HAYAH Insurance Co PJSCADX:HAYAH 63 Net Margin % is 1.75% as of Dec. 2025, which is 64% above its 10-year median of 1.07. GuruFocus rates ADX:HAYAH with a GF Score™ of 63/100 and a GF Value™ of د.إ1.80 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, HAYAH Insurance Co PJSC ranks worse than 84.43% on this metric.
The historical rank and industry rank for HAYAH Insurance Co PJSC's Net Margin % or its related term are showing as below:
ADX:HAYAH'
s Net Margin % Range Over the Past 10 Years
Min: -52.51 Med: 1.07 Max: 12.6
Current: 1.76
ADX:HAYAH's Net Margin % is ranked worse than 84.43% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs ADX:HAYAH: 1.76
HAYAH Insurance Co PJSC (ADX:HAYAH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
HAYAH Insurance Co PJSC Net Margin % Related Terms
HAYAH Insurance Co PJSC Net Margin % 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.
For the Insurance - Life subindustry, HAYAH Insurance Co PJSC's Net Margin %, along with its competitors' market caps and Net Margin % 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.
HAYAH Insurance Co PJSC Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where HAYAH Insurance Co PJSC's Net Margin % 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.
HAYAH Insurance Co PJSC (ADX:HAYAH) has a Net Margin % of 1.75% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on HAYAH Insurance Co PJSC and its competitors. This is 64% above median its historical median of 1.07. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #423 out of 501 companies in the Insurance industry, placing it in the top 84.4%.
Is HAYAH Insurance Co PJSC's Net Margin % too high?
HAYAH Insurance Co PJSC's current Net Margin % of 1.75% is 64% above median its 10-year median of 1.07. The Insurance industry median Net Margin % is 9.29. HAYAH Insurance Co PJSC's value of 1.75% is 81.2% below this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #423 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #423 out of 501 companies for Net Margin %. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median Net Margin % is 9.29. HAYAH Insurance Co PJSC's value of 1.75% is 81.2% below this benchmark. While the company's 10-year median is 1.07 vs. the industry median of 9.29, HAYAH Insurance Co PJSC has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HAYAH Insurance Co PJSC's current Net Margin % of 1.75% is 81.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on HAYAH Insurance Co PJSC and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HAYAH Insurance Co PJSC's current Net Margin % is 1.75%, which is 64% above median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.80, compared to a current price of د.إ1.35 — trading 25% below its estimated fair value. The current Net Margin % is 1.75%, which is 64% above median its 10-year median of 1.07 and 81.2% below the Insurance industry median of 9.29. HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For HAYAH Insurance Co PJSC (ADX:HAYAH), the current Net Margin % is 1.75% 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ1.35 is trading 25% below its estimated GF Value™ of د.إ1.80.
GuruFocus considers HAYAH Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:HAYAH:
Net Margin %: 1.75% (64% above median its 10-year median of 1.07)
GF Value™: د.إ1.80 vs. price of د.إ1.35 (25% below fair value)
Industry Position: 81.2% below the Insurance median (#423 of 501)
No single metric tells the full story. See the ADX:HAYAH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score
Get the complete analysis for ADX:HAYAH
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:HAYAH has been successfully added to your 
