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What is Al Wathba National Insurance Co PJSC EV-to-FCF?
Al Wathba National Insurance Co PJSCADX:AWNIC 68 EV-to-FCF is 10.43 as of Jul. 15, 2026, which is 55% below its 10-year median of 23.27. GuruFocus rates ADX:AWNIC with a GF Score™ of 68/100 and a GF Value™ of د.إ7.35 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, Al Wathba National Insurance Co PJSC ranks worse than 54.45% on this metric.
ADX:AWNIC'
s EV-to-FCF Range Over the Past 10 Years
Min: -1289.36 Med: 23.27 Max: 131.83
Current: 10.91
During the past 13 years, the highest EV-to-FCF of Al Wathba National Insurance Co PJSC was 131.83. The lowest was -1289.36. And the median was 23.27.
ADX:AWNIC's EV-to-FCF is ranked worse than 54.45% of 393
companies
in the Insurance industry
Industry Median: 9.84
vs ADX:AWNIC: 10.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Al Wathba National Insurance Co PJSC's PE Ratio (TTM) for today is calculated as:
Al Wathba National Insurance Co PJSC's share price for today is د.إ2.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Al Wathba National Insurance Co PJSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was د.إ0.460.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Al Wathba National Insurance Co PJSC EV-to-FCF Related Terms
Al Wathba National Insurance Co PJSC EV-to-FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Al Wathba National Insurance Co PJSC EV-to-FCF Chart
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Al Wathba National Insurance Co PJSC EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's EV-to-FCF falls into.
Al Wathba National Insurance Co PJSC's current Enterprise Value is د.إ672.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Al Wathba National Insurance Co PJSC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was د.إ64.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a EV-to-FCF of 10.43 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Al Wathba National Insurance Co PJSC and its competitors. This is 55% below median its historical median of 23.27. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #214 out of 393 companies in the Insurance industry, placing it in the top 54.5%.
Is Al Wathba National Insurance Co PJSC's EV-to-FCF too high?
Al Wathba National Insurance Co PJSC's current EV-to-FCF of 10.43 is 55% below median its 10-year median of 23.27. The Insurance industry median EV-to-FCF is 9.84. Al Wathba National Insurance Co PJSC's value of 10.43 is 6% above this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #214 out of 393 companies in the Insurance industry, which is below the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #214 out of 393 companies for EV-to-FCF. This places Al Wathba National Insurance Co PJSC in the lower half of its industry. The industry median EV-to-FCF is 9.84. Al Wathba National Insurance Co PJSC's value of 10.43 is 6% above this benchmark. While the company's 10-year median is 23.27 vs. the industry median of 9.84, Al Wathba National Insurance Co PJSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.84, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Wathba National Insurance Co PJSC's current EV-to-FCF of 10.43 is 6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Al Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median EV-to-FCF is 9.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current EV-to-FCF is 10.43, which is 55% below median its own 10-year median of 23.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.35, compared to a current price of د.إ2.99 — trading 59.3% below its estimated fair value. The current EV-to-FCF is 10.43, which is 55% below median its 10-year median of 23.27 and 6% above the Insurance industry median of 9.84. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current EV-to-FCF is 10.43 as of Jul. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ2.99 is trading 59.3% below its estimated GF Value™ of د.إ7.35.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
EV-to-FCF: 10.43 (55% below median its 10-year median of 23.27)
GF Value™: د.إ7.35 vs. price of د.إ2.99 (59.3% below fair value)
Industry Position: 6% above the Insurance median (#214 of 393)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Wathba National Insurance Co PJSC Business Description
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
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