Dubai National Insurance & Reinsurance PSCDFM:DNIR 77 Cyclically Adjusted PS Ratio is 1.35 as of Jul. 07, 2026, which is 55% below its 10-year median of 3.03. GuruFocus rates DFM:DNIR with a GF Score™ of 77/100 and a GF Value™ of د.إ5.91 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 413 Insurance companies, Dubai National Insurance & Reinsurance PSC ranks worse than 54% on this metric.
DFM:DNIR's Cyclically Adjusted PS Ratio is ranked worse than 54% of 413
companies
in the Insurance industry
Industry Median: 1.23
vs DFM:DNIR: 1.35
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.
Dubai National Insurance & Reinsurance PSC's adjusted revenue per share data for the three months ended in Mar. 2026 was د.إ1.052. 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.إ2.23 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) 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.
Dubai National Insurance & Reinsurance PSC Cyclically Adjusted PS Ratio Related Terms
Dubai National Insurance & Reinsurance PSC Cyclically Adjusted PS Ratio Historical Data
* 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 PS Ratio Chart
Dubai National Insurance & Reinsurance PSC Annual Data
DFM:DNIR vs BRK.A, AIG, HIG: Cyclically Adjusted PS Ratio Comparison
For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.
Dubai National Insurance & Reinsurance PSC Cyclically Adjusted PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted PS Ratio falls into.
Dubai National Insurance & Reinsurance 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.
* 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 PS Ratio of 1.35 mean?
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) has a Cyclically Adjusted PS Ratio of 1.35 as of Jul. 07, 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 Dubai National Insurance & Reinsurance PSC and its competitors. This is 55% below median its historical median of 3.03. Over the past decade, Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted PS Ratio has ranged from 1.30 to 5.03. According to the industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #223 out of 413 companies in the Insurance industry, placing it in the top 54%.
Is Dubai National Insurance & Reinsurance PSC's Cyclically Adjusted PS Ratio too high?
Dubai National Insurance & Reinsurance PSC's current Cyclically Adjusted PS Ratio of 1.35 is 55% below median its 10-year median of 3.03. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 5.03. The Insurance industry median Cyclically Adjusted PS Ratio is 1.23. Dubai National Insurance & Reinsurance PSC's value of 1.35 is 9.8% above this industry median. Based on the distribution chart, Dubai National Insurance & Reinsurance PSC ranks #223 out of 413 companies in the Insurance industry, which is below the industry midpoint. Overall, Dubai National Insurance & Reinsurance PSC has a GF Score™ of 77/100 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 PS Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #223 out of 413 companies for Cyclically Adjusted PS Ratio. This places Dubai National Insurance & Reinsurance PSC in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.23. Dubai National Insurance & Reinsurance PSC's value of 1.35 is 9.8% above this benchmark. Historically, Dubai National Insurance & Reinsurance PSC's own Cyclically Adjusted PS Ratio has ranged from 1.30 to 5.03 over the past decade. While the company's 10-year median is 3.03 vs. the industry median of 1.23, Dubai National Insurance & Reinsurance PSC has consistently been above 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 1.23, based on 413 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. Dubai National Insurance & Reinsurance PSC's current Cyclically Adjusted PS Ratio of 1.35 is 9.8% above 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 Dubai National Insurance & Reinsurance PSC and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai National Insurance & Reinsurance PSC's current Cyclically Adjusted PS Ratio is 1.35, which is 55% below median its own 10-year median of 3.03. 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.إ5.91, compared to a current price of د.إ3.00 — trading 49.2% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.35, which is 55% below median its 10-year median of 3.03 and 9.8% above the Insurance industry median of 1.23. Dubai National Insurance & Reinsurance PSC's overall GF Score™ is 77/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Dubai National Insurance & Reinsurance PSC (DFM:DNIR), the current Cyclically Adjusted PS Ratio is 1.35 as of Jul. 07, 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.إ5.91.
GuruFocus considers Dubai National Insurance & Reinsurance PSC to be Significantly Undervalued.
Key valuation signals for DFM:DNIR:
Cyclically Adjusted PS Ratio: 1.35 (55% below median its 10-year median of 3.03)
GF Value™: د.إ5.91 vs. price of د.إ3.00 (49.2% below fair value)
Industry Position: 9.8% above the Insurance median (#223 of 413)
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
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.
77GF Score
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