Al Dhafra Insurance Co PSC (ADX:DHAFRA) Cyclically Adjusted Book per Share: د.إ4.86 (As of Mar. 2026)

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ADX:DHAFRA Al Dhafra Insurance Co PSC ADX:DHAFRA
46 GF Score
Price د.إ7.79
GF Value د.إ5.63
Valuation Significantly Overvalued
! 10 Warning Signs
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What is Al Dhafra Insurance Co PSC Cyclically Adjusted Book per Share?

Al Dhafra Insurance Co PSC ADX:DHAFRA 46 Cyclically Adjusted Book per Share is د.إ4.86 as of Mar. 2026. GuruFocus rates ADX:DHAFRA with a GF Score™ of 46/100 and a GF Value™ of د.إ5.63 (Significantly Overvalued). The stock has 10 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 Dhafra Insurance Co PSC's adjusted book value per share for the three months ended in Mar. 2026 was د.إ5.529. 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.إ4.86 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Al Dhafra Insurance Co PSC's average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.60% 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 Dhafra Insurance Co PSC was 6.60% per year. The lowest was 2.70% per year. And the median was 3.90% per year.

As of today (2026-07-15), Al Dhafra Insurance Co PSC's current stock price is د.إ7.79. Al Dhafra Insurance Co PSC's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was د.إ4.86. Al Dhafra Insurance Co PSC's Cyclically Adjusted PB Ratio of today is 1.60.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Al Dhafra Insurance Co PSC was 1.69. The lowest was 0.14. And the median was 1.13.


Al Dhafra Insurance Co PSC  (ADX:DHAFRA) 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 Dhafra Insurance Co PSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=7.79/4.86
=1.60

* 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 Dhafra Insurance Co PSC was 1.69. The lowest was 0.14. And the median was 1.13.


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 Dhafra Insurance Co PSC Cyclically Adjusted Book per Share Related Terms


Al Dhafra Insurance Co PSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Al Dhafra 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 Dhafra Insurance Co PSC Cyclically Adjusted Book per Share Chart

Al Dhafra 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 4.05 4.38 4.51 4.54 4.74

Al Dhafra Insurance Co PSC 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 4.60 4.64 4.70 4.74 4.86

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

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

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

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


ADX:DHAFRA
46GF Score
Al Dhafra Insurance Co PSC ADX:DHAFRA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Dhafra 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 Dhafra Insurance Co PSC'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)
=5.529/330.2130*330.2130
=5.529

Current CPI (Mar. 2026) = 330.2130.

Al Dhafra Insurance Co PSC Quarterly Data

Book Value per Share CPI Adj_Book
201606 3.124 241.018 4.280
201609 3.120 241.428 4.267
201612 3.110 241.432 4.254
201703 3.034 243.801 4.109
201706 3.127 244.955 4.215
201709 3.356 246.819 4.490
201712 3.251 246.524 4.355
201803 3.157 249.554 4.177
201806 3.326 251.989 4.358
201809 3.726 252.439 4.874
201812 3.503 251.233 4.604
201903 3.608 254.202 4.687
201906 3.714 256.143 4.788
201909 3.971 256.759 5.107
201912 3.915 256.974 5.031
202003 3.075 258.115 3.934
202006 3.399 257.797 4.354
202009 3.659 260.280 4.642
202012 3.893 260.474 4.935
202103 3.816 264.877 4.757
202106 4.042 271.696 4.913
202109 4.271 274.310 5.141
202112 4.602 278.802 5.451
202203 5.266 287.504 6.048
202206 4.388 296.311 4.890
202209 4.500 296.808 5.006
202212 4.434 296.797 4.933
202303 4.261 301.836 4.662
202306 4.519 305.109 4.891
202309 4.695 307.789 5.037
202312 4.638 306.746 4.993
202403 4.489 312.332 4.746
202406 4.478 314.175 4.707
202409 4.796 315.301 5.023
202412 5.019 315.605 5.251
202503 5.125 319.799 5.292
202506 5.712 322.561 5.848
202509 5.859 324.800 5.957
202512 5.919 324.054 6.031
202603 5.529 330.213 5.529

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.إ4.86 mean?
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a Cyclically Adjusted Book per Share of د.إ4.86 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 Dhafra Insurance Co PSC and its competitors.
Is Al Dhafra Insurance Co PSC's Cyclically Adjusted Book per Share too high?
Al Dhafra Insurance Co PSC's current Cyclically Adjusted Book per Share is د.إ4.86. Overall, Al Dhafra Insurance Co PSC has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Dhafra Insurance Co PSC's Cyclically Adjusted Book per Share compare to BRK.A and AIG?
Al Dhafra Insurance Co PSC's Cyclically Adjusted Book per Share of د.إ4.86 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 Dhafra Insurance Co PSC and its competitors. Al Dhafra Insurance Co PSC's current Cyclically Adjusted Book per Share is د.إ4.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Dhafra Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC (ADX:DHAFRA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ5.63, compared to a current price of د.إ7.79 — trading 38.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ4.86. Al Dhafra Insurance Co PSC's overall GF Score™ is 46/100 with 10 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 Dhafra Insurance Co PSC (ADX:DHAFRA), the current Cyclically Adjusted Book per Share is د.إ4.86 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 Dhafra Insurance Co PSC (ADX:DHAFRA) Overvalued in 2026?

Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC stock appears to be overvalued. The current stock price of د.إ7.79 is trading 38.4% above its estimated GF Value™ of د.إ5.63. GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.

Key valuation signals for ADX:DHAFRA:

  • Cyclically Adjusted Book per Share: د.إ4.86
  • GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
  • GF Score™: 46/100 with 10 warning signs

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


Al Dhafra Insurance Co PSC Business Description

Address Zayed II Street, P.O. Box 319, Al Dhafra Insurance Company Building, Abu Dhabi, ARE
Al Dhafra Insurance Co PSC is a direct Insurer in the U.A.E. market, underwriting both Life and Non-Life business. The classes of business underwritten by the company are Fire & General Accident; Contract Works and Contractor's Plant & Equipment; Electronic Equipment & Machinery Breakdown; Workmen's Compensation & Employer's Liability; Public Liability, Medical Malpractice and other Professional Indemnity risks; Marine Cargo, Marine Hull & Pleasure Craft; Oil & Gas on and offshore operations; Personal Accident, Medical & Life; Visit visa and House maid policies; and Motor. It operates in two segments namely Underwriting of general insurance business that incorporates all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous, and Investments.
46GF Score

Get the complete analysis for ADX:DHAFRA

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

د.إ7.79
Price
د.إ5.63
GF Value