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Al Dhafra Insurance Co PSCADX:DHAFRA 46 ROE % is 15.78% as of Mar. 2026, which is 73% above its 10-year median of 9.11. 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 502 Insurance companies, Al Dhafra Insurance Co PSC ranks worse than 65.74% on this metric.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's ROE % or its related term are showing as below:
ADX:DHAFRA'
s ROE % Range Over the Past 10 Years
Min: 5.08 Med: 9.11 Max: 19.17
Current: 7.73
During the past 13 years, Al Dhafra Insurance Co PSC's highest ROE % was 19.17%. The lowest was 5.08%. And the median was 9.11%.
ADX:DHAFRA's ROE % is ranked worse than 65.74% of 502
companies
in the Insurance industry
Industry Median: 11.635
vs ADX:DHAFRA: 7.73
Al Dhafra Insurance Co PSC (ADX:DHAFRA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's ROE % distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a ROE % of 15.78% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Al Dhafra Insurance Co PSC and its competitors. This is 73% above median its historical median of 9.11. Over the past decade, Al Dhafra Insurance Co PSC's ROE % has ranged from 5.08 to 19.17. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #330 out of 502 companies in the Insurance industry, placing it in the top 65.7%.
Is Al Dhafra Insurance Co PSC's ROE % too high?
Al Dhafra Insurance Co PSC's current ROE % of 15.78% is 73% above median its 10-year median of 9.11. Over the past 10 years, this metric has ranged from a low of 5.08 to a high of 19.17. The Insurance industry median ROE % is 11.64. Al Dhafra Insurance Co PSC's value of 15.78% is 35.6% above this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #330 out of 502 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #330 out of 502 companies for ROE %. This places Al Dhafra Insurance Co PSC in the lower half of its industry. The industry median ROE % is 11.64. Al Dhafra Insurance Co PSC's value of 15.78% is 35.6% above this benchmark. Historically, Al Dhafra Insurance Co PSC's own ROE % has ranged from 5.08 to 19.17 over the past decade. While the company's 10-year median is 9.11 vs. the industry median of 11.64, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Dhafra Insurance Co PSC's current ROE % of 15.78% is 35.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Al Dhafra Insurance Co PSC and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Dhafra Insurance Co PSC's current ROE % is 15.78%, which is 73% above median its own 10-year median of 9.11. 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 ROE % is 15.78%, which is 73% above median its 10-year median of 9.11 and 35.6% above the Insurance industry median of 11.64. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Al Dhafra Insurance Co PSC (ADX:DHAFRA), the current ROE % is 15.78% 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:
ROE %: 15.78% (73% above median its 10-year median of 9.11)
GF Value™: د.إ5.63 vs. price of د.إ7.79 (38.4% above fair value)
Industry Position: 35.6% above the Insurance median (#330 of 502)
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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