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What is Al Wathba National Insurance Co PJSC Net Margin %?
Al Wathba National Insurance Co PJSCADX:AWNIC 68 Net Margin % is 16.49% as of Dec. 2025, which is 12% below its 10-year median of 18.72. 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 501 Insurance companies, Al Wathba National Insurance Co PJSC ranks better than 76.85% on this metric.
ADX:AWNIC'
s Net Margin % Range Over the Past 10 Years
Min: 2.56 Med: 18.72 Max: 43.96
Current: 16.49
ADX:AWNIC's Net Margin % is ranked better than 76.85% of 501
companies
in the Insurance industry
Industry Median: 9.15
vs ADX:AWNIC: 16.49
Al Wathba National Insurance Co PJSC (ADX:AWNIC) 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.
Al Wathba National Insurance Co PJSC Net Margin % Related Terms
Al Wathba National Insurance Co PJSC Net Margin % 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 Net Margin % Chart
ADX:AWNIC vs CB, PGR, TRV: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba 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.
Al Wathba National Insurance Co PJSC Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's Net Margin % falls into.
* 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 Net Margin % of 16.49% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Al Wathba National Insurance Co PJSC and its competitors. This is 12% below median its historical median of 18.72. Over the past decade, Al Wathba National Insurance Co PJSC's Net Margin % has ranged from 2.56 to 43.96. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #116 out of 501 companies in the Insurance industry, placing it in the top 23.2%.
Is Al Wathba National Insurance Co PJSC's Net Margin % too high?
Al Wathba National Insurance Co PJSC's current Net Margin % of 16.49% is 12% below median its 10-year median of 18.72. Over the past 10 years, this metric has ranged from a low of 2.56 to a high of 43.96. The Insurance industry median Net Margin % is 9.15. Al Wathba National Insurance Co PJSC's value of 16.49% is 80.2% above this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #116 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #116 out of 501 companies for Net Margin %. This places Al Wathba National Insurance Co PJSC in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.15. Al Wathba National Insurance Co PJSC's value of 16.49% is 80.2% above this benchmark. Historically, Al Wathba National Insurance Co PJSC's own Net Margin % has ranged from 2.56 to 43.96 over the past decade. While the company's 10-year median is 18.72 vs. the industry median of 9.15, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.15, 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. Al Wathba National Insurance Co PJSC's current Net Margin % of 16.49% is 80.2% 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 Al Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median Net Margin % is 9.15 — 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 Net Margin % is 16.49%, which is 12% below median its own 10-year median of 18.72. 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 Net Margin % is 16.49%, which is 12% below median its 10-year median of 18.72 and 80.2% above the Insurance industry median of 9.15. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current Net Margin % is 16.49% as of Dec. 2025. 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:
Net Margin %: 16.49% (12% below median its 10-year median of 18.72)
GF Value™: د.إ7.35 vs. price of د.إ2.99 (59.3% below fair value)
Industry Position: 80.2% above the Insurance median (#116 of 501)
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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