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Al Dhafra Insurance Co PSCADX:DHAFRA 46 Return-on-Tangible-Asset is 6.62% as of Mar. 2026, which is 78% above its 10-year median of 3.72. GuruFocus rates ADX:DHAFRA with a GF Score™ of 46/100 and a GF Value™ of د.إ5.67 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 506 Insurance companies, Al Dhafra Insurance Co PSC ranks better than 52.77% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Al Dhafra Insurance Co PSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ90.3 Mil. Al Dhafra Insurance Co PSC's average total tangible assets for the quarter that ended in Mar. 2026 was د.إ1,364.8 Mil. Therefore, Al Dhafra Insurance Co PSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 6.62%.
The historical rank and industry rank for Al Dhafra Insurance Co PSC's Return-on-Tangible-Asset or its related term are showing as below:
ADX:DHAFRA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.27 Med: 3.72 Max: 7.06
Current: 3.05
During the past 13 years, Al Dhafra Insurance Co PSC's highest Return-on-Tangible-Asset was 7.06%. The lowest was 2.27%. And the median was 3.72%.
ADX:DHAFRA's Return-on-Tangible-Asset is ranked better than 52.77% of 506
companies
in the Insurance industry
Industry Median: 2.855
vs ADX:DHAFRA: 3.05
Al Dhafra Insurance Co PSC (ADX:DHAFRA) 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 Dhafra Insurance Co PSC Return-on-Tangible-Asset Related Terms
Al Dhafra Insurance Co PSC 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 Dhafra Insurance Co PSC Return-on-Tangible-Asset Chart
ADX:DHAFRA vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Al Dhafra Insurance Co PSC'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 Dhafra Insurance Co PSC Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Dhafra Insurance Co PSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Al Dhafra Insurance Co PSC'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 four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 6.62% mean?
Al Dhafra Insurance Co PSC (ADX:DHAFRA) has a Return-on-Tangible-Asset of 6.62% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Al Dhafra Insurance Co PSC and its competitors. This is 78% above median its historical median of 3.72. Over the past decade, Al Dhafra Insurance Co PSC's Return-on-Tangible-Asset has ranged from 2.27 to 7.06. According to the industry distribution chart, Al Dhafra Insurance Co PSC ranks #239 out of 506 companies in the Insurance industry, placing it in the top 47.2%.
Is Al Dhafra Insurance Co PSC's Return-on-Tangible-Asset too high?
Al Dhafra Insurance Co PSC's current Return-on-Tangible-Asset of 6.62% is 78% above median its 10-year median of 3.72. Over the past 10 years, this metric has ranged from a low of 2.27 to a high of 7.06. The Insurance industry median Return-on-Tangible-Asset is 2.86. Al Dhafra Insurance Co PSC's value of 6.62% is 131.9% above this industry median. Based on the distribution chart, Al Dhafra Insurance Co PSC ranks #239 out of 506 companies in the Insurance industry, which is above the industry midpoint. Overall, Al Dhafra Insurance Co PSC has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Dhafra Insurance Co PSC's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Dhafra Insurance Co PSC ranks #239 out of 506 companies for Return-on-Tangible-Asset. This puts Al Dhafra Insurance Co PSC in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.86. Al Dhafra Insurance Co PSC's value of 6.62% is 131.9% above this benchmark. Historically, Al Dhafra Insurance Co PSC's own Return-on-Tangible-Asset has ranged from 2.27 to 7.06 over the past decade. While the company's 10-year median is 3.72 vs. the industry median of 2.86, Al Dhafra Insurance Co 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.86, based on 506 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 Dhafra Insurance Co PSC's current Return-on-Tangible-Asset of 6.62% is 131.9% 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 Dhafra Insurance Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Dhafra Insurance Co PSC's current Return-on-Tangible-Asset is 6.62%, which is 78% above median its own 10-year median of 3.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Dhafra Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC (ADX:DHAFRA) is currently considered Significantly Overvalued. The stock's GF Value™ is د.إ5.67, compared to a current price of د.إ7.79 — trading 37.4% above its estimated fair value. The current Return-on-Tangible-Asset is 6.62%, which is 78% above median its 10-year median of 3.72 and 131.9% above the Insurance industry median of 2.86. Al Dhafra Insurance Co PSC's overall GF Score™ is 46/100 with 10 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 Dhafra Insurance Co PSC (ADX:DHAFRA), the current Return-on-Tangible-Asset is 6.62% 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 Al Dhafra Insurance Co PSC (ADX:DHAFRA) Overvalued in 2026?
Based on GuruFocus' analysis, Al Dhafra Insurance Co PSC stock appears to be overvalued.
The current stock price of د.إ7.79 is trading 37.4% above its estimated GF Value™ of د.إ5.67.
GuruFocus considers Al Dhafra Insurance Co PSC to be Significantly Overvalued.
Key valuation signals for ADX:DHAFRA:
Return-on-Tangible-Asset: 6.62% (78% above median its 10-year median of 3.72)
GF Value™: د.إ5.67 vs. price of د.إ7.79 (37.4% above fair value)
Industry Position: 131.9% above the Insurance median (#239 of 506)
No single metric tells the full story. See the ADX:DHAFRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Dhafra Insurance Co PSC is a direct Insurer in the U.A.E. market, underwriting both Life and Non-Life business. The classes of business underwritten by the company are Fire & General Accident; Contract Works and Contractor's Plant & Equipment; Electronic Equipment & Machinery Breakdown; Workmen's Compensation & Employer's Liability; Public Liability, Medical Malpractice and other Professional Indemnity risks; Marine Cargo, Marine Hull & Pleasure Craft; Oil & Gas on and offshore operations; Personal Accident, Medical & Life; Visit visa and House maid policies; and Motor. It operates in two segments namely Underwriting of general insurance business that incorporates all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous, and Investments.
46GF Score
Get the complete analysis for ADX:DHAFRA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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