Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) Cyclically Adjusted Book per Share: د.إ97.28 (As of Dec. 2025)


ADX:ALAIN Al Ain Ahlia Insurance Co PSC ADX:ALAIN
67 GF Score
Price د.إ31.50
GF Value د.إ61.74
! 3 Warning Signs
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What is Al Ain Ahlia Insurance Co PSC Cyclically Adjusted Book per Share?

Al Ain Ahlia Insurance Co PSC ADX:ALAIN 67 Cyclically Adjusted Book per Share is د.إ97.28 as of Dec. 2025. GuruFocus rates ADX:ALAIN with a GF Score™ of 67/100 and a GF Value™ of د.إ61.74. 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 Ain Ahlia Insurance Co PSC's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was د.إ94.038. 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.إ97.28 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Al Ain Ahlia Insurance Co PSC's average Cyclically Adjusted Book Growth Rate was 1.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 1.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 3.60% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 2.20% 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 Ain Ahlia Insurance Co PSC was 5.60% per year. The lowest was -1.70% per year. And the median was 2.40% per year.

As of today (2026-07-03), Al Ain Ahlia Insurance Co PSC's current stock price is د.إ 31.50. Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was د.إ97.28. Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted PB Ratio of today is 0.32.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al Ain Ahlia Insurance Co PSC was 0.72. The lowest was 0.29. And the median was 0.42.


Al Ain Ahlia Insurance Co PSC  (ADX:ALAIN) 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 Ain Ahlia Insurance Co PSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=31.50/97.28
=0.32

* 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 Ain Ahlia Insurance Co PSC was 0.72. The lowest was 0.29. And the median was 0.42.


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 Ain Ahlia Insurance Co PSC Cyclically Adjusted Book per Share Related Terms


Al Ain Ahlia Insurance Co PSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Al Ain Ahlia Insurance Co PSC'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 Ain Ahlia Insurance Co PSC Cyclically Adjusted Book per Share Chart

Al Ain Ahlia Insurance Co PSC 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 86.99 92.85 94.82 95.50 97.28

Al Ain Ahlia Insurance Co PSC Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 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 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 86.99 92.85 94.82 95.50 97.28

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

For the Insurance - Diversified subindustry, Al Ain Ahlia Insurance Co PSC'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 Ain Ahlia Insurance Co PSC Cyclically Adjusted PB Ratio vs Insurance Industry

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

* The bar in red indicates where Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted PB Ratio falls into.


ADX:ALAIN
67GF Score
Al Ain Ahlia Insurance Co PSC ADX:ALAIN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Al Ain Ahlia Insurance Co PSC 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 Ain Ahlia Insurance Co PSC's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=94.038/324.0540*324.0540
=94.038

Current CPI (Dec. 2025) = 324.0540.

Al Ain Ahlia Insurance Co PSC Annual Data

Book Value per Share CPI Adj_Book
201612 77.674 241.432 104.255
201712 78.046 246.524 102.591
201812 76.270 251.233 98.377
201912 77.303 256.974 97.482
202012 78.033 260.474 97.080
202112 86.687 278.802 100.757
202212 87.488 296.797 95.523
202312 88.651 306.746 93.653
202412 86.674 315.605 88.994
202512 94.038 324.054 94.038

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.إ97.28 mean?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a Cyclically Adjusted Book per Share of د.إ97.28 as of Dec. 2025. 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 Ain Ahlia Insurance Co PSC and its competitors.
Is Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted Book per Share too high?
Al Ain Ahlia Insurance Co PSC's current Cyclically Adjusted Book per Share is د.إ97.28. Overall, Al Ain Ahlia Insurance Co PSC has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted Book per Share compare to BRK.A and AIG?
Al Ain Ahlia Insurance Co PSC's Cyclically Adjusted Book per Share of د.إ97.28 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 Ain Ahlia Insurance Co PSC and its competitors. Al Ain Ahlia Insurance Co PSC's current Cyclically Adjusted Book per Share is د.إ97.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ain Ahlia Insurance Co PSC stock overvalued right now?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a current Cyclically Adjusted Book per Share of د.إ97.28. The stock's GF Value™ is د.إ61.74, compared to a current price of د.إ31.50 — trading 49% below its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ97.28. Al Ain Ahlia Insurance Co PSC'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 Ain Ahlia Insurance Co PSC (ADX:ALAIN), the current Cyclically Adjusted Book per Share is د.إ97.28 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 Ain Ahlia Insurance Co PSC (ADX:ALAIN) Overvalued in 2026?

Based on GuruFocus' analysis, Al Ain Ahlia Insurance Co PSC stock appears to be undervalued. The current stock price of د.إ31.50 is trading 49% below its estimated GF Value™ of د.إ61.74.

Key valuation signals for ADX:ALAIN:

  • Cyclically Adjusted Book per Share: د.إ97.28
  • GF Value™: د.إ61.74 vs. price of د.إ31.50 (49% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Al Ain Ahlia Insurance Co PSC Business Description

Address Airport Road, P.O. Box 3077, Al Ain Insurance Company Building, Behind Al Jazira Sports Club, Abu Dhabi, ARE
Al Ain Ahlia Insurance Co PSC is an Abu Dhabi-based insurance company providing a range of insurance products and services including motor, engineering, health, property, marine, energy, and aviation insurance as well as reinsurance solutions. The company operates its business in two segments: Underwriting of General Insurance Business and Investments, out of which the company derives majority of its revenue from the Underwriting of General Insurance business in the form of insurance contracts and commission income incorporating all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous.
67GF Score

Get the complete analysis for ADX:ALAIN

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

د.إ31.50
Price
د.إ61.74
GF Value