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HAYAH Insurance Co PJSCADX:HAYAH -3.17%63 PB Ratio is 1.91 as of Jul. 26, 2026, which is 74% above its 10-year median of 1.10. GuruFocus rates ADX:HAYAH with a GF Score™ of 63/100 and a GF Value™ of د.إ1.83 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 500 Insurance companies, HAYAH Insurance Co PJSC ranks worse than 65.4% on this metric.
HAYAH Insurance Co PJSC stock PB Ratio (=1.91) is close to 1-year low of 1.83.
The historical rank and industry rank for HAYAH Insurance Co PJSC's PB Ratio or its related term are showing as below:
ADX:HAYAH'
s PB Ratio Range Over the Past 10 Years
Min: 0.54 Med: 1.1 Max: 3.07
Current: 1.91
During the past 13 years, HAYAH Insurance Co PJSC's highest PB Ratio was 3.07. The lowest was 0.54. And the median was 1.10.
ADX:HAYAH's PB Ratio is ranked worse than 65.4% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs ADX:HAYAH: 1.91
During the past 12 months, HAYAH Insurance Co PJSC's average Book Value Per Share Growth Rate was 2.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -1.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of HAYAH Insurance Co PJSC was 68.00% per year. The lowest was -29.00% per year. And the median was 0.20% per year.
Back to Basics: PB Ratio
HAYAH Insurance Co PJSC (ADX:HAYAH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where HAYAH Insurance Co PJSC's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
HAYAH Insurance Co PJSC (ADX:HAYAH) has a PB Ratio of 1.91 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on HAYAH Insurance Co PJSC and its competitors. This is 74% above median its historical median of 1.10. Over the past decade, HAYAH Insurance Co PJSC's PB Ratio has ranged from 0.54 to 3.07. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #327 out of 500 companies in the Insurance industry, placing it in the top 65.4%.
Is HAYAH Insurance Co PJSC's PB Ratio too high?
HAYAH Insurance Co PJSC's current PB Ratio of 1.91 is 74% above median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 3.07. The Insurance industry median PB Ratio is 1.40. HAYAH Insurance Co PJSC's value of 1.91 is 36.9% above this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #327 out of 500 companies in the Insurance industry, which is below the industry midpoint. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #327 out of 500 companies for PB Ratio. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median PB Ratio is 1.40. HAYAH Insurance Co PJSC's value of 1.91 is 36.9% above this benchmark. Historically, HAYAH Insurance Co PJSC's own PB Ratio has ranged from 0.54 to 3.07 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.40, HAYAH Insurance Co PJSC 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HAYAH Insurance Co PJSC's current PB Ratio of 1.91 is 36.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on HAYAH Insurance Co PJSC and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HAYAH Insurance Co PJSC's current PB Ratio is 1.91, which is 74% above median its own 10-year median of 1.10. 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 Significantly Undervalued. The stock's GF Value™ is د.إ1.83, compared to a current price of د.إ1.22 — trading 33.3% below its estimated fair value. The current PB Ratio is 1.91, which is 74% above median its 10-year median of 1.10 and 36.9% above the Insurance industry median of 1.40. HAYAH Insurance Co PJSC'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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For HAYAH Insurance Co PJSC (ADX:HAYAH), the current PB Ratio is 1.91 as of Jul. 26, 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 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.إ1.22 is trading 33.3% below its estimated GF Value™ of د.إ1.83.
GuruFocus considers HAYAH Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:HAYAH:
PB Ratio: 1.91 (74% above median its 10-year median of 1.10)
GF Value™: د.إ1.83 vs. price of د.إ1.22 (33.3% below fair value)
Industry Position: 36.9% above the Insurance median (#327 of 500)
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
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