Emirates Insurance Co PSC (ADX:EIC) Cyclically Adjusted FCF per Share: د.إ0.53 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ADX:EIC Emirates Insurance Co PSC ADX:EIC
56 GF Score
Price د.إ8.00
GF Value د.إ8.43
Valuation Fairly Valued
View Full Analysis

What is Emirates Insurance Co PSC Cyclically Adjusted FCF per Share?

Emirates Insurance Co PSC ADX:EIC -1.23% 56 Cyclically Adjusted FCF per Share is د.إ0.53 as of Dec. 2025. GuruFocus rates ADX:EIC with a GF Score™ of 56/100 and a GF Value™ of د.إ8.43 (Fairly Valued).

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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Emirates Insurance Co PSC's adjusted free cash flow per share for the three months ended in Dec. 2025 was د.إ0.371. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is د.إ0.53 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Emirates Insurance Co PSC's average Cyclically Adjusted FCF Growth Rate was 17.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -6.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -4.30% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Emirates Insurance Co PSC was 2.70% per year. The lowest was -9.10% per year. And the median was -3.90% per year.

As of today (2026-07-20), Emirates Insurance Co PSC's current stock price is د.إ8.00. Emirates Insurance Co PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2025 was د.إ0.53. Emirates Insurance Co PSC's Cyclically Adjusted Price-to-FCF of today is 15.09.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Emirates Insurance Co PSC was 31.80. The lowest was 2.96. And the median was 12.50.


Emirates Insurance Co PSC  (ADX:EIC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Emirates Insurance Co PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=8.00/0.53
=15.09

* 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 Price-to-FCF of Emirates Insurance Co PSC was 31.80. The lowest was 2.96. And the median was 12.50.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Emirates Insurance Co PSC Cyclically Adjusted FCF per Share Related Terms


Emirates Insurance Co PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Emirates Insurance Co PSC's Cyclically Adjusted FCF 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.

Emirates Insurance Co PSC Cyclically Adjusted FCF per Share Chart

Emirates Insurance Co PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.60 0.64 0.56 0.45 0.53

Emirates Insurance Co PSC Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted FCF 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 0.45 0.44 0.42 0.51 0.53

ADX:EIC vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, Emirates Insurance Co PSC's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Emirates Insurance Co PSC Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Emirates Insurance Co PSC's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Emirates Insurance Co PSC's Cyclically Adjusted Price-to-FCF falls into.


ADX:EIC
56GF Score
Emirates Insurance Co PSC ADX:EIC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Emirates Insurance Co PSC Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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, Emirates Insurance Co PSC's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.371/324.0540*324.0540
=0.371

Current CPI (Dec. 2025) = 324.0540.

Emirates Insurance Co PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 0.142 238.132 0.193
201606 0.064 241.018 0.086
201609 0.079 241.428 0.106
201612 0.173 241.432 0.232
201703 -0.081 243.801 -0.108
201706 0.368 244.955 0.487
201709 0.140 246.819 0.184
201712 0.094 246.524 0.124
201803 -0.023 249.554 -0.030
201806 0.062 251.989 0.080
201809 0.263 252.439 0.338
201812 0.066 251.233 0.085
201903 0.758 254.202 0.966
201906 -0.273 256.143 -0.345
201909 0.221 256.759 0.279
201912 0.165 256.974 0.208
202003 0.012 258.115 0.015
202006 0.305 257.797 0.383
202009 0.082 260.280 0.102
202012 0.049 260.474 0.061
202103 -0.144 264.877 -0.176
202106 0.311 271.696 0.371
202109 -0.029 274.310 -0.034
202112 0.044 278.802 0.051
202203 0.378 287.504 0.426
202206 -0.476 296.311 -0.521
202209 0.066 296.808 0.072
202212 0.429 296.797 0.468
202303 -0.360 301.836 -0.386
202306 -0.121 305.109 -0.129
202309 0.073 307.789 0.077
202312 0.325 306.746 0.343
202403 -0.311 312.332 -0.323
202406 0.248 314.175 0.256
202409 -0.110 315.301 -0.113
202412 0.010 315.605 0.010
202503 -0.223 319.799 -0.226
202506 0.590 322.561 0.593
202509 0.723 324.800 0.721
202512 0.371 324.054 0.371

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of د.إ0.53 mean?
Emirates Insurance Co PSC (ADX:EIC) has a Cyclically Adjusted FCF per Share of د.إ0.53 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Emirates Insurance Co PSC and its competitors.
Is Emirates Insurance Co PSC's Cyclically Adjusted FCF per Share too high?
Emirates Insurance Co PSC's current Cyclically Adjusted FCF per Share is د.إ0.53. Overall, Emirates Insurance Co PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Emirates Insurance Co PSC's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Emirates Insurance Co PSC's Cyclically Adjusted FCF per Share of د.إ0.53 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Emirates Insurance Co PSC and its competitors. Emirates Insurance Co PSC's current Cyclically Adjusted FCF per Share is د.إ0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Insurance Co PSC (ADX:EIC) is currently considered Fairly Valued. The stock's GF Value™ is د.إ8.43, compared to a current price of د.إ8.00 — trading 5.1% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.53. Emirates Insurance Co PSC's overall GF Score™ is 56/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Emirates Insurance Co PSC (ADX:EIC), the current Cyclically Adjusted FCF per Share is د.إ0.53 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 Emirates Insurance Co PSC (ADX:EIC) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates Insurance Co PSC stock appears to be undervalued. The current stock price of د.إ8.00 is trading 5.1% below its estimated GF Value™ of د.إ8.43. GuruFocus considers Emirates Insurance Co PSC to be Fairly Valued.

Key valuation signals for ADX:EIC:

  • Cyclically Adjusted FCF per Share: د.إ0.53
  • GF Value™: د.إ8.43 vs. price of د.إ8.00 (5.1% below fair value)
  • GF Score™: 56/100

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


Emirates Insurance Co PSC Business Description

Address EIC Building, Al Zahiya (Tourist Club), P.O.Box 3856, Abu Dhabi, ARE
Emirates Insurance Co PSC is mainly engaged in issuing short-term and long-term insurance contracts and trading in securities. It operates through two segments: Underwriting of general insurance business (Underwriting) and Investments. The Underwriting of general insurance business incorporates all classes of general insurance products offered by the company, such as fire, marine, motor, general accident, and miscellaneous. The Investments segment includes activities of investments in marketable equity securities and investment funds, bonds, term deposits with banks, investment properties, and other securities. The majority of the company's revenue is generated from the Underwriting segment. Geographically, it generates maximum revenue from the UAE, followed by Europe and the USA.
56GF Score

Get the complete analysis for ADX:EIC

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

د.إ8.00
Price
د.إ8.43
GF Value