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Al Dhafra Insurance Co PSCADX:DHAFRA 46 Interest Coverage is 216.79 as of Mar. 2026, which is 102% above its 10-year median of 107.13. GuruFocus rates ADX:DHAFRA with a GF Score™ of 46/100 and a GF Value™ of د.إ5.63 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 351 Insurance companies, Al Dhafra Insurance Co PSC ranks better than 79.77% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Al Dhafra Insurance Co PSC's
EBIT
for the
three
months ended in Mar. 2026 was د.إ23.0 Mil. Al Dhafra Insurance Co PSC's Interest Expense for the
three
months ended in Mar. 2026 was د.إ-0.1 Mil.
Al Dhafra Insurance Co PSC's interest coverage for the quarter that ended in Mar. 2026 was 216.79.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Al Dhafra Insurance Co PSC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's Interest Coverage or its related term are showing as below:
ADX:DHAFRA'
s Interest Coverage Range Over the Past 10 Years
Min: 2.58 Med: 107.13 Max: 210.14
Current: 98.57
ADX:DHAFRA's Interest Coverage is ranked better than 79.77% of 351
companies
in the Insurance industry
Industry Median: 16.06
vs ADX:DHAFRA: 98.57
Al Dhafra Insurance Co PSC (ADX:DHAFRA) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Al Dhafra Insurance Co PSC Interest Coverage Related Terms
Al Dhafra Insurance Co PSC Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Al Dhafra Insurance Co PSC Interest Coverage Chart
ADX:DHAFRA vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Dhafra Insurance Co PSC Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC's Interest Coverage falls into.
Al Dhafra Insurance Co PSC Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Dhafra Insurance Co PSC (ADX:DHAFRA) has a Interest Coverage of 216.79 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Al Dhafra Insurance Co PSC and its competitors. This is 102% above median its historical median of 107.13. Over the past decade, Al Dhafra Insurance Co PSC's Interest Coverage has ranged from 2.58 to 210.14. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #71 out of 351 companies in the Insurance industry, placing it in the top 20.2%.
Is Al Dhafra Insurance Co PSC's Interest Coverage too high?
Al Dhafra Insurance Co PSC's current Interest Coverage of 216.79 is 102% above median its 10-year median of 107.13. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 210.14. The Insurance industry median Interest Coverage is 16.06. Al Dhafra Insurance Co PSC's value of 216.79 is 1249.9% above this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #71 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Al Dhafra Insurance Co PSC has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Dhafra Insurance Co PSC's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #71 out of 351 companies for Interest Coverage. This places Al Dhafra Insurance Co PSC in the top 20% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.06. Al Dhafra Insurance Co PSC's value of 216.79 is 1249.9% above this benchmark. Historically, Al Dhafra Insurance Co PSC's own Interest Coverage has ranged from 2.58 to 210.14 over the past decade. While the company's 10-year median is 107.13 vs. the industry median of 16.06, Al Dhafra Insurance Co PSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.06, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Dhafra Insurance Co PSC's current Interest Coverage of 216.79 is 1249.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Al Dhafra Insurance Co PSC and its competitors. For the Insurance industry, the median Interest Coverage is 16.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Dhafra Insurance Co PSC's current Interest Coverage is 216.79, which is 102% above median its own 10-year median of 107.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Dhafra Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC (ADX:DHAFRA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ5.63, compared to a current price of د.إ7.79 — trading 38.4% above its estimated fair value. The current Interest Coverage is 216.79, which is 102% above median its 10-year median of 107.13 and 1249.9% above the Insurance industry median of 16.06. Al Dhafra Insurance Co PSC's overall GF Score™ is 46/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current Interest Coverage is 216.79 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 Al Dhafra Insurance Co PSC (ADX:DHAFRA) Overvalued in 2026?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC stock appears to be overvalued.
The current stock price of د.إ7.79 is trading 38.4% above its estimated GF Value™ of د.إ5.63.
GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.
Key valuation signals for ADX:DHAFRA:
Interest Coverage: 216.79 (102% above median its 10-year median of 107.13)
GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
Industry Position: 1249.9% above the Insurance median (#71 of 351)
No single metric tells the full story. See the ADX:DHAFRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Dhafra Insurance Co PSC is a direct Insurer in the U.A.E. market, underwriting both Life and Non-Life business. The classes of business underwritten by the company are Fire & General Accident; Contract Works and Contractor's Plant & Equipment; Electronic Equipment & Machinery Breakdown; Workmen's Compensation & Employer's Liability; Public Liability, Medical Malpractice and other Professional Indemnity risks; Marine Cargo, Marine Hull & Pleasure Craft; Oil & Gas on and offshore operations; Personal Accident, Medical & Life; Visit visa and House maid policies; and Motor. It operates in two segments namely Underwriting of general insurance business that incorporates all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous, and Investments.
46GF Score
Get the complete analysis for ADX:DHAFRA
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