DFM:DNIR's ROA % is ranked better than 62.25% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs DFM:DNIR: 3.60
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) 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.
Dubai National Insurance & Reinsurance PSC ROA % Related Terms
Dubai National Insurance & Reinsurance PSC ROA % 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.
Dubai National Insurance & Reinsurance PSC ROA % Chart
Dubai National Insurance & Reinsurance PSC Annual Data
For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.
Dubai National Insurance & Reinsurance PSC ROA % vs Insurance Industry
* 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.
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) has a ROA % of 7.38% 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 Dubai National Insurance & Reinsurance PSC and its competitors. This is 35% above median its historical median of 5.47. Over the past decade, Dubai National Insurance & Reinsurance PSC's ROA % has ranged from 3.22 to 6.31. According to the industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #191 out of 506 companies in the Insurance industry, placing it in the top 37.7%.
Is Dubai National Insurance & Reinsurance PSC's ROA % too high?
Dubai National Insurance & Reinsurance PSC's current ROA % of 7.38% is 35% above median its 10-year median of 5.47. Over the past 10 years, this metric has ranged from a low of 3.22 to a high of 6.31. The Insurance industry median ROA % is 2.70. Dubai National Insurance & Reinsurance PSC's value of 7.38% is 173.3% above this industry median. Based on the distribution chart, Dubai National Insurance & Reinsurance PSC ranks #191 out of 506 companies in the Insurance industry, which is above the industry midpoint. 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #191 out of 506 companies for ROA %. This puts Dubai National Insurance & Reinsurance PSC in the upper half of its industry. The industry median ROA % is 2.70. Dubai National Insurance & Reinsurance PSC's value of 7.38% is 173.3% above this benchmark. Historically, Dubai National Insurance & Reinsurance PSC's own ROA % has ranged from 3.22 to 6.31 over the past decade. While the company's 10-year median is 5.47 vs. the industry median of 2.70, Dubai National Insurance & Reinsurance 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 2.70, based on 506 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. Dubai National Insurance & Reinsurance PSC's current ROA % of 7.38% is 173.3% 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 Dubai National Insurance & Reinsurance PSC and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dubai National Insurance & Reinsurance PSC's current ROA % is 7.38%, which is 35% above median its own 10-year median of 5.47. 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 ROA % is 7.38%, which is 35% above median its 10-year median of 5.47 and 173.3% above the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Dubai National Insurance & Reinsurance PSC (DFM:DNIR), the current ROA % is 7.38% 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 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:
ROA %: 7.38% (35% above median its 10-year median of 5.47)
GF Value™: د.إ5.88 vs. price of د.إ3.05 (48.1% below fair value)
Industry Position: 173.3% above the Insurance median (#191 of 506)
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
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
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