Emirates Insurance Co PSCADX:EIC 56 ROE % is 8.91% as of Dec. 2025, which is 11% below its 10-year median of 10.04. GuruFocus rates ADX:EIC with a GF Score™ of 56/100 and a GF Value™ of د.إ8.36 (Fairly Valued). Among 502 Insurance companies, Emirates Insurance Co PSC ranks worse than 55.78% on this metric.
The historical rank and industry rank for Emirates Insurance Co PSC's ROE % or its related term are showing as below:
ADX:EIC'
s ROE % Range Over the Past 10 Years
Min: 4.78 Med: 10.04 Max: 10.62
Current: 10.36
During the past 13 years, Emirates Insurance Co PSC's highest ROE % was 10.62%. The lowest was 4.78%. And the median was 10.04%.
ADX:EIC's ROE % is ranked worse than 55.78% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs ADX:EIC: 10.36
Emirates Insurance Co PSC (ADX:EIC) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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, Emirates 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.
Emirates Insurance Co PSC ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Emirates Insurance Co PSC's ROE % distribution charts can be found below:
* The bar in red indicates where Emirates 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 (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Emirates Insurance Co PSC (ADX:EIC) has a ROE % of 8.91% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Emirates Insurance Co PSC and its competitors. This is 11% below median its historical median of 10.04. Over the past decade, Emirates Insurance Co PSC's ROE % has ranged from 4.78 to 10.62. According to the industry distribution chart, Emirates Insurance Co PSC ranks #280 out of 502 companies in the Insurance industry, placing it in the top 55.8%.
Is Emirates Insurance Co PSC's ROE % too high?
Emirates Insurance Co PSC's current ROE % of 8.91% is 11% below median its 10-year median of 10.04. Over the past 10 years, this metric has ranged from a low of 4.78 to a high of 10.62. The Insurance industry median ROE % is 11.73. Emirates Insurance Co PSC's value of 8.91% is 24% below this industry median. Based on the distribution chart, Emirates Insurance Co PSC ranks #280 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Emirates Insurance Co PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Emirates Insurance Co PSC's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Emirates Insurance Co PSC ranks #280 out of 502 companies for ROE %. This places Emirates Insurance Co PSC in the lower half of its industry. The industry median ROE % is 11.73. Emirates Insurance Co PSC's value of 8.91% is 24% below this benchmark. Historically, Emirates Insurance Co PSC's own ROE % has ranged from 4.78 to 10.62 over the past decade. While the company's 10-year median is 10.04 vs. the industry median of 11.73, Emirates Insurance Co 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, 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. Emirates Insurance Co PSC's current ROE % of 8.91% is 24% 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 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 Emirates Insurance Co PSC and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Insurance Co PSC's current ROE % is 8.91%, which is 11% below median its own 10-year median of 10.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Insurance Co PSC (ADX:EIC) is currently considered Fairly Valued. The stock's GF Value™ is د.إ8.36, compared to a current price of د.إ8.10 — trading 3.1% below its estimated fair value. The current ROE % is 8.91%, which is 11% below median its 10-year median of 10.04 and 24% below the Insurance industry median of 11.73. Emirates Insurance Co PSC's overall GF Score™ is 56/100. 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 Emirates Insurance Co PSC (ADX:EIC), the current ROE % is 8.91% 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 Emirates Insurance Co PSC (ADX:EIC) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates Insurance Co PSC stock appears to be undervalued.
The current stock price of د.إ8.10 is trading 3.1% below its estimated GF Value™ of د.إ8.36.
GuruFocus considers Emirates Insurance Co PSC to be Fairly Valued.
Key valuation signals for ADX:EIC:
ROE %: 8.91% (11% below median its 10-year median of 10.04)
GF Value™: د.إ8.36 vs. price of د.إ8.10 (3.1% below fair value)
Industry Position: 24% below the Insurance median (#280 of 502)
No single metric tells the full story. See the ADX:EIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates Insurance Co PSC is mainly engaged in issuing short-term and long-term insurance contracts and trading in securities. It operates through two segments: Underwriting of general insurance business (Underwriting) and Investments. The Underwriting of general insurance business incorporates all classes of general insurance products offered by the company, such as fire, marine, motor, general accident, and miscellaneous. The Investments segment includes activities of investments in marketable equity securities and investment funds, bonds, term deposits with banks, investment properties, and other securities. The majority of the company's revenue is generated from the Underwriting segment. Geographically, it generates maximum revenue from the UAE, followed by Europe and the USA.
56GF Score
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