HAYAH Insurance Co PJSC (ADX:HAYAH) ROE % Adjusted to Book Value: 0.62% (As of Dec. 2025)


ADX:HAYAH HAYAH Insurance Co PJSC ADX:HAYAH
63 GF Score
Price د.إ1.26
GF Value د.إ1.81
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is HAYAH Insurance Co PJSC ROE % Adjusted to Book Value?

HAYAH Insurance Co PJSC ADX:HAYAH -4.55% 63 ROE % Adjusted to Book Value is 0.62% as of Dec. 2025. GuruFocus rates ADX:HAYAH with a GF Score™ of 63/100 and a GF Value™ of د.إ1.81 (Significantly Undervalued). The stock has 2 warning signs investors should review.

HAYAH Insurance Co PJSC's ROE % for the quarter that ended in Dec. 2025 was 1.32%. HAYAH Insurance Co PJSC's PB Ratio for the quarter that ended in Dec. 2025 was 2.13. HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 0.62%.


HAYAH Insurance Co PJSC ROE % Adjusted to Book Value Related Terms


HAYAH Insurance Co PJSC ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value 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.

HAYAH Insurance Co PJSC ROE % Adjusted to Book Value Chart

HAYAH Insurance Co PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.88 3.87 -2.85 2.12 0.62

HAYAH Insurance Co PJSC Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value 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 0.88 3.87 -2.85 2.12 0.62

ADX:HAYAH vs AFL, MET: ROE % Adjusted to Book Value Comparison

For the Insurance - Life subindustry, HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


HAYAH Insurance Co PJSC ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value falls into.


ADX:HAYAH
63GF Score
HAYAH Insurance Co PJSC ADX:HAYAH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

HAYAH Insurance Co PJSC ROE % Adjusted to Book Value Calculation

HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.32% / 2.13
=0.62%

HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.32% / 2.13
=0.62%

* 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.

What does a ROE % Adjusted to Book Value of 0.62% mean?
HAYAH Insurance Co PJSC (ADX:HAYAH) has a ROE % Adjusted to Book Value of 0.62% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on HAYAH Insurance Co PJSC and its competitors.
Is HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value too high?
HAYAH Insurance Co PJSC's current ROE % Adjusted to Book Value is 0.62%. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value compare to AFL and MET?
HAYAH Insurance Co PJSC's ROE % Adjusted to Book Value of 0.62% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on HAYAH Insurance Co PJSC and its competitors. HAYAH Insurance Co PJSC's current ROE % Adjusted to Book Value is 0.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.26 — trading 30.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 0.62%. HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For HAYAH Insurance Co PJSC (ADX:HAYAH), the current ROE % Adjusted to Book Value is 0.62% as of Dec. 2025. 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?

Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued. The current stock price of د.إ1.26 is trading 30.4% below its estimated GF Value™ of د.إ1.81. GuruFocus considers HAYAH Insurance Co PJSC to be Significantly Undervalued.

Key valuation signals for ADX:HAYAH:

  • ROE % Adjusted to Book Value: 0.62%
  • GF Value™: د.إ1.81 vs. price of د.إ1.26 (30.4% below fair value)
  • GF Score™: 63/100 with 2 warning signs

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


HAYAH Insurance Co PJSC Business Description

Address Corniche Road, P.O. Box 63323, Floor 16, Sheikh Sultan Bin Hamdan Building, Abu Dhabi, ARE
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score

Get the complete analysis for ADX:HAYAH

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.26
Price
د.إ1.81
GF Value