HAYAH Insurance Co PJSC (ADX:HAYAH) Asset Turnover: 0.40 (As of Dec. 2025)


ADX:HAYAH HAYAH Insurance Co PJSC ADX:HAYAH
63 GF Score
Price د.إ1.32
GF Value د.إ1.81
Valuation Modestly Undervalued
! 2 Warning Signs
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What is HAYAH Insurance Co PJSC Asset Turnover?

HAYAH Insurance Co PJSC ADX:HAYAH 63 Asset Turnover is 0.40 as of Dec. 2025. GuruFocus rates ADX:HAYAH with a GF Score™ of 63/100 and a GF Value™ of د.إ1.81 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. HAYAH Insurance Co PJSC's Revenue for the six months ended in Dec. 2025 was د.إ95.18 Mil. HAYAH Insurance Co PJSC's Total Assets for the quarter that ended in Dec. 2025 was د.إ241.07 Mil. Therefore, HAYAH Insurance Co PJSC's Asset Turnover for the quarter that ended in Dec. 2025 was 0.40.

Asset Turnover is linked to ROE % through Du Pont Formula. HAYAH Insurance Co PJSC's annualized ROE % for the quarter that ended in Dec. 2025 was 2.65%. It is also linked to ROA % through Du Pont Formula. HAYAH Insurance Co PJSC's annualized ROA % for the quarter that ended in Dec. 2025 was 1.39%.


HAYAH Insurance Co PJSC  (ADX:HAYAH) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

HAYAH Insurance Co PJSC's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=3.34/126.238
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(3.34 / 190.356)*(190.356 / 241.0735)*(241.0735/ 126.238)
=Net Margin %*Asset Turnover*Equity Multiplier
=1.75 %*0.7896*1.9097
=ROA %*Equity Multiplier
=1.39 %*1.9097
=2.65 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

HAYAH Insurance Co PJSC's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=3.34/241.0735
=(Net Income / Revenue)*(Revenue / Total Assets)
=(3.34 / 190.356)*(190.356 / 241.0735)
=Net Margin %*Asset Turnover
=1.75 %*0.7896
=1.39 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.


Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


HAYAH Insurance Co PJSC Asset Turnover Related Terms


HAYAH Insurance Co PJSC Asset Turnover Historical Data

* Premium members only.

The historical data trend for HAYAH Insurance Co PJSC's Asset Turnover 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 Asset Turnover Chart

HAYAH Insurance Co PJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.33 0.39 0.41 0.40

HAYAH Insurance Co PJSC Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover 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 0.23 0.33 0.39 0.41 0.40

ADX:HAYAH vs AFL, MET: Asset Turnover Comparison

For the Insurance - Life subindustry, HAYAH Insurance Co PJSC's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Insurance Industry

For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's Asset Turnover distribution charts can be found below:

* The bar in red indicates where HAYAH Insurance Co PJSC's Asset Turnover falls into.


ADX:HAYAH
63GF Score
HAYAH Insurance Co PJSC ADX:HAYAH
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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HAYAH Insurance Co PJSC Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

HAYAH Insurance Co PJSC's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=95.178/( (202.393+279.754)/ 2 )
=95.178/241.0735
=0.39

HAYAH Insurance Co PJSC's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=95.178/( (202.393+279.754)/ 2 )
=95.178/241.0735
=0.39

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.40 mean?
HAYAH Insurance Co PJSC (ADX:HAYAH) has a Asset Turnover of 0.40 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on HAYAH Insurance Co PJSC and its competitors.
Is HAYAH Insurance Co PJSC's Asset Turnover too high?
HAYAH Insurance Co PJSC's current Asset Turnover is 0.40. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's Asset Turnover compare to AFL and MET?
HAYAH Insurance Co PJSC's Asset Turnover of 0.40 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 Asset Turnover for an Insurance company?
A good Asset Turnover depends on the Insurance industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on HAYAH Insurance Co PJSC and its competitors. HAYAH Insurance Co PJSC's current Asset Turnover is 0.40. 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 Modestly Undervalued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.32 — trading 27.1% below its estimated fair value. The current Asset Turnover is 0.40. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For HAYAH Insurance Co PJSC (ADX:HAYAH), the current Asset Turnover is 0.40 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.إ1.32 is trading 27.1% below its estimated GF Value™ of د.إ1.81. GuruFocus considers HAYAH Insurance Co PJSC to be Modestly Undervalued.

Key valuation signals for ADX:HAYAH:

  • Asset Turnover: 0.40
  • GF Value™: د.إ1.81 vs. price of د.إ1.32 (27.1% 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

Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.32
Price
د.إ1.81
GF Value