Takaful Al Emarat (DFM:TAKAFUL-EM) E10: د.إ-0.22 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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DFM:TAKAFUL-EM Takaful Al Emarat DFM:TAKAFUL-EM
63 GF Score
Price د.إ1.50
GF Value د.إ1.82
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Takaful Al Emarat E10?

Takaful Al Emarat DFM:TAKAFUL-EM 63 E10 is د.إ-0.22 as of Mar. 2026. GuruFocus rates DFM:TAKAFUL-EM with a GF Score™ of 63/100 and a GF Value™ of د.إ1.82 (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.

Takaful Al Emarat's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ-0.067. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ-0.22 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was -12.60% 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 Takaful Al Emarat was -12.60% per year. The lowest was -12.60% per year. And the median was -12.60% per year.

As of today (2026-07-21), Takaful Al Emarat's current stock price is د.إ1.50. Takaful Al Emarat's E10 for the quarter that ended in Mar. 2026 was د.إ-0.22. Takaful Al Emarat's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Takaful Al Emarat was 169.67. The lowest was 72.01. And the median was 89.66.


Takaful Al Emarat  (DFM:TAKAFUL-EM) 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.

During the past 13 years, the highest Shiller P/E Ratio of Takaful Al Emarat was 169.67. The lowest was 72.01. And the median was 89.66.


Be Aware

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


Takaful Al Emarat E10 Related Terms


Takaful Al Emarat E10 Historical Data

* Premium members only.

The historical data trend for Takaful Al Emarat'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.

Takaful Al Emarat E10 Chart

Takaful Al Emarat 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 0.04 -0.14 -0.14 -0.17 -0.20

Takaful Al Emarat 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 -0.16 -0.17 -0.16 -0.20 -0.22

DFM:TAKAFUL-EM vs FNF, AXS, FAF: E10 Comparison

For the Insurance - Specialty subindustry, Takaful Al Emarat'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.


Takaful Al Emarat Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Takaful Al Emarat's Shiller PE Ratio falls into.


DFM:TAKAFUL-EM
63GF Score
Takaful Al Emarat DFM:TAKAFUL-EM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Takaful Al Emarat 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, Takaful Al Emarat'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)
=-0.067/330.2130*330.2130
=-0.067

Current CPI (Mar. 2026) = 330.2130.

Takaful Al Emarat Quarterly Data

per share eps CPI Adj_EPS
201606 0.050 241.018 0.069
201609 0.094 241.428 0.129
201612 0.069 241.432 0.094
201703 0.014 243.801 0.019
201706 0.006 244.955 0.008
201709 0.008 246.819 0.011
201712 0.331 246.524 0.443
201803 0.039 249.554 0.052
201806 0.006 251.989 0.008
201809 0.121 252.439 0.158
201812 0.083 251.233 0.109
201903 0.006 254.202 0.008
201906 0.022 256.143 0.028
201909 -0.350 256.759 -0.450
201912 -0.400 256.974 -0.514
202003 -0.041 258.115 -0.052
202006 0.061 257.797 0.078
202009 0.102 260.280 0.129
202012 -0.108 260.474 -0.137
202103 -0.083 264.877 -0.103
202106 -0.047 271.696 -0.057
202109 0.025 274.310 0.030
202112 -0.019 278.802 -0.023
202203 -0.028 287.504 -0.032
202206 -0.124 296.311 -0.138
202209 -0.055 296.808 -0.061
202212 -1.600 296.797 -1.780
202303 -0.028 301.836 -0.031
202306 0.006 305.109 0.006
202309 -0.028 307.789 -0.030
202312 -0.198 306.746 -0.213
202403 -0.040 312.332 -0.042
202406 -0.019 314.175 -0.020
202409 0.042 315.301 0.044
202412 0.072 315.605 0.075
202503 -0.020 319.799 -0.021
202506 0.066 322.561 0.068
202509 0.060 324.800 0.061
202512 -0.033 324.054 -0.034
202603 -0.067 330.213 -0.067

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.إ-0.22 mean?
Takaful Al Emarat (DFM:TAKAFUL-EM) has a E10 of د.إ-0.22 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Takaful Al Emarat and its competitors.
Is Takaful Al Emarat's E10 too high?
Takaful Al Emarat's current E10 is د.إ-0.22. Overall, Takaful Al Emarat has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's E10 compare to FNF and AXS?
Takaful Al Emarat's E10 of د.إ-0.22 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 Takaful Al Emarat and its competitors. Takaful Al Emarat's current E10 is د.إ-0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Takaful Al Emarat stock overvalued right now?
Based on GuruFocus' analysis, Takaful Al Emarat (DFM:TAKAFUL-EM) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.82, compared to a current price of د.إ1.50 — trading 17.6% below its estimated fair value. The current E10 is د.إ-0.22. Takaful Al Emarat'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 Takaful Al Emarat (DFM:TAKAFUL-EM), the current E10 is د.إ-0.22 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 Takaful Al Emarat (DFM:TAKAFUL-EM) Overvalued in 2026?

Based on GuruFocus' analysis, Takaful Al Emarat stock appears to be undervalued. The current stock price of د.إ1.50 is trading 17.6% below its estimated GF Value™ of د.إ1.82. GuruFocus considers Takaful Al Emarat to be Modestly Undervalued.

Key valuation signals for DFM:TAKAFUL-EM:

  • E10: د.إ-0.22
  • GF Value™: د.إ1.82 vs. price of د.إ1.50 (17.6% below fair value)
  • GF Score™: 63/100 with 1 warning sign

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


Takaful Al Emarat Business Description

Address Sheikh Zayed Road, P.O. Box 57589, Office 102, 1st Floor, Hassanacore Building, Al Barsha 1, Dubai, ARE
Takaful Al Emarat is engaged in the insurance business in the United Arab Emirates. The company provides health insurance, life insurance, and credit and savings insurance. Under personal insurance, it provides level term plans, a decreasing term plan, takaful growth plan, whole life plan, educational plan, wealth plan, and Travel protection plan. The company is organized into two business segments: Takaful and Investment operations. The Takaful operations comprise the takaful business undertaken by the group on behalf of policyholders, and Investment operations comprise investments and cash management of its accounts.
63GF Score

Get the complete analysis for DFM:TAKAFUL-EM

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

د.إ1.50
Price
د.إ1.82
GF Value