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Sharjah Insurance Co PSCADX:SICO 32 Cyclically Adjusted PB Ratio is 0.82 as of Jul. 17, 2026, which is 27% below its 10-year median of 1.12. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 414 Insurance companies, Sharjah Insurance Co PSC ranks better than 76.81% on this metric.
The historical rank and industry rank for Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio or its related term are showing as below:
ADX:SICO'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 1.12 Max: 1.59
Current: 0.82
During the past 13 years, Sharjah Insurance Co PSC's highest Cyclically Adjusted PB Ratio was 1.59. The lowest was 0.53. And the median was 1.12.
ADX:SICO's Cyclically Adjusted PB Ratio is ranked better than 76.81% of 414
companies
in the Insurance industry
Industry Median: 1.4
vs ADX:SICO: 0.82
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.
Sharjah Insurance Co PSC's adjusted book value per share data of for the fiscal year that ended in Dec25 was د.إ2.095. 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.إ1.85 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Sharjah Insurance Co PSC (ADX:SICO) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Sharjah Insurance Co PSC Cyclically Adjusted PB Ratio Related Terms
Sharjah Insurance Co PSC Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio 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.
Sharjah Insurance Co PSC Cyclically Adjusted PB Ratio Chart
ADX:SICO vs BRK.A, AIG, HIG: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Diversified subindustry, Sharjah 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.
Sharjah Insurance Co PSC Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio falls into.
Sharjah Insurance Co PSC Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.82 mean?
Sharjah Insurance Co PSC (ADX:SICO) has a Cyclically Adjusted PB Ratio of 0.82 as of Jul. 17, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Sharjah Insurance Co PSC and its competitors. This is 27% below median its historical median of 1.12. Over the past decade, Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio has ranged from 0.53 to 1.59. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #96 out of 414 companies in the Insurance industry, placing it in the top 23.2%.
Is Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio too high?
Sharjah Insurance Co PSC's current Cyclically Adjusted PB Ratio of 0.82 is 27% below median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.59. The Insurance industry median Cyclically Adjusted PB Ratio is 1.40. Sharjah Insurance Co PSC's value of 0.82 is 41.4% below this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #96 out of 414 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's Cyclically Adjusted PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #96 out of 414 companies for Cyclically Adjusted PB Ratio. This places Sharjah Insurance Co PSC in the top 23% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 1.40. Sharjah Insurance Co PSC's value of 0.82 is 41.4% below this benchmark. Historically, Sharjah Insurance Co PSC's own Cyclically Adjusted PB Ratio has ranged from 0.53 to 1.59 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 1.40, Sharjah Insurance Co PSC has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.40, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sharjah Insurance Co PSC's current Cyclically Adjusted PB Ratio of 0.82 is 41.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Sharjah Insurance Co PSC and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Insurance Co PSC's current Cyclically Adjusted PB Ratio is 0.82, which is 27% below median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current Cyclically Adjusted PB Ratio of 0.82. The current Cyclically Adjusted PB Ratio is 0.82, which is 27% below median its 10-year median of 1.12 and 41.4% below the Insurance industry median of 1.40. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Sharjah Insurance Co PSC (ADX:SICO), the current Cyclically Adjusted PB Ratio is 0.82 as of Jul. 17, 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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