ScoreWhy is Al Wathba National Insurance Co. PJSC ?
1
With a growth in Net Sales of 2.14%, the company declared Very Positive results in Jun 25
- NET SALES(HY) At AED 386.02 MM has Grown at 230.07%
- OPERATING CASH FLOW(Y) Highest at AED 123.44 MM
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
2
With ROE of 3.07%, it has a Very Attractive valuation with a 0.65 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -21.48%, its profits have fallen by -79%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Al Wathba National Insurance Co. PJSC should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Al Wathba National Insurance Co. PJSC for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Al Wathba National Insurance Co. PJSC
-100.0%
-0.90
45.33%
Abu Dhabi Securities Exchange
2.2%
1.13
8.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
31.50%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0.04
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
7.21%
Dividend Payout Ratio
54.90%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0.07%
ROE (avg)
7.78%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.51
EV to EBIT
NA
EV to EBITDA
EV to Capital Employed
0.51
EV to Sales
0.81
PEG Ratio
0.04
Dividend Yield
6.58%
ROCE (Latest)
ROE (Latest)
8.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 93.13 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(9M)
Higher at AED 637.02 MM
DEBT-EQUITY RATIO
(HY)
Lowest at 0 %
OPERATING PROFIT(Q)
Highest at AED 226.09 MM
OPERATING PROFIT MARGIN(Q)
Highest at 100 %
-4What is not working for the Company
PRE-TAX PROFIT(Q)
At AED 0 MM has Fallen at -100%
DIVIDEND PER SHARE(HY)
Lowest at AED 0
Here's what is working for Al Wathba National Insurance Co. PJSC
Operating Cash Flow
Highest at AED 93.13 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
Net Sales
At AED 637.02 MM has Grown at 56.82%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (AED MM)
Operating Profit
Highest at AED 226.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 100 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Debt-Equity Ratio
Lowest at 0 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Net Sales
Higher at AED 637.02 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Sales (AED MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Al Wathba National Insurance Co. PJSC
Pre-Tax Profit
At AED 0 MM has Fallen at -100%
over average net sales of the previous four periods of AED 36.41 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (AED MM)
Dividend per share
Lowest at AED 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (AED)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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