Abu Dhabi National Takaful Co PSC (ADX:TKFL) Scaled Net Operating Assets: 0.05 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ADX:TKFL Abu Dhabi National Takaful Co PSC ADX:TKFL
72 GF Score
Price د.إ4.86
GF Value د.إ8.26
Valuation Significantly Undervalued
View Full Analysis

What is Abu Dhabi National Takaful Co PSC Scaled Net Operating Assets?

Abu Dhabi National Takaful Co PSC ADX:TKFL -1.82% 72 Scaled Net Operating Assets is 0.05 as of Dec. 2025. GuruFocus rates ADX:TKFL with a GF Score™ of 72/100 and a GF Value™ of د.إ8.26 (Significantly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Abu Dhabi National Takaful Co PSC's operating assets for the quarter that ended in Dec. 2025 was د.إ1,150.3 Mil. Abu Dhabi National Takaful Co PSC's operating liabilities for the quarter that ended in Dec. 2025 was د.إ1,075.1 Mil. Abu Dhabi National Takaful Co PSC's Total Assets for the quarter that ended in Dec. 2024 was د.إ1,557.7 Mil. Therefore, Abu Dhabi National Takaful Co PSC's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.05.

ADX:TKFL
72GF Score
Abu Dhabi National Takaful Co PSC ADX:TKFL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi National Takaful Co PSC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Abu Dhabi National Takaful Co PSC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1645.161-1075.146)/1557.744
=0.37

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1684.795 - 39.634
=1645.161

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1082.74 - 7.594 - 0
=1075.146

Abu Dhabi National Takaful Co PSC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1150.305-1075.146)/1557.744
=0.05

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1684.795 - 534.49
=1150.305

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1082.74 - 7.594 - 0
=1075.146

* 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 Scaled Net Operating Assets of 0.05 mean?
Abu Dhabi National Takaful Co PSC (ADX:TKFL) has a Scaled Net Operating Assets of 0.05 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Abu Dhabi National Takaful Co PSC and its competitors.
Is Abu Dhabi National Takaful Co PSC's Scaled Net Operating Assets too high?
Abu Dhabi National Takaful Co PSC's current Scaled Net Operating Assets is 0.05. Overall, Abu Dhabi National Takaful Co PSC has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Takaful Co PSC's Scaled Net Operating Assets compare to BRK.A and AIG?
Abu Dhabi National Takaful Co PSC's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Abu Dhabi National Takaful Co PSC and its competitors. Abu Dhabi National Takaful Co PSC's current Scaled Net Operating Assets is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Takaful Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC (ADX:TKFL) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ8.26, compared to a current price of د.إ4.86 — trading 41.2% below its estimated fair value. The current Scaled Net Operating Assets is 0.05. Abu Dhabi National Takaful Co PSC's overall GF Score™ is 72/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Abu Dhabi National Takaful Co PSC (ADX:TKFL), the current Scaled Net Operating Assets is 0.05 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC stock appears to be undervalued. The current stock price of د.إ4.86 is trading 41.2% below its estimated GF Value™ of د.إ8.26. GuruFocus considers Abu Dhabi National Takaful Co PSC to be Significantly Undervalued.

Key valuation signals for ADX:TKFL:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: د.إ8.26 vs. price of د.إ4.86 (41.2% below fair value)
  • GF Score™: 72/100

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

Abu Dhabi National Takaful Co PSC Business Description

Address Landmark Tower, 11th Floor, Corniche, Abu Dhabi, ARE
Abu Dhabi National Takaful Co PSC is engaged in providing Takaful insurance solutions for the regional market. The company is licensed by the Ministry of Economy & Commerce as the first Takaful operator in the emirates of Abu Dhabi and is among the Islamic insurance companies operating in the United Arab Emirates. The company's core business activities and investments are conducted in accordance with the Islamic Sharia. The company has different types of products and services, which have been developed under the guidance of the Fatwa & Sharia Supervisory Board to meet the varying needs of clients in the field of Islamic finance.
72GF Score

Get the complete analysis for ADX:TKFL

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ4.86
Price
د.إ8.26
GF Value