Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) Net Margin %: 9.99% (As of Mar. 2026) — 41% Below Median


ADX:ADNIC Abu Dhabi National Insurance Co PJSC ADX:ADNIC
63 GF Score
Price د.إ7.20
GF Value د.إ8.76
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Abu Dhabi National Insurance Co PJSC Net Margin %?

Abu Dhabi National Insurance Co PJSC ADX:ADNIC 63 Net Margin % is 9.99% as of Mar. 2026, which is 41% below its 10-year median of 17.07. GuruFocus rates ADX:ADNIC with a GF Score™ of 63/100 and a GF Value™ of د.إ8.76 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Abu Dhabi National Insurance Co PJSC ranks better than 59.48% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Abu Dhabi National Insurance Co PJSC's Net Income for the three months ended in Mar. 2026 was د.إ94 Mil. Abu Dhabi National Insurance Co PJSC's Revenue for the three months ended in Mar. 2026 was د.إ943 Mil. Therefore, Abu Dhabi National Insurance Co PJSC's net margin for the quarter that ended in Mar. 2026 was 9.99%.

The historical rank and industry rank for Abu Dhabi National Insurance Co PJSC's Net Margin % or its related term are showing as below:

ADX:ADNIC' s Net Margin % Range Over the Past 10 Years
Min: 11.26   Med: 17.07   Max: 22.55
Current: 11.26


ADX:ADNIC's Net Margin % is ranked better than
59.48% of 501 companies
in the Insurance industry
Industry Median: 9.29 vs ADX:ADNIC: 11.26

Abu Dhabi National Insurance Co PJSC  (ADX:ADNIC) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Abu Dhabi National Insurance Co PJSC Net Margin % Related Terms


Abu Dhabi National Insurance Co PJSC Net Margin % Historical Data

* Premium members only.

The historical data trend for Abu Dhabi National Insurance Co PJSC's Net Margin % can be seen below:

* 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.

Abu Dhabi National Insurance Co PJSC Net Margin % Chart

Abu Dhabi National Insurance Co PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.55 18.47 18.90 11.88 11.62

Abu Dhabi National Insurance Co PJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.54 11.44 10.85 12.71 9.99

ADX:ADNIC vs BRK.A, AIG, HIG: Net Margin % Comparison

For the Insurance - Diversified subindustry, Abu Dhabi National Insurance Co PJSC's Net Margin %, along with its competitors' market caps and Net Margin % 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.


Abu Dhabi National Insurance Co PJSC Net Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Abu Dhabi National Insurance Co PJSC's Net Margin % distribution charts can be found below:

* The bar in red indicates where Abu Dhabi National Insurance Co PJSC's Net Margin % falls into.


ADX:ADNIC
63GF Score
Abu Dhabi National Insurance Co PJSC ADX:ADNIC
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi National Insurance Co PJSC Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Abu Dhabi National Insurance Co PJSC's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=475.046/4089.19
=11.62 %

Abu Dhabi National Insurance Co PJSC's Net Margin for the quarter that ended in Mar. 2026 is calculated as

Net Margin=Net Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=94.26/943.18
=9.99 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 9.99% mean?
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) has a Net Margin % of 9.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. This is 41% below median its historical median of 17.07. Over the past decade, Abu Dhabi National Insurance Co PJSC's Net Margin % has ranged from 11.26 to 22.55. According to the industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #203 out of 501 companies in the Insurance industry, placing it in the top 40.5%.
Is Abu Dhabi National Insurance Co PJSC's Net Margin % too high?
Abu Dhabi National Insurance Co PJSC's current Net Margin % of 9.99% is 41% below median its 10-year median of 17.07. Over the past 10 years, this metric has ranged from a low of 11.26 to a high of 22.55. The Insurance industry median Net Margin % is 9.29. Abu Dhabi National Insurance Co PJSC's value of 9.99% is 7.5% above this industry median. Based on the distribution chart, Abu Dhabi National Insurance Co PJSC ranks #203 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Abu Dhabi National Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Insurance Co PJSC's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #203 out of 501 companies for Net Margin %. This puts Abu Dhabi National Insurance Co PJSC in the upper half of its industry. The industry median Net Margin % is 9.29. Abu Dhabi National Insurance Co PJSC's value of 9.99% is 7.5% above this benchmark. Historically, Abu Dhabi National Insurance Co PJSC's own Net Margin % has ranged from 11.26 to 22.55 over the past decade. While the company's 10-year median is 17.07 vs. the industry median of 9.29, Abu Dhabi 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi National Insurance Co PJSC's current Net Margin % of 9.99% is 7.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Insurance Co PJSC's current Net Margin % is 9.99%, which is 41% below median its own 10-year median of 17.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ8.76, compared to a current price of د.إ7.20 — trading 17.8% below its estimated fair value. The current Net Margin % is 9.99%, which is 41% below median its 10-year median of 17.07 and 7.5% above the Insurance industry median of 9.29. Abu Dhabi National Insurance Co PJSC's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Abu Dhabi National Insurance Co PJSC (ADX:ADNIC), the current Net Margin % is 9.99% as of Mar. 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 Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC stock appears to be undervalued. The current stock price of د.إ7.20 is trading 17.8% below its estimated GF Value™ of د.إ8.76. GuruFocus considers Abu Dhabi National Insurance Co PJSC to be Modestly Undervalued.

Key valuation signals for ADX:ADNIC:

  • Net Margin %: 9.99% (41% below median its 10-year median of 17.07)
  • GF Value™: د.إ8.76 vs. price of د.إ7.20 (17.8% below fair value)
  • GF Score™: 63/100 with 2 warning signs
  • Industry Position: 7.5% above the Insurance median (#203 of 501)

No single metric tells the full story. See the ADX:ADNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi National Insurance Co PJSC Business Description

Address Mohamed Bin Khalifa Street, P.O. Box: 839, ADNIC Building No. 403, Al Danah, Zone 1, Abu Dhabi, ARE
Abu Dhabi National Insurance Co PJSC is engaged in the transaction of insurance and reinsurance business of all classes. The company is organized into two main business segments: Underwriting of commercial lines of business - incorporating all classes of general insurance including marine cargo, marine hull, aviation, energy, property and engineering; and Underwriting of consumer line of business - incorporating all classes of insurance including accident, life, motor and medical. The majority of revenue is derived from Underwriting of commercial lines of business segment.
63GF Score

Get the complete analysis for ADX:ADNIC

Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.20
Price
د.إ8.76
GF Value