Al Dhafra Insurance Co PSC (ADX:DHAFRA) Moat Score: 0/10 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ADX:DHAFRA Al Dhafra Insurance Co PSC ADX:DHAFRA
46 GF Score
Price د.إ7.79
GF Value د.إ5.63
Valuation Significantly Overvalued
! 10 Warning Signs
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What is Al Dhafra Insurance Co PSC Moat Score?

Al Dhafra Insurance Co PSC has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Al Dhafra Insurance Co PSC has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Al Dhafra Insurance Co PSC might have No Moat - No discernible moat.

Al Dhafra Insurance Co PSC  (ADX:DHAFRA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Al Dhafra Insurance Co PSC Moat Score Related Terms

ADX:DHAFRA
46GF Score
Al Dhafra Insurance Co PSC ADX:DHAFRA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
  • GF Score™: 46/100 with 10 warning signs

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 Business Description

Address Zayed II Street, P.O. Box 319, Al Dhafra Insurance Company Building, Abu Dhabi, ARE
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ7.79
Price
د.إ5.63
GF Value