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United Arab Bank PJSCADX:UAB 60 Return-on-Tangible-Asset is 1.12% as of Mar. 2026, which is 167% above its 10-year median of 0.42. GuruFocus rates ADX:UAB with a GF Score™ of 60/100 and a GF Value™ of د.إ1.25 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, United Arab Bank PJSC ranks better than 81.16% 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. United Arab Bank PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ300.3 Mil. United Arab Bank PJSC's average total tangible assets for the quarter that ended in Mar. 2026 was د.إ26,914.5 Mil. Therefore, United Arab Bank PJSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.12%.
The historical rank and industry rank for United Arab Bank PJSC's Return-on-Tangible-Asset or its related term are showing as below:
ADX:UAB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -3.93 Med: 0.42 Max: 1.81
Current: 1.64
During the past 13 years, United Arab Bank PJSC's highest Return-on-Tangible-Asset was 1.81%. The lowest was -3.93%. And the median was 0.42%.
ADX:UAB's Return-on-Tangible-Asset is ranked better than 81.16% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs ADX:UAB: 1.64
United Arab Bank PJSC (ADX:UAB) 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.
United Arab Bank PJSC Return-on-Tangible-Asset Related Terms
United Arab Bank PJSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for United Arab Bank 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.
United Arab Bank PJSC Return-on-Tangible-Asset Chart
United Arab Bank PJSC Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, United Arab Bank 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.
United Arab Bank PJSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, United Arab Bank PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where United Arab Bank 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 four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.12% mean?
United Arab Bank PJSC (ADX:UAB) has a Return-on-Tangible-Asset of 1.12% 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 United Arab Bank PJSC and its competitors. This is 167% above median its historical median of 0.42. According to the industry distribution chart, United Arab Bank PJSC ranks #287 out of 1523 companies in the Banks industry, placing it in the top 18.8%.
Is United Arab Bank PJSC's Return-on-Tangible-Asset too high?
United Arab Bank PJSC's current Return-on-Tangible-Asset of 1.12% is 167% above median its 10-year median of 0.42. The Banks industry median Return-on-Tangible-Asset is 0.99. United Arab Bank PJSC's value of 1.12% is 13.1% above this industry median. Based on the distribution chart, United Arab Bank PJSC ranks #287 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Arab Bank PJSC has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, United Arab Bank PJSC ranks #287 out of 1523 companies for Return-on-Tangible-Asset. This places United Arab Bank PJSC in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. United Arab Bank PJSC's value of 1.12% is 13.1% above this benchmark. While the company's 10-year median is 0.42 vs. the industry median of 0.99, United Arab Bank 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 a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,523 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. United Arab Bank PJSC's current Return-on-Tangible-Asset of 1.12% is 13.1% 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 United Arab Bank PJSC and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Arab Bank PJSC's current Return-on-Tangible-Asset is 1.12%, which is 167% above median its own 10-year median of 0.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.25, compared to a current price of د.إ1.33 — trading 6.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.12%, which is 167% above median its 10-year median of 0.42 and 13.1% above the Banks industry median of 0.99. United Arab Bank PJSC's overall GF Score™ is 60/100 with 6 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 United Arab Bank PJSC (ADX:UAB), the current Return-on-Tangible-Asset is 1.12% 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?
Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued.
The current stock price of د.إ1.33 is trading 6.4% above its estimated GF Value™ of د.إ1.25.
GuruFocus considers United Arab Bank PJSC to be Fairly Valued.
Key valuation signals for ADX:UAB:
Return-on-Tangible-Asset: 1.12% (167% above median its 10-year median of 0.42)
GF Value™: د.إ1.25 vs. price of د.إ1.33 (6.4% above fair value)
Industry Position: 13.1% above the Banks median (#287 of 1523)
No single metric tells the full story. See the ADX:UAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
60GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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