Dubai National Insurance & Reinsurance PSC (DFM:DNIR) Debt-to-EBITDA : N/A (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DFM:DNIR Dubai National Insurance & Reinsurance PSC DFM:DNIR
77 GF Score
Price د.إ3.25
GF Value د.إ5.94
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Dubai National Insurance & Reinsurance PSC's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was د.إ0.0 Mil. Dubai National Insurance & Reinsurance PSC's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was د.إ0.0 Mil. Dubai National Insurance & Reinsurance PSC's annualized EBITDA for the quarter that ended in Mar. 2026 was د.إ0.0 Mil.

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 Dubai National Insurance & Reinsurance PSC's Debt-to-EBITDA or its related term are showing as below:

DFM:DNIR's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19
* Ranked among companies with meaningful Debt-to-EBITDA only.

Dubai National Insurance & Reinsurance PSC  (DFM:DNIR) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA Related Terms

Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Dubai National Insurance & Reinsurance PSC's Debt-to-EBITDA 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.

Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA Chart

Dubai National Insurance & Reinsurance PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

Dubai National Insurance & Reinsurance PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA 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 N/A N/A N/A N/A N/A

DFM:DNIR vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.

Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Dubai National Insurance & Reinsurance PSC's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Dubai National Insurance & Reinsurance PSC's Debt-to-EBITDA falls into.


DFM:DNIR
77GF Score
Dubai National Insurance & Reinsurance PSC DFM:DNIR
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai National Insurance & Reinsurance PSC Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Dubai National Insurance & Reinsurance PSC's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / N/A
=N/A

Dubai National Insurance & Reinsurance PSC's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / 0
=N/A

* 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.

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.إ3.25 is trading 45.3% below its estimated GF Value™ of د.إ5.94. GuruFocus considers Dubai National Insurance & Reinsurance PSC to be Significantly Undervalued.

Key valuation signals for DFM:DNIR:

  • Debt-to-EBITDA: N/A
  • GF Value™: د.إ5.94 vs. price of د.إ3.25 (45.3% below fair value)
  • GF Score™: 77/100 with 1 warning sign

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

Address Sheikh Zayed road, P.O. Box: 1806, 3rd Floor, Dubai National Insurance Building, Next to Mazaya Center, Behind Coca Cola Arena, Dubai, ARE
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

Get the complete analysis for DFM:DNIR

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ3.25
Price
د.إ5.94
GF Value