976 and headquartered in Fujairah, listed on the Abu Dhabi Securities Exchange since 2007. It writes motor, medical, property, personal accident and other general insurance and short-term life cover through branches in Abu Dhabi, Dubai, Sharjah, Khorfakkan and Dibba. Its 1.331 million shares have a nominal value of AED 100 each and trade rarely.
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Year-end price history
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Shariah screening
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Dividend calculator
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 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Insurance & Takaful Revenue | 57.7M | 64.7M | 78.9M | 80.9M | 84.8M | 93.8M | 112.4M | 129.6M | 144.5M | 161.7M | 171.9M | 179.7M | 165.8M | 172.8M |
| Insurance Service Expenses | -52.0M | -62.3M | -91.4M | -56.0M | -73.1M | -146.4M | -107.6M | -88.5M | -106.7M | -134.8M | -116.9M | -143.6M | -134.1M | -160.2M |
| Net Reinsurance Result | -7.6M | -12.0M | 13.0M | -21.6M | -8.6M | 63.6M | -12.6M | -42.3M | -18.8M | -20.8M | -35.8M | -31.5M | -7.1M | 1.1M |
| Insurance Service Result | -1.9M | -9.5M | 422,548.00 | 3.2M | 3.1M | 11.1M | -7.8M | -1.2M | 19.0M | 6.1M | 19.2M | 4.7M | 24.6M | 13.7M |
| Net Investment Income | -740,246.00 | 6.5M | 4.0M | 4.4M | 9.1M | 1.5M | 12.1M | 10.2M | 8.4M | 14.1M | 5.0M | 9.7M | 3.3M | 22.7M |
| Net Insurance Finance Result | -549,148.00 | 403,137.00 | -431,929.00 | 171,055.00 | -2.0M | -2.2M | 1.8M | -208,027.00 | -3.0M | 223,771.00 | 4.5M | 181,138.00 | -683,810.00 | -734,918.00 |
| Net Insurance & Investment Result | -3.2M | -2.7M | 4.0M | 7.8M | 10.1M | 10.4M | 6.1M | 8.8M | 24.5M | 20.5M | 28.8M | 14.6M | 27.2M | 35.6M |
| Other Operating Expenses | -3.8M | -3.9M | -3.9M | -2.3M | -3.3M | -2.9M | -3.6M | 1.3M | -2.7M | -2.4M | -2.4M | -3.1M | -2.7M | -2.6M |
| Pre-Tax Income | -7.0M | -6.6M | 100,834.00 | 5.4M | 6.8M | 7.5M | 2.5M | 10.0M | 21.8M | 18.1M | 26.4M | 11.5M | 24.5M | 33.0M |
| Income Tax Expense | 0.00 | 0.00 | 0.00 | 0.00 | -162,596.00 | -587,977.00 | -122,788.00 | -960,198.00 | -1.5M | -1.4M | -1.9M | -1.6M | -1.7M | -2.7M |
| Net Income | -7.0M | -6.6M | 100,834.00 | 5.4M | 6.6M | 7.0M | 2.4M | 9.1M | 20.3M | 16.7M | 24.5M | 9.9M | 22.8M | 30.3M |
| Net Income (Owners of Parent) | -7.0M | -6.6M | 100,834.00 | 5.4M | 6.6M | 7.0M | 2.4M | 9.1M | 20.3M | 16.7M | 24.5M | 9.9M | 22.8M | 30.3M |
| EPS (AED) | -5.23 | -4.92 | 0.08 | 4.09 | 4.98 | 5.22 | 1.78 | 6.81 | 15.29 | 12.55 | 18.41 | 7.45 | 17.17 | 22.78 |
| Shares Outstanding | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M | 1.3M |
Balance Sheet
Values in AED · click any row to chart the metric, click again to collapse
| Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 94.8M | 133.2M | 126.6M | 191.8M | 181.5M | 198.5M | 204.2M | 222.7M | 246.9M | 191.3M | 221.5M |
| Investment Securities | 333.7M | 346.3M | 332.4M | 327.5M | 340.8M | 400.8M | 433.1M | 447.9M | 494.8M | 568.6M | 555.8M |
| Reinsurance Contract Assets | 106.1M | 98.6M | 178.9M | 180.1M | 165.1M | 141.6M | 137.5M | 122.8M | 96.9M | 109.7M | 139.6M |
| Trade & Other Receivables | 18.5M | 12.5M | 11.2M | 16.4M | 17.7M | 14.4M | 17.5M | 17.3M | 18.5M | 20.3M | 16.4M |
| Other Assets & Prepayments | 0.00 | 121,527.00 | 0.00 | 0.00 | 2.0M | 164,274.00 | 0.00 | 0.00 | 88,264.00 | 1.4M | 385,938.00 |
| Other Financial Assets | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M | 10.0M |
| Property, Plant & Equipment | 28.4M | 32.1M | 45.0M | 41.0M | 38.0M | 35.4M | 34.7M | 31.3M | 25.3M | 22.2M | 22.2M |
| Investment Properties | 79.4M | 79.4M | 79.4M | 79.4M | 80.4M | 80.4M | 80.4M | 80.4M | 78.2M | 78.2M | 78.2M |
| Intangible Assets | – | – | – | – | – | – | – | – | 2.1M | 1.9M | 1.7M |
| Total Assets | 670.8M | 712.2M | 783.4M | 846.2M | 835.6M | 881.2M | 917.4M | 932.4M | 973.0M | 1.0B | 1.0B |
| Insurance Contract Liabilities | 327.3M | 347.8M | 402.7M | 461.0M | 469.4M | 492.4M | 515.3M | 500.7M | 503.9M | 516.2M | 539.9M |
| Trade & Other Payables | 15.4M | 12.9M | 12.0M | 15.9M | 21.0M | 15.9M | 16.1M | 18.7M | 25.7M | 27.3M | 23.5M |
| Income Tax Payable | 0.00 | 162,596.00 | 970,658.00 | 828,488.00 | 1.6M | 3.5M | 4.6M | 5.3M | 6.8M | 9.5M | 11.4M |
| Deferred Tax Liabilities | – | – | 503,758.00 | 609,728.00 | – | – | 338,099.00 | 360,431.00 | – | – | – |
| Lease Liabilities | 10.9M | 16.8M | 28.4M | 26.5M | 22.0M | 21.4M | 18.2M | 16.8M | 11.6M | 10.2M | 8.3M |
| End-of-Service Benefits | 15.6M | 15.7M | 16.0M | 17.5M | 17.7M | 17.5M | 17.9M | 18.9M | 19.2M | 19.6M | 20.0M |
| Total Debt | 10.9M | 16.8M | 28.4M | 26.5M | 22.0M | 21.4M | 18.2M | 16.8M | 11.6M | 10.2M | 8.3M |
| Total Liabilities | 369.3M | 393.4M | 460.6M | 522.3M | 531.7M | 550.7M | 572.4M | 560.7M | 567.2M | 582.9M | 603.1M |
| Share Capital | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M | 133.1M |
| Reserves | 182.6M | 196.2M | 190.5M | 189.0M | 165.3M | 172.0M | 165.8M | 166.4M | 204.5M | 209.9M | 201.7M |
| Retained Earnings | -14.2M | -10.6M | -736,640.00 | 1.8M | 5.4M | 25.5M | 46.1M | 72.1M | 68.2M | 77.8M | 107.8M |
| Equity (Owners of Parent) | 301.6M | 318.7M | 322.9M | 323.9M | 303.9M | 330.6M | 345.0M | 371.6M | 405.8M | 420.8M | 442.6M |
| Total Equity | 301.6M | 318.7M | 322.9M | 323.9M | 303.9M | 330.6M | 345.0M | 371.6M | 405.8M | 420.8M | 442.6M |
Cash Flow
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 9.3M | 9.8M | 35.8M | -4.8M | 33.4M | -14.6M | 51.7M | 31.6M | 66.2M | 27.6M | 29.2M | 42.5M | 30.3M | 3.4M |
| Income Tax Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1.6M | 0.00 | 0.00 | 0.00 |
| Investing Cash Flow | -8.5M | -11.0M | 2.7M | -19.2M | -22.9M | 1.8M | -425,419.00 | 17.2M | -69.4M | -63.8M | -64.2M | -3.0M | -61.9M | – |
| Capital Expenditure | -334,053.00 | -377,254.00 | -594,961.00 | -36,556.00 | -219,567.00 | -337,029.00 | -549,981.00 | -338,601.00 | -519,865.00 | -1.3M | -562,586.00 | -145,814.00 | -659,876.00 | -340,139.00 |
| Financing Cash Flow | -245,842.00 | -5.1M | -400,000.00 | -6.8M | -1.5M | -5.1M | -1.6M | -4.9M | -1.6M | -5.4M | -1.6M | -5.4M | -14.8M | -5.5M |
| Lease Payments | -245,842.00 | -5.1M | -400,000.00 | -6.8M | -1.5M | -5.1M | -1.6M | -4.9M | -1.6M | -5.4M | -1.6M | -5.4M | -1.5M | -5.5M |
| Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -13.3M | 0.00 |
| Free Cash Flow | 9.0M | 9.5M | 35.2M | -4.8M | 33.2M | -14.9M | 51.2M | 31.2M | 65.7M | 26.3M | 28.7M | 42.4M | 29.6M | 3.0M |
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
- 2026-08-11 Q2 2026 Financial Results PDF ↓
- 2026-05-13 Q1 2026 Financial Results PDF ↓
- 2026-02-24 FY 2025 Financial Results PDF ↓
- 2025-11-05 Q3 2025 Financial Results PDF ↓
- 2025-08-06 Q2 2025 Financial Results PDF ↓
- 2025-05-12 Q1 2025 Financial Results PDF ↓
- 2025-03-06 FY 2024 Financial Results PDF ↓
- 2024-11-13 Q3 2024 Financial Results PDF ↓
- 2024-08-08 Q2 2024 Financial Results PDF ↓
- 2024-05-14 Q1 2024 Financial Results PDF ↓
- 2024-04-02 FY 2023 Financial Results PDF ↓