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Al Dhafra Insurance Co PSCADX:DHAFRA 46 ROA % is 6.61% as of Mar. 2026, which is 78% above its 10-year median of 3.71. 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 507 Insurance companies, Al Dhafra Insurance Co PSC ranks better than 54.64% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Al Dhafra Insurance Co PSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ90.3 Mil.
Al Dhafra Insurance Co PSC's average Total Assets over the quarter that ended in Mar. 2026 was د.إ1,367.3 Mil. Therefore, Al Dhafra Insurance Co PSC's annualized ROA % for the quarter that ended in Mar. 2026 was 6.61%.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's ROA % or its related term are showing as below:
ADX:DHAFRA'
s ROA % Range Over the Past 10 Years
Min: 2.26 Med: 3.71 Max: 7.05
Current: 3.04
During the past 13 years, Al Dhafra Insurance Co PSC's highest ROA % was 7.05%. The lowest was 2.26%. And the median was 3.71%.
ADX:DHAFRA's ROA % is ranked better than 54.64% of 507
companies
in the Insurance industry
Industry Median: 2.6
vs ADX:DHAFRA: 3.04
Al Dhafra Insurance Co PSC (ADX:DHAFRA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 - Diversified subindustry, Al Dhafra Insurance Co PSC's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's ROA % distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a ROA % of 6.61% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Al Dhafra Insurance Co PSC and its competitors. This is 78% above median its historical median of 3.71. Over the past decade, Al Dhafra Insurance Co PSC's ROA % has ranged from 2.26 to 7.05. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #230 out of 507 companies in the Insurance industry, placing it in the top 45.4%.
Is Al Dhafra Insurance Co PSC's ROA % too high?
Al Dhafra Insurance Co PSC's current ROA % of 6.61% is 78% above median its 10-year median of 3.71. Over the past 10 years, this metric has ranged from a low of 2.26 to a high of 7.05. The Insurance industry median ROA % is 2.60. Al Dhafra Insurance Co PSC's value of 6.61% is 154.2% above this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #230 out of 507 companies in the Insurance industry, which is above 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #230 out of 507 companies for ROA %. This puts Al Dhafra Insurance Co PSC in the upper half of its industry. The industry median ROA % is 2.60. Al Dhafra Insurance Co PSC's value of 6.61% is 154.2% above this benchmark. Historically, Al Dhafra Insurance Co PSC's own ROA % has ranged from 2.26 to 7.05 over the past decade. While the company's 10-year median is 3.71 vs. the industry median of 2.60, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.60, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Dhafra Insurance Co PSC's current ROA % of 6.61% is 154.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Al Dhafra Insurance Co PSC and its competitors. For the Insurance industry, the median ROA % is 2.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Dhafra Insurance Co PSC's current ROA % is 6.61%, which is 78% above median its own 10-year median of 3.71. 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 ROA % is 6.61%, which is 78% above median its 10-year median of 3.71 and 154.2% above the Insurance industry median of 2.60. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current ROA % is 6.61% as of Mar. 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:
ROA %: 6.61% (78% above median its 10-year median of 3.71)
GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
Industry Position: 154.2% above the Insurance median (#230 of 507)
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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