Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) E10: د.إ0.71 (As of Mar. 2026)


ADX:ADNIC Abu Dhabi National Insurance Co PJSC ADX:ADNIC
63 GF Score
Price د.إ7.18
GF Value د.إ8.76
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Abu Dhabi National Insurance Co PJSC E10?

Abu Dhabi National Insurance Co PJSC ADX:ADNIC -0.28% 63 E10 is د.إ0.71 as of Mar. 2026. GuruFocus rates ADX:ADNIC with a GF Score™ of 63/100 and a GF Value™ of د.إ8.76 (Modestly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Abu Dhabi National Insurance Co PJSC's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ0.170. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ0.71 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Abu Dhabi National Insurance Co PJSC's average E10 Growth Rate was 42.00% per year. During the past 3 years, the average E10 Growth Rate was 36.70% per year. During the past 5 years, the average E10 Growth Rate was 29.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Abu Dhabi National Insurance Co PJSC was 36.70% per year. The lowest was 19.50% per year. And the median was 25.10% per year.

As of today (2026-06-30), Abu Dhabi National Insurance Co PJSC's current stock price is د.إ7.18. Abu Dhabi National Insurance Co PJSC's E10 for the quarter that ended in Mar. 2026 was د.إ0.71. Abu Dhabi National Insurance Co PJSC's Shiller PE Ratio of today is 10.11.

During the past 13 years, the highest Shiller PE Ratio of Abu Dhabi National Insurance Co PJSC was 32.31. The lowest was 9.65. And the median was 21.74.


Abu Dhabi National Insurance Co PJSC  (ADX:ADNIC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Abu Dhabi National Insurance Co PJSC's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.18/0.71
=10.11

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Abu Dhabi National Insurance Co PJSC was 32.31. The lowest was 9.65. And the median was 21.74.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Abu Dhabi National Insurance Co PJSC E10 Related Terms


Abu Dhabi National Insurance Co PJSC E10 Historical Data

* Premium members only.

The historical data trend for Abu Dhabi National Insurance Co PJSC's E10 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.

Abu Dhabi National Insurance Co PJSC E10 Chart

Abu Dhabi National Insurance Co PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.24 0.27 0.29 0.47 0.69

Abu Dhabi National Insurance Co PJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.50 0.63 0.67 0.69 0.71

ADX:ADNIC vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, Abu Dhabi National Insurance Co PJSC's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Abu Dhabi National Insurance Co PJSC Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Abu Dhabi National Insurance Co PJSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Abu Dhabi National Insurance Co PJSC's Shiller PE Ratio falls into.


ADX:ADNIC
63GF Score
Abu Dhabi National Insurance Co PJSC ADX:ADNIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi National Insurance Co PJSC E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Abu Dhabi National Insurance Co PJSC's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.17/330.2130*330.2130
=0.170

Current CPI (Mar. 2026) = 330.2130.

Abu Dhabi National Insurance Co PJSC Quarterly Data

per share eps CPI Adj_EPS
201606 0.120 241.018 0.164
201609 0.060 241.428 0.082
201612 0.110 241.432 0.150
201703 0.130 243.801 0.176
201706 0.100 244.955 0.135
201709 0.090 246.819 0.120
201712 0.090 246.524 0.121
201803 0.170 249.554 0.225
201806 0.100 251.989 0.131
201809 0.120 252.439 0.157
201812 0.030 251.233 0.039
201903 0.090 254.202 0.117
201906 0.120 256.143 0.155
201909 0.130 256.759 0.167
201912 0.160 256.974 0.206
202003 0.220 258.115 0.281
202006 0.120 257.797 0.154
202009 0.160 260.280 0.203
202012 0.150 260.474 0.190
202103 0.230 264.877 0.287
202106 0.200 271.696 0.243
202109 0.150 274.310 0.181
202112 0.110 278.802 0.130
202203 0.150 287.504 0.172
202206 0.160 296.311 0.178
202209 0.150 296.808 0.167
202212 0.170 296.797 0.189
202303 0.170 301.836 0.186
202306 0.180 305.109 0.195
202309 0.170 307.789 0.182
202312 0.170 306.746 0.183
202403 0.180 312.332 0.190
202406 0.180 314.175 0.189
202409 0.180 315.301 0.189
202412 0.190 315.605 0.199
202503 0.200 319.799 0.207
202506 0.200 322.561 0.205
202509 0.210 324.800 0.213
202512 0.220 324.054 0.224
202603 0.170 330.213 0.170

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of د.إ0.71 mean?
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) has a E10 of د.إ0.71 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors.
Is Abu Dhabi National Insurance Co PJSC's E10 too high?
Abu Dhabi National Insurance Co PJSC's current E10 is د.إ0.71. Overall, Abu Dhabi National Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Insurance Co PJSC's E10 compare to BRK.A and AIG?
Abu Dhabi National Insurance Co PJSC's E10 of د.إ0.71 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. Abu Dhabi National Insurance Co PJSC's current E10 is د.إ0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ8.76, compared to a current price of د.إ7.18 — trading 18% below its estimated fair value. The current E10 is د.إ0.71. Abu Dhabi National Insurance Co PJSC's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Abu Dhabi National Insurance Co PJSC (ADX:ADNIC), the current E10 is د.إ0.71 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 Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC stock appears to be undervalued. The current stock price of د.إ7.18 is trading 18% below its estimated GF Value™ of د.إ8.76. GuruFocus considers Abu Dhabi National Insurance Co PJSC to be Modestly Undervalued.

Key valuation signals for ADX:ADNIC:

  • E10: د.إ0.71
  • GF Value™: د.إ8.76 vs. price of د.إ7.18 (18% below fair value)
  • GF Score™: 63/100 with 1 warning sign

No single metric tells the full story. See the ADX:ADNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi National Insurance Co PJSC Business Description

Address Mohamed Bin Khalifa Street, P.O. Box: 839, ADNIC Building No. 403, Al Danah, Zone 1, Abu Dhabi, ARE
Abu Dhabi National Insurance Co PJSC is engaged in the transaction of insurance and reinsurance business of all classes. The company is organized into two main business segments: Underwriting of commercial lines of business - incorporating all classes of general insurance including marine cargo, marine hull, aviation, energy, property and engineering; and Underwriting of consumer line of business - incorporating all classes of insurance including accident, life, motor and medical. The majority of revenue is derived from Underwriting of commercial lines of business segment.
63GF Score

Get the complete analysis for ADX:ADNIC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.18
Price
د.إ8.76
GF Value