Dubai National Insurance & Reinsurance PSC (DFM:DNIR) PB Ratio: 0.37 (As of Jun. 27, 2026) — 53% Below Median


DFM:DNIR Dubai National Insurance & Reinsurance PSC DFM:DNIR
77 GF Score
Price د.إ3.05
GF Value د.إ5.88
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Dubai National Insurance & Reinsurance PSC PB Ratio?

Dubai National Insurance & Reinsurance PSC DFM:DNIR 77 PB Ratio is 0.37 as of Jun. 27, 2026, which is 53% below its 10-year median of 0.79. GuruFocus rates DFM:DNIR with a GF Score™ of 77/100 and a GF Value™ of د.إ5.88 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 497 Insurance companies, Dubai National Insurance & Reinsurance PSC ranks better than 94.97% on this metric.

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. As of today (2026-06-27), Dubai National Insurance & Reinsurance PSC's share price is د.إ3.05. Dubai National Insurance & Reinsurance PSC's Book Value per Share for the quarter that ended in Mar. 2026 was د.إ8.30. Hence, Dubai National Insurance & Reinsurance PSC's PB Ratio of today is 0.37.

Good Sign:

Dubai National Insurance & Reinsurance PSC stock PB Ratio (=0.37) is close to 10-year low of 0.35.

The historical rank and industry rank for Dubai National Insurance & Reinsurance PSC's PB Ratio or its related term are showing as below:

DFM:DNIR' s PB Ratio Range Over the Past 10 Years
Min: 0.35   Med: 0.79   Max: 1.36
Current: 0.37

During the past 13 years, Dubai National Insurance & Reinsurance PSC's highest PB Ratio was 1.36. The lowest was 0.35. And the median was 0.79.

DFM:DNIR's PB Ratio is ranked better than
94.97% of 497 companies
in the Insurance industry
Industry Median: 1.38 vs DFM:DNIR: 0.37

During the past 12 months, Dubai National Insurance & Reinsurance PSC's average Book Value Per Share Growth Rate was 16.90% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 11.50% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 8.20% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 7.80% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Dubai National Insurance & Reinsurance PSC was 36.20% per year. The lowest was -30.20% per year. And the median was 6.80% per year.

Back to Basics: PB Ratio


Dubai National Insurance & Reinsurance PSC  (DFM:DNIR) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


Dubai National Insurance & Reinsurance PSC PB Ratio Related Terms


Dubai National Insurance & Reinsurance PSC PB Ratio Historical Data

* Premium members only.

The historical data trend for Dubai National Insurance & Reinsurance PSC's PB Ratio can be seen below:

* 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.

Dubai National Insurance & Reinsurance PSC PB Ratio Chart

Dubai National Insurance & Reinsurance PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 0.84 0.82 0.73 0.40

Dubai National Insurance & Reinsurance PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.54 0.44 0.43 0.40 0.39

DFM:DNIR vs BRK.A, AIG, HIG: PB Ratio Comparison

For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.


Dubai National Insurance & Reinsurance PSC PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Dubai National Insurance & Reinsurance PSC's PB Ratio distribution charts can be found below:

* The bar in red indicates where Dubai National Insurance & Reinsurance PSC's PB Ratio falls into.


DFM:DNIR
77GF Score
Dubai National Insurance & Reinsurance PSC DFM:DNIR
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dubai National Insurance & Reinsurance PSC 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.

Dubai National Insurance & Reinsurance PSC's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=3.05/8.296
=0.37

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.37 mean?
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) has a PB Ratio of 0.37 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Dubai National Insurance & Reinsurance PSC and its competitors. This is 53% below median its historical median of 0.79. Over the past decade, Dubai National Insurance & Reinsurance PSC's PB Ratio has ranged from 0.35 to 1.36. According to the industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #25 out of 497 companies in the Insurance industry, placing it in the top 5%.
Is Dubai National Insurance & Reinsurance PSC's PB Ratio too high?
Dubai National Insurance & Reinsurance PSC's current PB Ratio of 0.37 is 53% below median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.36. The Insurance industry median PB Ratio is 1.38. Dubai National Insurance & Reinsurance PSC's value of 0.37 is 73.2% below this industry median. Based on the distribution chart, Dubai National Insurance & Reinsurance PSC ranks #25 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Dubai National Insurance & Reinsurance PSC has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Dubai National Insurance & Reinsurance PSC's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #25 out of 497 companies for PB Ratio. This places Dubai National Insurance & Reinsurance PSC in the top 5% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.38. Dubai National Insurance & Reinsurance PSC's value of 0.37 is 73.2% below this benchmark. Historically, Dubai National Insurance & Reinsurance PSC's own PB Ratio has ranged from 0.35 to 1.36 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 1.38, Dubai National Insurance & Reinsurance PSC 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 1.38, based on 497 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. Dubai National Insurance & Reinsurance PSC's current PB Ratio of 0.37 is 73.2% 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 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 Dubai National Insurance & Reinsurance PSC and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai National Insurance & Reinsurance PSC's current PB Ratio is 0.37, which is 53% below median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dubai National Insurance & Reinsurance PSC stock overvalued right now?
Based on GuruFocus' analysis, Dubai National Insurance & Reinsurance PSC (DFM:DNIR) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ5.88, compared to a current price of د.إ3.05 — trading 48.1% below its estimated fair value. The current PB Ratio is 0.37, which is 53% below median its 10-year median of 0.79 and 73.2% below the Insurance industry median of 1.38. Dubai National Insurance & Reinsurance PSC's overall GF Score™ is 77/100 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 Dubai National Insurance & Reinsurance PSC (DFM:DNIR), the current PB Ratio is 0.37 as of Jun. 27, 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 Dubai National Insurance & Reinsurance PSC (DFM:DNIR) Overvalued in 2026?

Based on GuruFocus' analysis, Dubai National Insurance & Reinsurance PSC stock appears to be undervalued. The current stock price of د.إ3.05 is trading 48.1% below its estimated GF Value™ of د.إ5.88. GuruFocus considers Dubai National Insurance & Reinsurance PSC to be Significantly Undervalued.

Key valuation signals for DFM:DNIR:

  • PB Ratio: 0.37 (53% below median its 10-year median of 0.79)
  • GF Value™: د.إ5.88 vs. price of د.إ3.05 (48.1% below fair value)
  • GF Score™: 77/100 with 1 warning sign
  • Industry Position: 73.2% below the Insurance median (#25 of 497)

No single metric tells the full story. See the DFM:DNIR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dubai National Insurance & Reinsurance PSC Business Description

Address Sheikh Zayed road, P.O. Box: 1806, 3rd Floor, Dubai National Insurance Building, Next to Mazaya Center, Behind Coca Cola Arena, Dubai, ARE
Dubai National Insurance & Reinsurance PSC is engaged in providing insurance and reinsurance services. The company's insurance services consist of commercial insurance that includes motor fleet insurance, group medical insurance, engineering, general accidents, liability, marine, property, group life, and personal accident insurance, among others. It operates in two main business segments: Underwriting and Investments. Maximum revenue is generated from the Underwriting segment, which is further classified into General Insurance, Group Life, and Health Insurance.
77GF Score

Get the complete analysis for DFM:DNIR

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

د.إ3.05
Price
د.إ5.88
GF Value