Takaful Al Emarat (DFM:TAKAFUL-EM) Effective Interest Rate on Debt %: 0.00% (As of Mar. 2026)

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DFM:TAKAFUL-EM Takaful Al Emarat DFM:TAKAFUL-EM
62 GF Score
Price د.إ1.68
GF Value د.إ1.81
Valuation Fairly Valued
! 3 Warning Signs
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What is Takaful Al Emarat Effective Interest Rate on Debt %?

Takaful Al Emarat DFM:TAKAFUL-EM 62 Effective Interest Rate on Debt % is 0.00% as of Mar. 2026. GuruFocus rates DFM:TAKAFUL-EM with a GF Score™ of 62/100 and a GF Value™ of د.إ1.81 (Fairly Valued). 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. Takaful Al Emarat's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was د.إ0.0 Mil. Takaful Al Emarat's average total debt for the quarter that ended in Mar. 2026 was د.إ3.3 Mil. Therefore, Takaful Al Emarat's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 0.00%.


Takaful Al Emarat  (DFM:TAKAFUL-EM) Effective Interest Rate on Debt % Explanation

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


Takaful Al Emarat Effective Interest Rate on Debt % Related Terms


Takaful Al Emarat Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Takaful Al Emarat'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.

Takaful Al Emarat Effective Interest Rate on Debt % Chart

Takaful Al Emarat 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 23.51 20.31 2.15 0.00 244.97

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
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

DFM:TAKAFUL-EM vs FNF, AXS, FAF: Effective Interest Rate on Debt % Comparison

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


Takaful Al Emarat Effective Interest Rate on Debt % vs Insurance Industry

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

* The bar in red indicates where Takaful Al Emarat's Effective Interest Rate on Debt % falls into.


DFM:TAKAFUL-EM
62GF Score
Takaful Al Emarat DFM:TAKAFUL-EM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Takaful Al Emarat Effective Interest Rate on Debt % Calculation

Takaful Al Emarat'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  *  -8.008/( (0+3.269)/ 1 )
=-1  *  -8.008/3.269
=244.97 %

where

Takaful Al Emarat'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  *  0/( (3.269+3.302)/ 2 )
=-1  *  0/3.2855
=0.00 %

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 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 0.00% mean?
Takaful Al Emarat (DFM:TAKAFUL-EM) has a Effective Interest Rate on Debt % of 0.00% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Takaful Al Emarat and its competitors.
Is Takaful Al Emarat's Effective Interest Rate on Debt % too high?
Takaful Al Emarat's current Effective Interest Rate on Debt % is 0.00%. Overall, Takaful Al Emarat has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's Effective Interest Rate on Debt % compare to FNF and AXS?
Takaful Al Emarat'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 Takaful Al Emarat and its competitors. Takaful Al Emarat'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 Takaful Al Emarat stock overvalued right now?
Based on GuruFocus' analysis, Takaful Al Emarat (DFM:TAKAFUL-EM) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.68 — trading 7.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 0.00%. Takaful Al Emarat's overall GF Score™ is 62/100 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 Takaful Al Emarat (DFM:TAKAFUL-EM), the current Effective Interest Rate on Debt % is 0.00% 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.إ1.68 is trading 7.2% below its estimated GF Value™ of د.إ1.81. GuruFocus considers Takaful Al Emarat to be Fairly Valued.

Key valuation signals for DFM:TAKAFUL-EM:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: د.إ1.81 vs. price of د.إ1.68 (7.2% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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.
62GF Score

Get the complete analysis for DFM:TAKAFUL-EM

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

د.إ1.68
Price
د.إ1.81
GF Value