Al Fujairah National Insurance Co PSC (ADX:AFNIC) Cyclically Adjusted PS Ratio: 0.99 (As of Jul. 25, 2026) — 20% Below Median

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ADX:AFNIC Al Fujairah National Insurance Co PSC ADX:AFNIC
5 GF Score
Price د.إ210.00
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What is Al Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio?

Al Fujairah National Insurance Co PSC ADX:AFNIC 5 Cyclically Adjusted PS Ratio is 0.99 as of Jul. 25, 2026, which is 20% below its 10-year median of 1.23. GuruFocus rates ADX:AFNIC with a GF Score™ of 5/100.

As of today (2026-07-25), Al Fujairah National Insurance Co PSC's current share price is د.إ210.00. Al Fujairah National Insurance Co PSC's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 was د.إ212.34. Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio for today is 0.99.

The historical rank and industry rank for Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio or its related term are showing as below:

ADX:AFNIC' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.99   Med: 1.23   Max: 1.44
Current: 0.99

During the past 13 years, Al Fujairah National Insurance Co PSC's highest Cyclically Adjusted PS Ratio was 1.44. The lowest was 0.99. And the median was 1.23.

ADX:AFNIC's Cyclically Adjusted PS Ratio is not ranked
in the Insurance industry.
Industry Median: 1.21 vs ADX:AFNIC: 0.99

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Al Fujairah National Insurance Co PSC's adjusted revenue per share data of for the fiscal year that ended in Dec25 was د.إ393.242. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is د.إ212.34 for the trailing ten years ended in Dec25.

Shiller PE for Stocks: The True Measure of Stock Valuation


Al Fujairah National Insurance Co PSC  (ADX:AFNIC) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Al Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio Related Terms


Al Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS 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.

Al Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio Chart

Al Fujairah National Insurance Co PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.43 1.29 1.23 1.14 0.99

Al Fujairah National Insurance Co PSC Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio 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 1.43 1.29 1.23 1.14 0.99

ADX:AFNIC vs CUII: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Diversified subindustry, Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio vs Insurance Industry

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

* The bar in red indicates where Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio falls into.


ADX:AFNIC
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Al Fujairah National Insurance Co PSC ADX:AFNIC
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Al Fujairah National Insurance Co PSC Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=210.00/212.34
=0.99

* 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 Fujairah National Insurance Co PSC's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Al Fujairah National Insurance Co PSC's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=393.242/324.0540*324.0540
=393.242

Current CPI (Dec25) = 324.0540.

Al Fujairah National Insurance Co PSC Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 123.352 241.432 165.565
201712 141.363 246.524 185.821
201812 162.440 251.233 209.524
201912 180.069 256.974 227.074
202012 162.693 260.474 202.405
202112 143.941 278.802 167.304
202212 129.872 296.797 141.799
202312 169.163 306.746 178.708
202412 245.421 315.605 251.991
202512 393.242 324.054 393.242

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 0.99 mean?
Al Fujairah National Insurance Co PSC (ADX:AFNIC) has a Cyclically Adjusted PS Ratio of 0.99 as of Jul. 25, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Al Fujairah National Insurance Co PSC and its competitors. This is 20% below median its historical median of 1.23. Over the past decade, Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio has ranged from 0.99 to 1.44.
Is Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio too high?
Al Fujairah National Insurance Co PSC's current Cyclically Adjusted PS Ratio of 0.99 is 20% below median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 1.44. The Insurance industry median Cyclically Adjusted PS Ratio is 1.21. Al Fujairah National Insurance Co PSC's value of 0.99 is 18.2% below this industry median. Overall, Al Fujairah National Insurance Co PSC has a GF Score™ of 5/100, reflecting its overall financial health beyond just this single metric.
How does Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio compare to CUII?
Al Fujairah National Insurance Co PSC's Cyclically Adjusted PS Ratio of 0.99 can be compared against companies in the Insurance industry. The industry median Cyclically Adjusted PS Ratio is 1.21. Al Fujairah National Insurance Co PSC's value of 0.99 is 18.2% below this benchmark. Historically, Al Fujairah National Insurance Co PSC's own Cyclically Adjusted PS Ratio has ranged from 0.99 to 1.44 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 1.21, Al Fujairah National 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 PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.21, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Fujairah National Insurance Co PSC's current Cyclically Adjusted PS Ratio of 0.99 is 18.2% 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Al Fujairah National Insurance Co PSC and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Fujairah National Insurance Co PSC's current Cyclically Adjusted PS Ratio is 0.99, which is 20% below median its own 10-year median of 1.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Fujairah National Insurance Co PSC stock overvalued right now?
Al Fujairah National Insurance Co PSC (ADX:AFNIC) has a current Cyclically Adjusted PS Ratio of 0.99. The current Cyclically Adjusted PS Ratio is 0.99, which is 20% below median its 10-year median of 1.23 and 18.2% below the Insurance industry median of 1.21. Al Fujairah National Insurance Co PSC's overall GF Score™ is 5/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Al Fujairah National Insurance Co PSC (ADX:AFNIC), the current Cyclically Adjusted PS Ratio is 0.99 as of Jul. 25, 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.

Al Fujairah National Insurance Co PSC Business Description

Address Hamad Bin Abdullah Street, Ground Floor, Insurance Building, PO Box 277, Fujairah, ARE
Al Fujairah National Insurance Co PSC is an insurance service provider. The company is engaged in the writing of all classes of general insurance and short-term life insurance. It provides services in Abu Dhabi, Dubai, Sharjah, Dibba, and Fujairah, as well as through Insurance ATMs. The company writes all classes of property and casualty insurance, including individual insurance that covers automobile insurance, medical insurance, home insurance, life insurance, etc., and corporate insurance that covers aviation insurance, group life insurance, group medical insurance, energy insurance, engineering and projects, liability insurance, marine insurance, property insurance, and miscellaneous insurance. Its segments are Motor and General, which generate maximum revenue, and Life and Medical.
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Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ210.00
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