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Al Dhafra Insurance Co PSCADX:DHAFRA 46 PB Ratio is 1.41 as of Jul. 15, 2026, which is 31% above its 10-year median of 1.08. GuruFocus rates ADX:DHAFRA with a GF Score™ of 46/100 and a GF Value™ of د.إ5.63 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 498 Insurance companies, Al Dhafra Insurance Co PSC ranks worse than 50.6% on this metric.
Al Dhafra Insurance Co PSC stock PB Ratio (=1.41) is close to 5-year high of 1.48.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's PB Ratio or its related term are showing as below:
ADX:DHAFRA'
s PB Ratio Range Over the Past 10 Years
Min: 0.14 Med: 1.08 Max: 1.61
Current: 1.41
During the past 13 years, Al Dhafra Insurance Co PSC's highest PB Ratio was 1.61. The lowest was 0.14. And the median was 1.08.
ADX:DHAFRA's PB Ratio is ranked worse than 50.6% of 498
companies
in the Insurance industry
Industry Median: 1.4
vs ADX:DHAFRA: 1.41
During the past 12 months, Al Dhafra Insurance Co PSC's average Book Value Per Share Growth Rate was 7.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Al Dhafra Insurance Co PSC was 20.70% per year. The lowest was -8.20% per year. And the median was 6.00% per year.
Back to Basics: PB Ratio
Al Dhafra Insurance Co PSC (ADX:DHAFRA) 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 Dhafra Insurance Co PSC PB Ratio Related Terms
Al Dhafra Insurance Co PSC 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.
ADX:DHAFRA vs BRK.A, AIG, HIG: PB Ratio Comparison
For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC'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 Dhafra Insurance Co PSC PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC'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.
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a PB Ratio of 1.41 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 Dhafra Insurance Co PSC and its competitors. This is 31% above median its historical median of 1.08. Over the past decade, Al Dhafra Insurance Co PSC's PB Ratio has ranged from 0.14 to 1.61. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #252 out of 498 companies in the Insurance industry, placing it in the top 50.6%.
Is Al Dhafra Insurance Co PSC's PB Ratio too high?
Al Dhafra Insurance Co PSC's current PB Ratio of 1.41 is 31% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 1.61. The Insurance industry median PB Ratio is 1.40. Al Dhafra Insurance Co PSC's value of 1.41 is 0.7% above this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #252 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, Al Dhafra Insurance Co PSC has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Dhafra Insurance Co PSC's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #252 out of 498 companies for PB Ratio. This places Al Dhafra Insurance Co PSC in the lower half of its industry. The industry median PB Ratio is 1.40. Al Dhafra Insurance Co PSC's value of 1.41 is 0.7% above this benchmark. Historically, Al Dhafra Insurance Co PSC's own PB Ratio has ranged from 0.14 to 1.61 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.40, Al Dhafra Insurance Co PSC 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 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 Dhafra Insurance Co PSC's current PB Ratio of 1.41 is 0.7% 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 Al Dhafra Insurance Co PSC 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 Dhafra Insurance Co PSC's current PB Ratio is 1.41, which is 31% above median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Dhafra Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC (ADX:DHAFRA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ5.63, compared to a current price of د.إ7.79 — trading 38.4% above its estimated fair value. The current PB Ratio is 1.41, which is 31% above median its 10-year median of 1.08 and 0.7% above the Insurance industry median of 1.40. Al Dhafra Insurance Co PSC's overall GF Score™ is 46/100 with 10 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 Dhafra Insurance Co PSC (ADX:DHAFRA), the current PB Ratio is 1.41 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 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:
PB Ratio: 1.41 (31% above median its 10-year median of 1.08)
GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
Industry Position: 0.7% above the Insurance median (#252 of 498)
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 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
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