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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's Debt-to-EBITDA or its related term are showing as below:
ADX:DHAFRA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.09 Med: 0.11 Max: 0.25
Current: 0.14
During the past 13 years, the highest Debt-to-EBITDA Ratio of Al Dhafra Insurance Co PSC was 0.25. The lowest was 0.09. And the median was 0.11.
ADX:DHAFRA's Debt-to-EBITDA is ranked better than 85.62% of 320
companies
in the Insurance industry
Industry Median: 1.235
vs ADX:DHAFRA: 0.14
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Al Dhafra Insurance Co PSC Debt-to-EBITDA Related Terms
Al Dhafra Insurance Co PSC Debt-to-EBITDA 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.
ADX:DHAFRA vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Dhafra Insurance Co PSC Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a Debt-to-EBITDA of 0.07 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Al Dhafra Insurance Co PSC. This is 36% below median its historical median of 0.11. Over the past decade, Al Dhafra Insurance Co PSC's Debt-to-EBITDA has ranged from 0.09 to 0.25. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #46 out of 320 companies in the Insurance industry, placing it in the top 14.4%.
Is Al Dhafra Insurance Co PSC's Debt-to-EBITDA too high?
Al Dhafra Insurance Co PSC's current Debt-to-EBITDA of 0.07 is 36% below median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.25. The Insurance industry median Debt-to-EBITDA is 1.24. Al Dhafra Insurance Co PSC's value of 0.07 is 94.3% below this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #46 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Al Dhafra Insurance Co PSC has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Dhafra Insurance Co PSC's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #46 out of 320 companies for Debt-to-EBITDA. This places Al Dhafra Insurance Co PSC in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.24. Al Dhafra Insurance Co PSC's value of 0.07 is 94.3% below this benchmark. Historically, Al Dhafra Insurance Co PSC's own Debt-to-EBITDA has ranged from 0.09 to 0.25 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 1.24, Al Dhafra 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Dhafra Insurance Co PSC's current Debt-to-EBITDA of 0.07 is 94.3% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Al Dhafra Insurance Co PSC. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Dhafra Insurance Co PSC's current Debt-to-EBITDA is 0.07, which is 36% below median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Dhafra Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC (ADX:DHAFRA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ5.69, compared to a current price of د.إ8.95 — trading 57.3% above its estimated fair value. The current Debt-to-EBITDA is 0.07, which is 36% below median its 10-year median of 0.11 and 94.3% below the Insurance industry median of 1.24. Al Dhafra Insurance Co PSC's overall GF Score™ is 46/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current Debt-to-EBITDA is 0.07 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 Al Dhafra Insurance Co PSC (ADX:DHAFRA) Overvalued in 2026?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC stock appears to be overvalued.
The current stock price of د.إ8.95 is trading 57.3% above its estimated GF Value™ of د.إ5.69.
GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.
Key valuation signals for ADX:DHAFRA:
Debt-to-EBITDA: 0.07 (36% below median its 10-year median of 0.11)
GF Value™: د.إ5.69 vs. price of د.إ8.95 (57.3% above fair value)
Industry Position: 94.3% below the Insurance median (#46 of 320)
No single metric tells the full story. See the ADX:DHAFRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Dhafra Insurance Co PSC is a direct Insurer in the U.A.E. market, underwriting both Life and Non-Life business. The classes of business underwritten by the company are Fire & General Accident; Contract Works and Contractor's Plant & Equipment; Electronic Equipment & Machinery Breakdown; Workmen's Compensation & Employer's Liability; Public Liability, Medical Malpractice and other Professional Indemnity risks; Marine Cargo, Marine Hull & Pleasure Craft; Oil & Gas on and offshore operations; Personal Accident, Medical & Life; Visit visa and House maid policies; and Motor. It operates in two segments namely Underwriting of general insurance business that incorporates all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous, and Investments.
46GF Score
Get the complete analysis for ADX:DHAFRA
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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