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HAYAH Insurance Co PJSCADX:HAYAH 65 Return-on-Tangible-Asset is 0.72% as of Dec. 2025, which is 89% above its 10-year median of 0.38. GuruFocus rates ADX:HAYAH with a GF Score™ of 65/100 and a GF Value™ of د.إ1.84 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 509 Insurance companies, HAYAH Insurance Co PJSC ranks worse than 78.39% 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. HAYAH Insurance Co PJSC's annualizedNet Income for the quarter that ended in Dec. 2025 was د.إ1.67 Mil. HAYAH Insurance Co PJSC's average total tangible assets for the quarter that ended in Dec. 2025 was د.إ230.83 Mil. Therefore, HAYAH Insurance Co PJSC's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.72%.
The historical rank and industry rank for HAYAH Insurance Co PJSC's Return-on-Tangible-Asset or its related term are showing as below:
ADX:HAYAH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -9.76 Med: 0.38 Max: 4.17
Current: 0.72
During the past 13 years, HAYAH Insurance Co PJSC's highest Return-on-Tangible-Asset was 4.17%. The lowest was -9.76%. And the median was 0.38%.
ADX:HAYAH's Return-on-Tangible-Asset is ranked worse than 78.39% of 509
companies
in the Insurance industry
Industry Median: 2.83
vs ADX:HAYAH: 0.72
HAYAH Insurance Co PJSC (ADX:HAYAH) 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.
HAYAH Insurance Co PJSC Return-on-Tangible-Asset Related Terms
HAYAH Insurance Co PJSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for HAYAH Insurance Co PJSC's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
ADX:HAYAH vs AFL, MET: Return-on-Tangible-Asset Comparison
For the Insurance - Life subindustry, HAYAH 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.
HAYAH Insurance Co PJSC Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where HAYAH 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 0.72% mean?
HAYAH Insurance Co PJSC (ADX:HAYAH) has a Return-on-Tangible-Asset of 0.72% 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 HAYAH Insurance Co PJSC and its competitors. This is 89% above median its historical median of 0.38. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #399 out of 509 companies in the Insurance industry, placing it in the top 78.4%.
Is HAYAH Insurance Co PJSC's Return-on-Tangible-Asset too high?
HAYAH Insurance Co PJSC's current Return-on-Tangible-Asset of 0.72% is 89% above median its 10-year median of 0.38. The Insurance industry median Return-on-Tangible-Asset is 2.83. HAYAH Insurance Co PJSC's value of 0.72% is 74.6% below this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #399 out of 509 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's Return-on-Tangible-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #399 out of 509 companies for Return-on-Tangible-Asset. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.83. HAYAH Insurance Co PJSC's value of 0.72% is 74.6% below this benchmark. While the company's 10-year median is 0.38 vs. the industry median of 2.83, HAYAH Insurance Co PJSC has consistently been below 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 509 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. HAYAH Insurance Co PJSC's current Return-on-Tangible-Asset of 0.72% is 74.6% below 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 HAYAH 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. HAYAH Insurance Co PJSC's current Return-on-Tangible-Asset is 0.72%, which is 89% above median its own 10-year median of 0.38. 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.إ1.84, compared to a current price of د.إ1.34 — trading 27.2% below its estimated fair value. The current Return-on-Tangible-Asset is 0.72%, which is 89% above median its 10-year median of 0.38 and 74.6% below the Insurance industry median of 2.83. HAYAH Insurance Co PJSC's overall GF Score™ is 65/100 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 HAYAH Insurance Co PJSC (ADX:HAYAH), the current Return-on-Tangible-Asset is 0.72% 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.إ1.34 is trading 27.2% below its estimated GF Value™ of د.إ1.84.
GuruFocus considers HAYAH Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:HAYAH:
Return-on-Tangible-Asset: 0.72% (89% above median its 10-year median of 0.38)
GF Value™: د.إ1.84 vs. price of د.إ1.34 (27.2% below fair value)
Industry Position: 74.6% below the Insurance median (#399 of 509)
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 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.
65GF Score
Get the complete analysis for ADX:HAYAH
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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