Takaful Al Emarat (DFM:TAKAFUL-EM) Cyclically Adjusted FCF per Share: د.إ0.38 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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DFM:TAKAFUL-EM Takaful Al Emarat DFM:TAKAFUL-EM
62 GF Score
Price د.إ1.67
GF Value د.إ1.81
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Takaful Al Emarat Cyclically Adjusted FCF per Share?

Takaful Al Emarat DFM:TAKAFUL-EM 62 Cyclically Adjusted FCF per Share is د.إ0.38 as of Mar. 2026. GuruFocus rates DFM:TAKAFUL-EM with a GF Score™ of 62/100 and a GF Value™ of د.إ1.81 (Fairly Valued). 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 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.

Takaful Al Emarat's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-0.045. 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.إ0.38 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Takaful Al Emarat's average Cyclically Adjusted FCF Growth Rate was -41.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -11.60% 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 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 Takaful Al Emarat was 0.50% per year. The lowest was -11.60% per year. And the median was -5.55% per year.

As of today (2026-08-05), Takaful Al Emarat's current stock price is د.إ1.67. Takaful Al Emarat's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.38. Takaful Al Emarat's Cyclically Adjusted Price-to-FCF of today is 4.39.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Takaful Al Emarat was 5.60. The lowest was 0.97. And the median was 2.80.


Takaful Al Emarat  (DFM:TAKAFUL-EM) 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.

Takaful Al Emarat's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.67/0.38
=4.39

* 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 Takaful Al Emarat was 5.60. The lowest was 0.97. And the median was 2.80.


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.


Takaful Al Emarat Cyclically Adjusted FCF per Share Related Terms


Takaful Al Emarat Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Takaful Al Emarat'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.

Takaful Al Emarat Cyclically Adjusted FCF per Share Chart

Takaful Al Emarat 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 0.69 0.58 0.67 0.70 0.40

Takaful Al Emarat 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 0.65 0.57 0.37 0.40 0.38

DFM:TAKAFUL-EM vs FNF, AXS, FAF: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Specialty subindustry, Takaful Al Emarat'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.


Takaful Al Emarat Cyclically Adjusted Price-to-FCF vs Insurance Industry

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

* The bar in red indicates where Takaful Al Emarat's Cyclically Adjusted Price-to-FCF falls into.


DFM:TAKAFUL-EM
62GF Score
Takaful Al Emarat DFM:TAKAFUL-EM
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Takaful Al Emarat 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, Takaful Al Emarat'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)
=-0.045/330.2130*330.2130
=-0.045

Current CPI (Mar. 2026) = 330.2130.

Takaful Al Emarat Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.046 241.018 0.063
201609 0.380 241.428 0.520
201612 1.396 241.432 1.909
201703 -0.046 243.801 -0.062
201706 -0.032 244.955 -0.043
201709 -0.006 246.819 -0.008
201712 -1.596 246.524 -2.138
201803 0.041 249.554 0.054
201806 -0.609 251.989 -0.798
201809 1.407 252.439 1.840
201812 0.847 251.233 1.113
201903 -0.346 254.202 -0.449
201906 -0.320 256.143 -0.413
201909 0.242 256.759 0.311
201912 0.248 256.974 0.319
202003 -0.377 258.115 -0.482
202006 0.391 257.797 0.501
202009 0.435 260.280 0.552
202012 0.854 260.474 1.083
202103 0.155 264.877 0.193
202106 0.246 271.696 0.299
202109 0.194 274.310 0.234
202112 -0.753 278.802 -0.892
202203 -0.315 287.504 -0.362
202206 -0.359 296.311 -0.400
202209 0.422 296.808 0.469
202212 -0.721 296.797 -0.802
202303 -0.283 301.836 -0.310
202306 0.929 305.109 1.005
202309 -0.780 307.789 -0.837
202312 0.649 306.746 0.699
202403 0.233 312.332 0.246
202406 0.254 314.175 0.267
202409 -0.139 315.301 -0.146
202412 0.183 315.605 0.191
202503 -0.082 319.799 -0.085
202506 0.097 322.561 0.099
202509 0.172 324.800 0.175
202512 -0.080 324.054 -0.082
202603 -0.045 330.213 -0.045

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.إ0.38 mean?
Takaful Al Emarat (DFM:TAKAFUL-EM) has a Cyclically Adjusted FCF per Share of د.إ0.38 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 Takaful Al Emarat and its competitors.
Is Takaful Al Emarat's Cyclically Adjusted FCF per Share too high?
Takaful Al Emarat's current Cyclically Adjusted FCF per Share is د.إ0.38. Overall, Takaful Al Emarat has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's Cyclically Adjusted FCF per Share compare to FNF and AXS?
Takaful Al Emarat's Cyclically Adjusted FCF per Share of د.إ0.38 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 Takaful Al Emarat and its competitors. Takaful Al Emarat's current Cyclically Adjusted FCF per Share is د.إ0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Takaful Al Emarat stock overvalued right now?
Based on GuruFocus' analysis, Takaful Al Emarat (DFM:TAKAFUL-EM) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.67 — trading 7.7% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.38. Takaful Al Emarat's overall GF Score™ is 62/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Takaful Al Emarat (DFM:TAKAFUL-EM), the current Cyclically Adjusted FCF per Share is د.إ0.38 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 Takaful Al Emarat (DFM:TAKAFUL-EM) Overvalued in 2026?

Based on GuruFocus' analysis, Takaful Al Emarat stock appears to be undervalued. The current stock price of د.إ1.67 is trading 7.7% below its estimated GF Value™ of د.إ1.81. GuruFocus considers Takaful Al Emarat to be Fairly Valued.

Key valuation signals for DFM:TAKAFUL-EM:

  • Cyclically Adjusted FCF per Share: د.إ0.38
  • GF Value™: د.إ1.81 vs. price of د.إ1.67 (7.7% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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


Takaful Al Emarat Business Description

Address Sheikh Zayed Road, P.O. Box 57589, Office 102, 1st Floor, Hassanacore Building, Al Barsha 1, Dubai, ARE
Takaful Al Emarat is engaged in the insurance business in the United Arab Emirates. The company provides health insurance, life insurance, and credit and savings insurance. Under personal insurance, it provides level term plans, a decreasing term plan, takaful growth plan, whole life plan, educational plan, wealth plan, and Travel protection plan. The company is organized into two business segments: Takaful and Investment operations. The Takaful operations comprise the takaful business undertaken by the group on behalf of policyholders, and Investment operations comprise investments and cash management of its accounts.
62GF Score

Get the complete analysis for DFM:TAKAFUL-EM

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

د.إ1.67
Price
د.إ1.81
GF Value