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Sharjah Insurance Co PSCADX:SICO 32 Return-on-Tangible-Asset is 16.37% as of Dec. 2025, which is 213% above its 10-year median of 5.23. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 507 Insurance companies, Sharjah Insurance Co PSC ranks better than 96.45% 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. Sharjah Insurance Co PSC's annualizedNet Income for the quarter that ended in Dec. 2025 was د.إ59.80 Mil. Sharjah Insurance Co PSC's average total tangible assets for the quarter that ended in Dec. 2025 was د.إ365.37 Mil. Therefore, Sharjah Insurance Co PSC's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 16.37%.
The historical rank and industry rank for Sharjah Insurance Co PSC's Return-on-Tangible-Asset or its related term are showing as below:
ADX:SICO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.01 Med: 5.23 Max: 16.37
Current: 16.37
During the past 13 years, Sharjah Insurance Co PSC's highest Return-on-Tangible-Asset was 16.37%. The lowest was -3.01%. And the median was 5.23%.
ADX:SICO's Return-on-Tangible-Asset is ranked better than 96.45% of 507
companies
in the Insurance industry
Industry Median: 2.74
vs ADX:SICO: 16.37
Sharjah Insurance Co PSC (ADX:SICO) 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.
Sharjah Insurance Co PSC Return-on-Tangible-Asset Related Terms
Sharjah Insurance Co PSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Sharjah Insurance Co PSC'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.
Sharjah Insurance Co PSC Return-on-Tangible-Asset Chart
ADX:SICO vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Sharjah 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.
Sharjah Insurance Co PSC Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sharjah 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 one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 16.37% mean?
Sharjah Insurance Co PSC (ADX:SICO) has a Return-on-Tangible-Asset of 16.37% 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 Sharjah Insurance Co PSC and its competitors. This is 213% above median its historical median of 5.23. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #18 out of 507 companies in the Insurance industry, placing it in the top 3.6%.
Is Sharjah Insurance Co PSC's Return-on-Tangible-Asset too high?
Sharjah Insurance Co PSC's current Return-on-Tangible-Asset of 16.37% is 213% above median its 10-year median of 5.23. The Insurance industry median Return-on-Tangible-Asset is 2.74. Sharjah Insurance Co PSC's value of 16.37% is 497.4% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #18 out of 507 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #18 out of 507 companies for Return-on-Tangible-Asset. This places Sharjah Insurance Co PSC in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.74. Sharjah Insurance Co PSC's value of 16.37% is 497.4% above this benchmark. While the company's 10-year median is 5.23 vs. the industry median of 2.74, Sharjah 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 2.74, 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. Sharjah Insurance Co PSC's current Return-on-Tangible-Asset of 16.37% is 497.4% 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 Sharjah Insurance Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Insurance Co PSC's current Return-on-Tangible-Asset is 16.37%, which is 213% above median its own 10-year median of 5.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current Return-on-Tangible-Asset of 16.37%. The current Return-on-Tangible-Asset is 16.37%, which is 213% above median its 10-year median of 5.23 and 497.4% above the Insurance industry median of 2.74. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current Return-on-Tangible-Asset is 16.37% 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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