Al-Buhaira National Insurance Co (ADX:ABNIC) Cyclically Adjusted Book per Share: د.إ2.93 (As of Mar. 2026)


ADX:ABNIC Al-Buhaira National Insurance Co ADX:ABNIC
67 GF Score
Price د.إ2.58
GF Value د.إ4.55
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Al-Buhaira National Insurance Co Cyclically Adjusted Book per Share?

Al-Buhaira National Insurance Co ADX:ABNIC 67 Cyclically Adjusted Book per Share is د.إ2.93 as of Mar. 2026. GuruFocus rates ADX:ABNIC with a GF Score™ of 67/100 and a GF Value™ of د.إ4.55 (Significantly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Al-Buhaira National Insurance Co's adjusted book value per share for the three months ended in Mar. 2026 was د.إ2.054. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is د.إ2.93 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Al-Buhaira National Insurance Co's average Cyclically Adjusted Book Growth Rate was -2.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -1.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Al-Buhaira National Insurance Co was 0.40% per year. The lowest was -1.50% per year. And the median was -0.55% per year.

As of today (2026-07-12), Al-Buhaira National Insurance Co's current stock price is د.إ2.58. Al-Buhaira National Insurance Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was د.إ2.93. Al-Buhaira National Insurance Co's Cyclically Adjusted PB Ratio of today is 0.88.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al-Buhaira National Insurance Co was 1.04. The lowest was 0.58. And the median was 0.90.


Al-Buhaira National Insurance Co  (ADX:ABNIC) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Al-Buhaira National Insurance Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=2.58/2.93
=0.88

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al-Buhaira National Insurance Co was 1.04. The lowest was 0.58. And the median was 0.90.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Al-Buhaira National Insurance Co Cyclically Adjusted Book per Share Related Terms


Al-Buhaira National Insurance Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Al-Buhaira National Insurance Co's Cyclically Adjusted Book per Share 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.

Al-Buhaira National Insurance Co Cyclically Adjusted Book per Share Chart

Al-Buhaira National Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.95 3.06 3.05 2.99 2.92

Al-Buhaira National Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 2.99 2.98 2.96 2.92 2.93

ADX:ABNIC vs BRK.A, AIG, HIG: Cyclically Adjusted Book per Share Comparison

For the Insurance - Diversified subindustry, Al-Buhaira National Insurance Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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-Buhaira National Insurance Co Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Al-Buhaira National Insurance Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Al-Buhaira National Insurance Co's Cyclically Adjusted PB Ratio falls into.


ADX:ABNIC
67GF Score
Al-Buhaira National Insurance Co ADX:ABNIC
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al-Buhaira National Insurance Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Al-Buhaira National Insurance Co's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.054/330.2130*330.2130
=2.054

Current CPI (Mar. 2026) = 330.2130.

Al-Buhaira National Insurance Co Quarterly Data

Book Value per Share CPI Adj_Book
201506 2.748 238.638 3.803
201512 2.459 236.525 3.433
201612 2.537 241.432 3.470
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 2.655 246.524 3.556
201803 2.617 249.554 3.463
201806 2.553 251.989 3.346
201809 2.577 252.439 3.371
201812 2.541 251.233 3.340
201903 2.608 254.202 3.388
201906 2.633 256.143 3.394
201909 2.668 256.759 3.431
201912 2.617 256.974 3.363
202003 2.678 258.115 3.426
202006 2.717 257.797 3.480
202009 2.770 260.280 3.514
202012 2.699 260.474 3.422
202103 2.684 264.877 3.346
202106 2.716 271.696 3.301
202109 2.754 274.310 3.315
202112 2.746 278.802 3.252
202203 2.816 287.504 3.234
202206 2.738 296.311 3.051
202209 2.706 296.808 3.011
202212 2.512 296.797 2.795
202303 2.443 301.836 2.673
202306 2.376 305.109 2.571
202309 2.189 307.789 2.348
202312 2.009 306.746 2.163
202403 1.953 312.332 2.065
202406 1.906 314.175 2.003
202409 1.825 315.301 1.911
202412 1.859 315.605 1.945
202503 1.911 319.799 1.973
202506 1.944 322.561 1.990
202509 2.080 324.800 2.115
202512 1.931 324.054 1.968
202603 2.054 330.213 2.054

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of د.إ2.93 mean?
Al-Buhaira National Insurance Co (ADX:ABNIC) has a Cyclically Adjusted Book per Share of د.إ2.93 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Al-Buhaira National Insurance Co and its competitors.
Is Al-Buhaira National Insurance Co's Cyclically Adjusted Book per Share too high?
Al-Buhaira National Insurance Co's current Cyclically Adjusted Book per Share is د.إ2.93. Overall, Al-Buhaira National Insurance Co has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al-Buhaira National Insurance Co's Cyclically Adjusted Book per Share compare to BRK.A and AIG?
Al-Buhaira National Insurance Co's Cyclically Adjusted Book per Share of د.إ2.93 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Al-Buhaira National Insurance Co and its competitors. Al-Buhaira National Insurance Co's current Cyclically Adjusted Book per Share is د.إ2.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al-Buhaira National Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Al-Buhaira National Insurance Co (ADX:ABNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ4.55, compared to a current price of د.إ2.58 — trading 43.3% below its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ2.93. Al-Buhaira National Insurance Co's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Al-Buhaira National Insurance Co (ADX:ABNIC), the current Cyclically Adjusted Book per Share is د.إ2.93 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 Al-Buhaira National Insurance Co (ADX:ABNIC) Overvalued in 2026?

Based on GuruFocus' analysis, Al-Buhaira National Insurance Co stock appears to be undervalued. The current stock price of د.إ2.58 is trading 43.3% below its estimated GF Value™ of د.إ4.55. GuruFocus considers Al-Buhaira National Insurance Co to be Significantly Undervalued.

Key valuation signals for ADX:ABNIC:

  • Cyclically Adjusted Book per Share: د.إ2.93
  • GF Value™: د.إ4.55 vs. price of د.إ2.58 (43.3% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Al-Buhaira National Insurance Co Business Description

Address Al Buhaira Tower, Khalid Lagoon, P.O Box 6000, 6th Floor, Buhaira Corniche, Sharjah, ARE
Al-Buhaira National Insurance Co is a national insurance company. The group's principal activity is the writing of insurance of all types, other than savings and accumulation of funds. The company is organized into two segments, namely Underwriting and Investments. The underwriting segment incorporates all classes of general insurance, including fire, marine, medical, motor, general accident, and other classes of insurance. The investment segment includes investments in equity securities, term deposits with banks, and investment properties.
67GF Score

Get the complete analysis for ADX:ABNIC

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ2.58
Price
د.إ4.55
GF Value