Union Insurance Co. (UNION) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Oman Insurance Co.

Abu Dhabi National Takaful Co. PJSC

Abu Dhabi National Insurance Co. PSC

National General Insurance Co.

Al Ain Ahlia Insurance Co.

Watania International Holding Pjsc

Al-Buhaira National Insurance Co.

Union Insurance Co.

Al Dhafra Insurance Co. PSC

Islamic Arab Insurance Co.

Hayah Insurance Co. PJSC

Why is Union Insurance Co. ?

The company has declared Positive results for the last 4 consecutive quarters

OPERATING CASH FLOW(Y) Highest at AED 48.2 MM
NET PROFIT(HY) At AED 22.75 MM has Grown at 76.04%
ROCE(HY) Highest at 19.89%

With ROE of 15.74%, it has a attractive valuation with a 0.82 Price to Book Value

Over the past year, while the stock has generated a return of 22.96%, its profits have risen by 1644.8%

Consistent Returns over the last 3 years

Along with generating 22.96% returns in the last 1 year, the stock has outperformed Abu Dhabi Securities Exchange in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Union Insurance Co. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Union Insurance Co.

-100.0%

0.91

87.39%

Abu Dhabi Securities Exchange

2.2%

1.13

8.08%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.25%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

8.70%

Dividend Payout Ratio

18.41%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

7.38%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.10

EV to EBIT

EV to EBITDA

-54.53

EV to Capital Employed

0.85

EV to Sales

-0.25

PEG Ratio

0.10

Dividend Yield

ROCE (Latest)

ROE (Latest)

15.57%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bullish

Bearish

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 76.92%

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

DIVIDEND PER SHARE(HY)

Highest at AED 0

NET SALES(Q)

Highest at AED 170.94 MM

OPERATING PROFIT(Q)

Highest at AED 84.27 MM

OPERATING PROFIT MARGIN(Q)

Highest at 49.3 %

-5What is not working for the Company

DEBT-EQUITY RATIO (HY)

Highest at 0 %

PRE-TAX PROFIT(Q)

Lowest at AED 0 MM

Here's what is working for Union Insurance Co.

Net Sales

Highest at AED 170.94 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (AED MM)

Operating Profit

Highest at AED 84.27 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (AED MM)

Operating Profit Margin

Highest at 49.3 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend per share

Highest at AED 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (AED)

Dividend Payout Ratio

Highest at 76.92%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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 Union Insurance Co.

Pre-Tax Profit

At AED 0 MM has Fallen at -100%

over average net sales of the previous four periods of AED 13.17 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (AED MM)

Pre-Tax Profit

Lowest at AED 0 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (AED MM)

Debt-Equity Ratio

Highest at 0 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio