Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Islamic Arab Insurance CoDFM:SALAMA +0.74%41 Cash-to-Debt is 58.80 as of Jun. 2026, which is 91% above its 10-year median of 30.72. GuruFocus rates DFM:SALAMA with a GF Score™ of 41/100 and a GF Value™ of د.إ0.65 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 486 Insurance companies, Islamic Arab Insurance Co ranks better than 78.81% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Islamic Arab Insurance Co's cash to debt ratio for the quarter that ended in Jun. 2026 was 58.80.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Islamic Arab Insurance Cocould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Islamic Arab Insurance Co's Cash-to-Debt or its related term are showing as below:
DFM:SALAMA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.57 Med: 30.72 Max: No Debt
Current: 58.8
During the past 13 years, Islamic Arab Insurance Co's highest Cash to Debt Ratio was No Debt. The lowest was 0.57. And the median was 30.72.
DFM:SALAMA's Cash-to-Debt is ranked better than 78.81% of 486
companies
in the Insurance industry
Industry Median: 2.17
vs DFM:SALAMA: 58.80
Islamic Arab Insurance Co (DFM:SALAMA) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Islamic Arab Insurance Co Cash-to-Debt Related Terms
Islamic Arab Insurance Co Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
DFM:SALAMA vs BRK.A, AIG, HIG: Cash-to-Debt Comparison
For the Insurance - Diversified subindustry, Islamic Arab Insurance Co's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Islamic Arab Insurance Co Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Islamic Arab Insurance Co's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Islamic Arab Insurance Co's Cash-to-Debt 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.
Islamic Arab Insurance Co (DFM:SALAMA) has a Cash-to-Debt of 58.80 as of Jun. 2026. This is 91% above median its historical median of 30.72. Over the past decade, Islamic Arab Insurance Co's Cash-to-Debt has ranged from 0.57 to 10,000.00. According to the industry distribution chart, Islamic Arab Insurance Co ranks #103 out of 486 companies in the Insurance industry, placing it in the top 21.2%.
Is Islamic Arab Insurance Co's Cash-to-Debt too high?
Islamic Arab Insurance Co's current Cash-to-Debt of 58.80 is 91% above median its 10-year median of 30.72. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.17. Islamic Arab Insurance Co's value of 58.80 is 2609.7% above this industry median. Based on the distribution chart, Islamic Arab Insurance Co ranks #103 out of 486 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Islamic Arab Insurance Co has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islamic Arab Insurance Co's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Islamic Arab Insurance Co ranks #103 out of 486 companies for Cash-to-Debt. This places Islamic Arab Insurance Co in the top 21% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.17. Islamic Arab Insurance Co's value of 58.80 is 2609.7% above this benchmark. Historically, Islamic Arab Insurance Co's own Cash-to-Debt has ranged from 0.57 to 10,000.00 over the past decade. While the company's 10-year median is 30.72 vs. the industry median of 2.17, Islamic Arab Insurance Co 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 Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Islamic Arab Insurance Co's current Cash-to-Debt of 58.80 is 2609.7% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islamic Arab Insurance Co's current Cash-to-Debt is 58.80, which is 91% above median its own 10-year median of 30.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islamic Arab Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Islamic Arab Insurance Co (DFM:SALAMA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ0.65, compared to a current price of د.إ1.37 — trading 110.8% above its estimated fair value. The current Cash-to-Debt is 58.80, which is 91% above median its 10-year median of 30.72 and 2609.7% above the Insurance industry median of 2.17. Islamic Arab Insurance Co's overall GF Score™ is 41/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Islamic Arab Insurance Co (DFM:SALAMA), the current Cash-to-Debt is 58.80 as of Jun. 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 Islamic Arab Insurance Co (DFM:SALAMA) Overvalued in 2026?
Based on GuruFocus' analysis, Islamic Arab Insurance Co stock appears to be overvalued.
The current stock price of د.إ1.37 is trading 110.8% above its estimated GF Value™ of د.إ0.65.
GuruFocus considers Islamic Arab Insurance Co to be Significantly Overvalued.
Key valuation signals for DFM:SALAMA:
Cash-to-Debt: 58.80 (91% above median its 10-year median of 30.72)
GF Value™: د.إ0.65 vs. price of د.إ1.37 (110.8% above fair value)
Industry Position: 2609.7% above the Insurance median (#103 of 486)
No single metric tells the full story. See the DFM:SALAMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islamic Arab Insurance Co is a Takaful (Islamic Insurance) and Re-Takaful insurance company focusing on providing sharia-compliant takaful solutions to both institutional and individual customers. It offers various insurance products, such as health insurance, auto insurance, different types of life insurance, home insurance, marine insurance, employee benefits plans, savings plans, and property and casualty insurance products, among others. The Group has two segments: General Takaful and Life Takaful. Maximum revenue is generated from the General Takaful business, incorporating all classes of general takaful, including fire, marine, motor, general accident, engineering, and medical. Geographically, the Group derives maximum revenue from Asia, and the rest from Africa.
41GF Score
Get the complete analysis for DFM:SALAMA
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DFM:SALAMA has been successfully added to your 
