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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Al Ain Ahlia Insurance Co PSC's Graham Number or its related term are showing as below:
ADX:ALAIN'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.32 Med: 0.5 Max: 0.65
Current: 0.5
During the past 13 years, the highest Price to Graham Number ratio of Al Ain Ahlia Insurance Co PSC was 0.65. The lowest was 0.32. And the median was 0.50.
ADX:ALAIN's Price-to-Graham-Number is not ranked
in the Insurance industry.
Industry Median: 0.92
vs ADX:ALAIN: 0.50
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Al Ain Ahlia Insurance Co PSC's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
31.50
/
62.56
=
0.50
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Al Ain Ahlia Insurance Co PSC Graham Number Related Terms
Al Ain Ahlia Insurance Co PSC Graham Number Historical Data
* 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.
ADX:ALAIN vs BRK.A, AIG, HIG: Graham Number Comparison
For the Insurance - Diversified subindustry, Al Ain Ahlia Insurance Co PSC's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Ain Ahlia Insurance Co PSC's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Al Ain Ahlia Insurance Co PSC's Price-to-Graham-Number falls into.
* 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 (ADX:ALAIN) has a Graham Number of د.إ62.56 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. This is 24% above median its historical median of 0.50. Over the past decade, Al Ain Ahlia Insurance Co PSC's Graham Number has ranged from 0.32 to 0.65.
Is Al Ain Ahlia Insurance Co PSC's Graham Number too high?
Al Ain Ahlia Insurance Co PSC's current Graham Number of د.إ62.56 is 24% above median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.65. 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 Graham Number compare to BRK.A and AIG?
Al Ain Ahlia Insurance Co PSC's Graham Number of د.إ62.56 can be compared against companies in the Insurance industry. The industry median Graham Number is 0.92. Historically, Al Ain Ahlia Insurance Co PSC's own Graham Number has ranged from 0.32 to 0.65 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.92, based on 425 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. For the Insurance industry, the median Graham Number is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Ain Ahlia Insurance Co PSC's current Graham Number is د.إ62.56, which is 24% above median its own 10-year median of 0.50. 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 Graham Number of د.إ62.56. 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 Graham Number is د.إ62.56, which is 24% above median its 10-year median of 0.50. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Al Ain Ahlia Insurance Co PSC (ADX:ALAIN), the current Graham Number is د.إ62.56 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:
Graham Number: د.إ62.56 (24% above median its 10-year median of 0.50)
GF Value™: د.إ61.74 vs. price of د.إ31.50 (49% below fair value)
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 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
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