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Al Dhafra Insurance Co PSCADX:DHAFRA 50 Debt-to-Equity is 0.01 as of Jun. 2026, which is at its 10-year median of 0.01. GuruFocus rates ADX:DHAFRA with a GF Score™ of 50/100 and a GF Value™ of د.إ6.00 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 399 Insurance companies, Al Dhafra Insurance Co PSC ranks better than 99.75% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's Debt-to-Equity or its related term are showing as below:
ADX:DHAFRA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.01 Max: 0.02
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Al Dhafra Insurance Co PSC was 0.02. The lowest was 0.01. And the median was 0.01.
ADX:DHAFRA's Debt-to-Equity is ranked better than 99.75% of 399
companies
in the Insurance industry
Industry Median: 0.21
vs ADX:DHAFRA: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Al Dhafra Insurance Co PSC Debt-to-Equity Related Terms
Al Dhafra Insurance Co PSC Debt-to-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC's Debt-to-Equity 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.
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a Debt-to-Equity of 0.01 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Al Dhafra Insurance Co PSC and its competitors. This is near median its historical median of 0.01. Over the past decade, Al Dhafra Insurance Co PSC's Debt-to-Equity has ranged from 0.01 to 0.02. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #1 out of 399 companies in the Insurance industry, placing it in the top 0.3%.
Is Al Dhafra Insurance Co PSC's Debt-to-Equity too high?
Al Dhafra Insurance Co PSC's current Debt-to-Equity of 0.01 is near median its 10-year median of 0.01. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.02. The Insurance industry median Debt-to-Equity is 0.21. Al Dhafra Insurance Co PSC's value of 0.01 is 95.2% below this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #1 out of 399 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 50/100 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-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #1 out of 399 companies for Debt-to-Equity. This places Al Dhafra Insurance Co PSC in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Al Dhafra Insurance Co PSC's value of 0.01 is 95.2% below this benchmark. Historically, Al Dhafra Insurance Co PSC's own Debt-to-Equity has ranged from 0.01 to 0.02 over the past decade. While the company's 10-year median is 0.01 vs. the industry median of 0.21, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 0.01 is 95.2% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Al Dhafra Insurance Co PSC and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — 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-Equity is 0.01, which is near median its own 10-year median of 0.01. 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.إ6.00, compared to a current price of د.إ8.95 — trading 49.2% above its estimated fair value. The current Debt-to-Equity is 0.01, which is near median its 10-year median of 0.01 and 95.2% below the Insurance industry median of 0.21. Al Dhafra Insurance Co PSC's overall GF Score™ is 50/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current Debt-to-Equity is 0.01 as of Jun. 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 49.2% above its estimated GF Value™ of د.إ6.00.
GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.
Key valuation signals for ADX:DHAFRA:
Debt-to-Equity: 0.01 (near median its 10-year median of 0.01)
GF Value™: د.إ6.00 vs. price of د.إ8.95 (49.2% above fair value)
Industry Position: 95.2% below the Insurance median (#1 of 399)
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.
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