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ADX:AWNIC's PB Ratio is ranked better than 90.96% of 498
companies
in the Insurance industry
Industry Median: 1.4
vs ADX:AWNIC: 0.50
During the past 12 months, Al Wathba National Insurance Co PJSC's average Book Value Per Share Growth Rate was 3.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Al Wathba National Insurance Co PJSC was 20.70% per year. The lowest was -8.20% per year. And the median was 5.50% per year.
Back to Basics: PB Ratio
Al Wathba National Insurance Co PJSC (ADX:AWNIC) 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.
Al Wathba National Insurance Co PJSC PB Ratio Related Terms
Al Wathba National Insurance Co PJSC PB Ratio 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.
Al Wathba National Insurance Co PJSC PB Ratio Chart
For the Insurance - Property & Casualty subindustry, Al Wathba National 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.
Al Wathba National Insurance Co PJSC PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's PB Ratio falls into.
Al Wathba National Insurance Co PJSC PB Ratio Calculation
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.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a PB Ratio of 0.50 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Al Wathba National Insurance Co PJSC and its competitors. This is 63% below median its historical median of 1.35. Over the past decade, Al Wathba National Insurance Co PJSC's PB Ratio has ranged from 0.49 to 3.21. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #45 out of 498 companies in the Insurance industry, placing it in the top 9%.
Is Al Wathba National Insurance Co PJSC's PB Ratio too high?
Al Wathba National Insurance Co PJSC's current PB Ratio of 0.50 is 63% below median its 10-year median of 1.35. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 3.21. The Insurance industry median PB Ratio is 1.40. Al Wathba National Insurance Co PJSC's value of 0.50 is 64.3% below this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #45 out of 498 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #45 out of 498 companies for PB Ratio. This places Al Wathba National Insurance Co PJSC in the top 9% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Al Wathba National Insurance Co PJSC's value of 0.50 is 64.3% below this benchmark. Historically, Al Wathba National Insurance Co PJSC's own PB Ratio has ranged from 0.49 to 3.21 over the past decade. While the company's 10-year median is 1.35 vs. the industry median of 1.40, Al Wathba National 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 498 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. Al Wathba National Insurance Co PJSC's current PB Ratio of 0.50 is 64.3% 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 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 Al Wathba National 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. Al Wathba National Insurance Co PJSC's current PB Ratio is 0.50, which is 63% below median its own 10-year median of 1.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.35, compared to a current price of د.إ2.99 — trading 59.3% below its estimated fair value. The current PB Ratio is 0.50, which is 63% below median its 10-year median of 1.35 and 64.3% below the Insurance industry median of 1.40. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 with 2 warning signs 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current PB Ratio is 0.50 as of Jul. 15, 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 Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ2.99 is trading 59.3% below its estimated GF Value™ of د.إ7.35.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
PB Ratio: 0.50 (63% below median its 10-year median of 1.35)
GF Value™: د.إ7.35 vs. price of د.إ2.99 (59.3% below fair value)
Industry Position: 64.3% below the Insurance median (#45 of 498)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Wathba National Insurance Co PJSC Business Description
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
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