Dubai National Insurance & Reinsurance PSC (DFM:DNIR) Cyclically Adjusted FCF per Share: د.إ0.22 (As of Mar. 2026)


DFM:DNIR Dubai National Insurance & Reinsurance PSC DFM:DNIR
72 GF Score
Price د.إ3.00
GF Value د.إ5.90
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Dubai National Insurance & Reinsurance PSC Cyclically Adjusted FCF per Share?

Dubai National Insurance & Reinsurance PSC DFM:DNIR 72 Cyclically Adjusted FCF per Share is د.إ0.22 as of Mar. 2026. GuruFocus rates DFM:DNIR with a GF Score™ of 72/100 and a GF Value™ of د.إ5.90 (Significantly Undervalued). The stock has 1 warning sign 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 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.

Dubai National Insurance & Reinsurance PSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-0.453. 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.إ0.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dubai National Insurance & Reinsurance PSC's average Cyclically Adjusted FCF Growth Rate was 4.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 1.40% 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 Dubai National Insurance & Reinsurance PSC was 3.40% per year. The lowest was -3.30% per year. And the median was -2.70% per year.

As of today (2026-07-03), Dubai National Insurance & Reinsurance PSC's current stock price is د.إ3.00. Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.22. Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted Price-to-FCF of today is 13.64.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dubai National Insurance & Reinsurance PSC was 33.18. The lowest was 12.90. And the median was 22.63.


Dubai National Insurance & Reinsurance PSC  (DFM:DNIR) 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.

Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=3.00/0.22
=13.64

* 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 Dubai National Insurance & Reinsurance PSC was 33.18. The lowest was 12.90. And the median was 22.63.


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.


Dubai National Insurance & Reinsurance PSC Cyclically Adjusted FCF per Share Related Terms


Dubai National Insurance & Reinsurance PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dubai National Insurance & Reinsurance 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.

Dubai National Insurance & Reinsurance PSC Cyclically Adjusted FCF per Share Chart

Dubai National Insurance & Reinsurance 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 0.21 0.25 0.21 0.19 0.23

Dubai National Insurance & Reinsurance 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 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 0.21 0.19 0.21 0.23 0.22

DFM:DNIR vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.


Dubai National Insurance & Reinsurance PSC Cyclically Adjusted Price-to-FCF vs Insurance Industry

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

* The bar in red indicates where Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted Price-to-FCF falls into.


DFM:DNIR
72GF Score
Dubai National Insurance & Reinsurance PSC DFM:DNIR
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai National Insurance & Reinsurance 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, Dubai National Insurance & Reinsurance PSC's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.453/330.2130*330.2130
=-0.453

Current CPI (Mar. 2026) = 330.2130.

Dubai National Insurance & Reinsurance PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.145 241.018 0.199
201609 0.027 241.428 0.037
201612 0.129 241.432 0.176
201703 -0.163 243.801 -0.221
201706 0.066 244.955 0.089
201709 0.181 246.819 0.242
201712 0.160 246.524 0.214
201803 -0.216 249.554 -0.286
201806 0.067 251.989 0.088
201809 0.315 252.439 0.412
201812 0.079 251.233 0.104
201903 -0.036 254.202 -0.047
201906 0.094 256.143 0.121
201909 0.242 256.759 0.311
201912 -0.098 256.974 -0.126
202003 -0.097 258.115 -0.124
202006 0.115 257.797 0.147
202009 -0.119 260.280 -0.151
202012 0.027 260.474 0.034
202103 0.165 264.877 0.206
202106 0.050 271.696 0.061
202109 -0.003 274.310 -0.004
202112 0.069 278.802 0.082
202203 0.045 287.504 0.052
202206 0.126 296.311 0.140
202209 0.245 296.808 0.273
202212 0.048 296.797 0.053
202303 -0.185 301.836 -0.202
202306 -0.178 305.109 -0.193
202309 -0.067 307.789 -0.072
202312 0.221 306.746 0.238
202403 0.044 312.332 0.047
202406 -0.071 314.175 -0.075
202409 -0.146 315.301 -0.153
202412 0.185 315.605 0.194
202503 0.040 319.799 0.041
202506 -0.008 322.561 -0.008
202509 0.262 324.800 0.266
202512 0.494 324.054 0.503
202603 -0.453 330.213 -0.453

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.إ0.22 mean?
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) has a Cyclically Adjusted FCF per Share of د.إ0.22 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dubai National Insurance & Reinsurance PSC and its competitors.
Is Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted FCF per Share too high?
Dubai National Insurance & Reinsurance PSC's current Cyclically Adjusted FCF per Share is د.إ0.22. Overall, Dubai National Insurance & Reinsurance PSC has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted FCF per Share of د.إ0.22 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 Dubai National Insurance & Reinsurance PSC and its competitors. Dubai National Insurance & Reinsurance PSC's current Cyclically Adjusted FCF per Share is د.إ0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dubai National Insurance & Reinsurance PSC stock overvalued right now?
Based on GuruFocus' analysis, Dubai National Insurance & Reinsurance PSC (DFM:DNIR) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ5.90, compared to a current price of د.إ3.00 — trading 49.2% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.22. Dubai National Insurance & Reinsurance PSC's overall GF Score™ is 72/100 with 1 warning sign to review. 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 Dubai National Insurance & Reinsurance PSC (DFM:DNIR), the current Cyclically Adjusted FCF per Share is د.إ0.22 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 Dubai National Insurance & Reinsurance PSC (DFM:DNIR) Overvalued in 2026?

Based on GuruFocus' analysis, Dubai National Insurance & Reinsurance PSC stock appears to be undervalued. The current stock price of د.إ3.00 is trading 49.2% below its estimated GF Value™ of د.إ5.90. GuruFocus considers Dubai National Insurance & Reinsurance PSC to be Significantly Undervalued.

Key valuation signals for DFM:DNIR:

  • Cyclically Adjusted FCF per Share: د.إ0.22
  • GF Value™: د.إ5.90 vs. price of د.إ3.00 (49.2% below fair value)
  • GF Score™: 72/100 with 1 warning sign

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


Dubai National Insurance & Reinsurance PSC Business Description

Address Sheikh Zayed road, P.O. Box: 1806, 3rd Floor, Dubai National Insurance Building, Next to Mazaya Center, Behind Coca Cola Arena, Dubai, ARE
Dubai National Insurance & Reinsurance PSC is engaged in providing insurance and reinsurance services. The company's insurance services consist of commercial insurance that includes motor fleet insurance, group medical insurance, engineering, general accidents, liability, marine, property, group life, and personal accident insurance, among others. It operates in two main business segments: Underwriting and Investments. Maximum revenue is generated from the Underwriting segment, which is further classified into General Insurance, Group Life, and Health Insurance.
72GF Score

Get the complete analysis for DFM:DNIR

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

د.إ3.00
Price
د.إ5.90
GF Value