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Al Wathba National Insurance Co PJSCADX:AWNIC 68 Return-on-Tangible-Asset is 4.77% as of Dec. 2025, which is 41% above its 10-year median of 3.39. GuruFocus rates ADX:AWNIC with a GF Score™ of 68/100 and a GF Value™ of د.إ7.45 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 507 Insurance companies, Al Wathba National Insurance Co PJSC ranks better than 71.4% on this metric.
The historical rank and industry rank for Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset or its related term are showing as below:
ADX:AWNIC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.38 Med: 3.39 Max: 10.61
Current: 4.77
During the past 13 years, Al Wathba National Insurance Co PJSC's highest Return-on-Tangible-Asset was 10.61%. The lowest was 0.38%. And the median was 3.39%.
ADX:AWNIC's Return-on-Tangible-Asset is ranked better than 71.4% of 507
companies
in the Insurance industry
Industry Median: 2.83
vs ADX:AWNIC: 4.77
Al Wathba National Insurance Co PJSC (ADX:AWNIC) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Al Wathba National Insurance Co PJSC Return-on-Tangible-Asset Related Terms
Al Wathba National Insurance Co PJSC Return-on-Tangible-Asset 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.
Al Wathba National Insurance Co PJSC Return-on-Tangible-Asset Chart
ADX:AWNIC vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Wathba National Insurance Co PJSC Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 4.77% mean?
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a Return-on-Tangible-Asset of 4.77% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Al Wathba National Insurance Co PJSC and its competitors. This is 41% above median its historical median of 3.39. Over the past decade, Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset has ranged from 0.38 to 10.61. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #145 out of 507 companies in the Insurance industry, placing it in the top 28.6%.
Is Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset too high?
Al Wathba National Insurance Co PJSC's current Return-on-Tangible-Asset of 4.77% is 41% above median its 10-year median of 3.39. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 10.61. The Insurance industry median Return-on-Tangible-Asset is 2.83. Al Wathba National Insurance Co PJSC's value of 4.77% is 68.6% above this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #145 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #145 out of 507 companies for Return-on-Tangible-Asset. This puts Al Wathba National Insurance Co PJSC in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.83. Al Wathba National Insurance Co PJSC's value of 4.77% is 68.6% above this benchmark. Historically, Al Wathba National Insurance Co PJSC's own Return-on-Tangible-Asset has ranged from 0.38 to 10.61 over the past decade. While the company's 10-year median is 3.39 vs. the industry median of 2.83, Al Wathba National Insurance Co PJSC 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.83, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Wathba National Insurance Co PJSC's current Return-on-Tangible-Asset of 4.77% is 68.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Al Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current Return-on-Tangible-Asset is 4.77%, which is 41% above median its own 10-year median of 3.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.45, compared to a current price of د.إ3.43 — trading 54% below its estimated fair value. The current Return-on-Tangible-Asset is 4.77%, which is 41% above median its 10-year median of 3.39 and 68.6% above the Insurance industry median of 2.83. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current Return-on-Tangible-Asset is 4.77% 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ3.43 is trading 54% below its estimated GF Value™ of د.إ7.45.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
Return-on-Tangible-Asset: 4.77% (41% above median its 10-year median of 3.39)
GF Value™: د.إ7.45 vs. price of د.إ3.43 (54% below fair value)
Industry Position: 68.6% above the Insurance median (#145 of 507)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
Get the complete analysis for ADX:AWNIC
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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