Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Takaful Al EmaratDFM:TAKAFUL-EM 63 Median PS Value is د.إ1.86 as of Jul. 21, 2026, which is 100% below its 10-year median of 0.77. GuruFocus rates DFM:TAKAFUL-EM with a GF Score™ of 63/100 and a GF Value™ of د.إ1.82 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 342 Insurance companies, Takaful Al Emarat ranks better than 69.01% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Takaful Al Emarat's Median PS Value or its related term are showing as below:
DFM:TAKAFUL-EM'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.37 Med: 0.77 Max: 1.51
Current: 0.81
During the past 13 years, the highest Price to Median PS Value of Takaful Al Emarat was 1.51. The lowest was 0.37. And the median was 0.77.
DFM:TAKAFUL-EM's Price-to-Median-PS-Value is ranked better than 69.01% of 342
companies
in the Insurance industry
Industry Median: 1.025
vs DFM:TAKAFUL-EM: 0.81
Takaful Al Emarat (DFM:TAKAFUL-EM) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Takaful Al Emarat's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1.50
/
1.86
=
0.81
* 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 Median PS Value Related Terms
Takaful Al Emarat Median PS Value Historical Data
* Premium members only.
The historical data trend for Takaful Al Emarat's Median PS Value 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.
DFM:TAKAFUL-EM vs FNF, AXS, FAF: Median PS Value Comparison
For the Insurance - Specialty subindustry, Takaful Al Emarat's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Takaful Al Emarat's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Takaful Al Emarat's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.5619.
Takaful Al Emarat's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was د.إ3.31.
* 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 (DFM:TAKAFUL-EM) has a Median PS Value of د.إ1.86 as of Jul. 21, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Takaful Al Emarat and its competitors. This is 87% below median its historical median of 0.77. Over the past decade, Takaful Al Emarat's Median PS Value has ranged from 0.37 to 1.51. According to the industry distribution chart, Takaful Al Emarat ranks #106 out of 342 companies in the Insurance industry, placing it in the top 31%.
Is Takaful Al Emarat's Median PS Value too high?
Takaful Al Emarat's current Median PS Value of د.إ1.86 is 87% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.51. Based on the distribution chart, Takaful Al Emarat ranks #106 out of 342 companies in the Insurance industry, which is above the industry midpoint. Overall, Takaful Al Emarat has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's Median PS Value compare to FNF and AXS?
According to the Insurance industry distribution chart, Takaful Al Emarat ranks #106 out of 342 companies for Median PS Value. This puts Takaful Al Emarat in the upper half of its industry. The industry median Median PS Value is 1.03. Historically, Takaful Al Emarat's own Median PS Value has ranged from 0.37 to 1.51 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 Median PS Value for an Insurance company?
The median Median PS Value among Insurance companies is 1.03, based on 342 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Takaful Al Emarat and its competitors. For the Insurance industry, the median Median PS Value is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Takaful Al Emarat's current Median PS Value is د.إ1.86, which is 87% below median its own 10-year median of 0.77. 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 Modestly Undervalued. The stock's GF Value™ is د.إ1.82, compared to a current price of د.إ1.50 — trading 17.6% below its estimated fair value. The current Median PS Value is د.إ1.86, which is 87% below median its 10-year median of 0.77. Takaful Al Emarat's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Takaful Al Emarat (DFM:TAKAFUL-EM), the current Median PS Value is د.إ1.86 as of Jul. 21, 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.إ1.50 is trading 17.6% below its estimated GF Value™ of د.إ1.82.
GuruFocus considers Takaful Al Emarat to be Modestly Undervalued.
Key valuation signals for DFM:TAKAFUL-EM:
Median PS Value: د.إ1.86 (87% below median its 10-year median of 0.77)
GF Value™: د.إ1.82 vs. price of د.إ1.50 (17.6% below fair value)
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 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.
63GF Score
Get the complete analysis for DFM:TAKAFUL-EM
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DFM:TAKAFUL-EM has been successfully added to your 
