DFM:DNIR's ROE % is ranked worse than 71.91% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs DFM:DNIR: 6.54
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) 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.
Dubai National Insurance & Reinsurance PSC ROE % Related Terms
Dubai National Insurance & Reinsurance PSC ROE % 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 ROE % Chart
Dubai National Insurance & Reinsurance PSC Annual Data
For the Insurance - Diversified subindustry, Dubai National Insurance & Reinsurance 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.
Dubai National Insurance & Reinsurance PSC ROE % 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 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.
Dubai National Insurance & Reinsurance PSC (DFM:DNIR) has a ROE % of 12.64% 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 Dubai National Insurance & Reinsurance PSC and its competitors. This is 37% above median its historical median of 9.23. Over the past decade, Dubai National Insurance & Reinsurance PSC's ROE % has ranged from 6.06 to 10.51. According to the industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #361 out of 502 companies in the Insurance industry, placing it in the top 71.9%.
Is Dubai National Insurance & Reinsurance PSC's ROE % too high?
Dubai National Insurance & Reinsurance PSC's current ROE % of 12.64% is 37% above median its 10-year median of 9.23. Over the past 10 years, this metric has ranged from a low of 6.06 to a high of 10.51. The Insurance industry median ROE % is 11.73. Dubai National Insurance & Reinsurance PSC's value of 12.64% is 7.8% above this industry median. Based on the distribution chart, Dubai National Insurance & Reinsurance PSC ranks #361 out of 502 companies in the Insurance industry, which is below 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dubai National Insurance & Reinsurance PSC ranks #361 out of 502 companies for ROE %. This places Dubai National Insurance & Reinsurance PSC in the lower half of its industry. The industry median ROE % is 11.73. Dubai National Insurance & Reinsurance PSC's value of 12.64% is 7.8% above this benchmark. Historically, Dubai National Insurance & Reinsurance PSC's own ROE % has ranged from 6.06 to 10.51 over the past decade. While the company's 10-year median is 9.23 vs. the industry median of 11.73, 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 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. Dubai National Insurance & Reinsurance PSC's current ROE % of 12.64% is 7.8% 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 Dubai National Insurance & Reinsurance 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. Dubai National Insurance & Reinsurance PSC's current ROE % is 12.64%, which is 37% above median its own 10-year median of 9.23. 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 ROE % is 12.64%, which is 37% above median its 10-year median of 9.23 and 7.8% above the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Dubai National Insurance & Reinsurance PSC (DFM:DNIR), the current ROE % is 12.64% 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:
ROE %: 12.64% (37% above median its 10-year median of 9.23)
GF Value™: د.إ5.88 vs. price of د.إ3.05 (48.1% below fair value)
Industry Position: 7.8% above the Insurance median (#361 of 502)
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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