Al Dhafra Insurance Co PSC (ADX:DHAFRA) E10: د.إ0.53 (As of Mar. 2026)

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ADX:DHAFRA Al Dhafra Insurance Co PSC ADX:DHAFRA
46 GF Score
Price د.إ7.79
GF Value د.إ5.63
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Al Dhafra Insurance Co PSC E10?

Al Dhafra Insurance Co PSC ADX:DHAFRA 46 E10 is د.إ0.53 as of Mar. 2026. GuruFocus rates ADX:DHAFRA with a GF Score™ of 46/100 and a GF Value™ of د.إ5.63 (Significantly Overvalued). The stock has 10 warning signs 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.

Al Dhafra Insurance Co PSC's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ0.230. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ0.53 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Al Dhafra Insurance Co PSC's average E10 Growth Rate was 51.40% per year. During the past 3 years, the average E10 Growth Rate was 11.70% per year. During the past 5 years, the average E10 Growth Rate was 4.50% 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 Al Dhafra Insurance Co PSC was 11.70% per year. The lowest was -2.60% per year. And the median was 0.00% per year.

As of today (2026-07-15), Al Dhafra Insurance Co PSC's current stock price is د.إ7.79. Al Dhafra Insurance Co PSC's E10 for the quarter that ended in Mar. 2026 was د.إ0.53. Al Dhafra Insurance Co PSC's Shiller PE Ratio of today is 14.70.

During the past 13 years, the highest Shiller PE Ratio of Al Dhafra Insurance Co PSC was 17.65. The lowest was 1.78. And the median was 12.11.


Al Dhafra Insurance Co PSC  (ADX:DHAFRA) 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.

Al Dhafra Insurance Co PSC's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.79/0.53
=14.70

* 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 Al Dhafra Insurance Co PSC was 17.65. The lowest was 1.78. And the median was 12.11.


Be Aware

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


Al Dhafra Insurance Co PSC E10 Related Terms


Al Dhafra Insurance Co PSC E10 Historical Data

* Premium members only.

The historical data trend for Al Dhafra Insurance Co PSC'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.

Al Dhafra Insurance Co PSC E10 Chart

Al Dhafra Insurance Co PSC 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 0.39 0.38 0.37 0.36 0.53

Al Dhafra Insurance Co PSC 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 0.35 0.36 0.42 0.53 0.53

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

For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC'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.


Al Dhafra Insurance Co PSC Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Al Dhafra Insurance Co PSC's Shiller PE Ratio falls into.


ADX:DHAFRA
46GF Score
Al Dhafra Insurance Co PSC ADX:DHAFRA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Dhafra Insurance Co PSC 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, Al Dhafra Insurance Co PSC'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)
=0.23/330.2130*330.2130
=0.230

Current CPI (Mar. 2026) = 330.2130.

Al Dhafra Insurance Co PSC Quarterly Data

per share eps CPI Adj_EPS
201606 0.120 241.018 0.164
201609 -0.080 241.428 -0.109
201612 -0.050 241.432 -0.068
201703 0.090 243.801 0.122
201706 0.110 244.955 0.148
201709 0.190 246.819 0.254
201712 0.130 246.524 0.174
201803 0.160 249.554 0.212
201806 0.180 251.989 0.236
201809 0.290 252.439 0.379
201812 -0.080 251.233 -0.105
201903 0.220 254.202 0.286
201906 0.190 256.143 0.245
201909 0.250 256.759 0.322
201912 0.060 256.974 0.077
202003 0.130 258.115 0.166
202006 0.190 257.797 0.243
202009 0.130 260.280 0.165
202012 0.090 260.474 0.114
202103 0.160 264.877 0.199
202106 0.080 271.696 0.097
202109 0.110 274.310 0.132
202112 0.040 278.802 0.047
202203 0.180 287.504 0.207
202206 -0.100 296.311 -0.111
202209 0.060 296.808 0.067
202212 0.070 296.797 0.078
202303 0.230 301.836 0.252
202306 0.160 305.109 0.173
202309 0.060 307.789 0.064
202312 -0.040 306.746 -0.043
202403 0.260 312.332 0.275
202406 0.070 314.175 0.074
202409 0.090 315.301 0.094
202412 -0.050 315.605 -0.052
202503 0.280 319.799 0.289
202506 0.100 322.561 0.102
202509 0.080 324.800 0.081
202512 0.030 324.054 0.031
202603 0.230 330.213 0.230

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.إ0.53 mean?
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a E10 of د.إ0.53 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Al Dhafra Insurance Co PSC and its competitors.
Is Al Dhafra Insurance Co PSC's E10 too high?
Al Dhafra Insurance Co PSC's current E10 is د.إ0.53. 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 E10 compare to BRK.A and AIG?
Al Dhafra Insurance Co PSC's E10 of د.إ0.53 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 Al Dhafra Insurance Co PSC and its competitors. Al Dhafra Insurance Co PSC's current E10 is د.إ0.53. 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.إ5.63, compared to a current price of د.إ7.79 — trading 38.4% above its estimated fair value. The current E10 is د.إ0.53. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current E10 is د.إ0.53 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.إ7.79 is trading 38.4% above its estimated GF Value™ of د.إ5.63. GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.

Key valuation signals for ADX:DHAFRA:

  • E10: د.إ0.53
  • GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
  • GF Score™: 46/100 with 10 warning signs

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 Business Description

Address Zayed II Street, P.O. Box 319, Al Dhafra Insurance Company Building, Abu Dhabi, ARE
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

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

د.إ7.79
Price
د.إ5.63
GF Value