Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)

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ADX:ALAIN Al Ain Ahlia Insurance Co PSC ADX:ALAIN
67 GF Score
Price د.إ31.50
GF Value د.إ61.74
! 3 Warning Signs
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What is Al Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt %?

Al Ain Ahlia Insurance Co PSC ADX:ALAIN 67 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates ADX:ALAIN with a GF Score™ of 67/100 and a GF Value™ of د.إ61.74. The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Al Ain Ahlia Insurance Co PSC's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was د.إ45.0 Mil. Al Ain Ahlia Insurance Co PSC's average total debt for the quarter that ended in Dec. 2025 was د.إ0.0 Mil. Therefore, Al Ain Ahlia Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was N/A%.


Al Ain Ahlia Insurance Co PSC  (ADX:ALAIN) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Al Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt % Related Terms


Al Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % 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 Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt % Chart

Al Ain Ahlia Insurance Co PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Al Ain Ahlia Insurance Co PSC Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % 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 0.00 0.00 0.00 0.00 0.00

ADX:ALAIN vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % falls into.


ADX:ALAIN
67GF Score
Al Ain Ahlia Insurance Co PSC ADX:ALAIN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Al Ain Ahlia Insurance Co PSC Effective Interest Rate on Debt % Calculation

Al Ain Ahlia Insurance Co PSC's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -45.025/( (0+0)/ 1 )
=-1  *  -45.025/0
=N/A %

where

Al Ain Ahlia Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -45.025/( (0+0)/ 1 )
=-1  *  -45.025/0
=N/A %

where

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a Effective Interest Rate on Debt % of 0.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors.
Is Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % too high?
Al Ain Ahlia Insurance Co PSC's current Effective Interest Rate on Debt % is 0.00%. Overall, Al Ain Ahlia Insurance Co PSC has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Al Ain Ahlia Insurance Co PSC's Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. Al Ain Ahlia Insurance Co PSC's current Effective Interest Rate on Debt % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ain Ahlia Insurance Co PSC stock overvalued right now?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a current Effective Interest Rate on Debt % of 0.00%. The stock's GF Value™ is د.إ61.74, compared to a current price of د.إ31.50 — trading 49% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Al Ain Ahlia Insurance Co PSC's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Al Ain Ahlia Insurance Co PSC (ADX:ALAIN), the current Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. 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 Ain Ahlia Insurance Co PSC (ADX:ALAIN) Overvalued in 2026?

Based on GuruFocus' analysis, Al Ain Ahlia Insurance Co PSC stock appears to be undervalued. The current stock price of د.إ31.50 is trading 49% below its estimated GF Value™ of د.إ61.74.

Key valuation signals for ADX:ALAIN:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: د.إ61.74 vs. price of د.إ31.50 (49% below fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Al Ain Ahlia Insurance Co PSC Business Description

Address Airport Road, P.O. Box 3077, Al Ain Insurance Company Building, Behind Al Jazira Sports Club, Abu Dhabi, ARE
Al Ain Ahlia Insurance Co PSC is an Abu Dhabi-based insurance company providing a range of insurance products and services including motor, engineering, health, property, marine, energy, and aviation insurance as well as reinsurance solutions. The company operates its business in two segments: Underwriting of General Insurance Business and Investments, out of which the company derives majority of its revenue from the Underwriting of General Insurance business in the form of insurance contracts and commission income incorporating all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous.
67GF Score

Get the complete analysis for ADX:ALAIN

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ31.50
Price
د.إ61.74
GF Value