Dubai Insurance Co PSC (DFM:DIN) Effective Interest Rate on Debt %: 362.65% (As of Mar. 2026)


DFM:DIN Dubai Insurance Co PSC DFM:DIN
75 GF Score
Price د.إ17.00
GF Value د.إ17.83
Valuation Fairly Valued
! 5 Warning Signs
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What is Dubai Insurance Co PSC Effective Interest Rate on Debt %?

Dubai Insurance Co PSC DFM:DIN 75 Effective Interest Rate on Debt % is 362.65% as of Mar. 2026. GuruFocus rates DFM:DIN with a GF Score™ of 75/100 and a GF Value™ of د.إ17.83 (Fairly Valued). The stock has 5 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. Dubai Insurance Co PSC's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was د.إ124 Mil. Dubai Insurance Co PSC's average total debt for the quarter that ended in Mar. 2026 was د.إ34 Mil. Therefore, Dubai Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 362.65%.


Dubai Insurance Co PSC  (DFM:DIN) Effective Interest Rate on Debt % Explanation

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


Dubai Insurance Co PSC Effective Interest Rate on Debt % Related Terms


Dubai Insurance Co PSC Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Dubai 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.

Dubai Insurance Co PSC Effective Interest Rate on Debt % Chart

Dubai 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 318.86 251.22 0.00 159.80 171.26

Dubai 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
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 442.16 203.68 95.61 139.92 362.65

DFM:DIN vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Dubai 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.


Dubai Insurance Co PSC Effective Interest Rate on Debt % vs Insurance Industry

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

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


DFM:DIN
75GF Score
Dubai Insurance Co PSC DFM:DIN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Dubai Insurance Co PSC Effective Interest Rate on Debt % Calculation

Dubai 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  *  -71.605/( (39.043+44.579)/ 2 )
=-1  *  -71.605/41.811
=171.26 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 39.043
=39.043

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 44.579
=44.579

Dubai Insurance Co PSC's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -123.748/( (44.579+23.668)/ 2 )
=-1  *  -123.748/34.1235
=362.65 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 44.579
=44.579

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=23.668 + 0
=23.668

* 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 four times the quarterly (Mar. 2026) 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 362.65% mean?
Dubai Insurance Co PSC (DFM:DIN) has a Effective Interest Rate on Debt % of 362.65% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Dubai Insurance Co PSC and its competitors.
Is Dubai Insurance Co PSC's Effective Interest Rate on Debt % too high?
Dubai Insurance Co PSC's current Effective Interest Rate on Debt % is 362.65%. Overall, Dubai Insurance Co PSC has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dubai Insurance Co PSC's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Dubai Insurance Co PSC's Effective Interest Rate on Debt % of 362.65% 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 Dubai Insurance Co PSC and its competitors. Dubai Insurance Co PSC's current Effective Interest Rate on Debt % is 362.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dubai Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Dubai Insurance Co PSC (DFM:DIN) is currently considered Fairly Valued. The stock's GF Value™ is د.إ17.83, compared to a current price of د.إ17.00 — trading 4.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 362.65%. Dubai Insurance Co PSC's overall GF Score™ is 75/100 with 5 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 Dubai Insurance Co PSC (DFM:DIN), the current Effective Interest Rate on Debt % is 362.65% 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 Dubai Insurance Co PSC (DFM:DIN) Overvalued in 2026?

Based on GuruFocus' analysis, Dubai Insurance Co PSC stock appears to be undervalued. The current stock price of د.إ17.00 is trading 4.7% below its estimated GF Value™ of د.إ17.83. GuruFocus considers Dubai Insurance Co PSC to be Fairly Valued.

Key valuation signals for DFM:DIN:

  • Effective Interest Rate on Debt %: 362.65%
  • GF Value™: د.إ17.83 vs. price of د.إ17.00 (4.7% below fair value)
  • GF Score™: 75/100 with 5 warning signs

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


Dubai Insurance Co PSC Business Description

Address 37 Al Riqqa Road, Deira, P.O. Box 3027, Al Muraqqabat, Deira, Dubai, ARE
Dubai Insurance Co PSC is an insurance company. The company issues short-term insurance contracts in connection with general insurance including motor, marine, fire, engineering, accident; and life insurance includes group life and individual life. The company operates in three segments: The Medical and life insurance segment offers short-term group health and life insurance. The Motor and general insurance segment comprises general and health insurance. Products offered under general insurance include motor, marine, fire, engineering, general accident, and medical. The company derives maximum revenue from Motor and general insurance segment.
75GF Score

Get the complete analysis for DFM:DIN

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

د.إ17.00
Price
د.إ17.83
GF Value