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Al Baraka Bank EgyptCAI:SAUD +0.73%71 Return-on-Tangible-Asset is 2.19% as of Mar. 2026, which is 26% above its 10-year median of 1.74. GuruFocus rates CAI:SAUD with a GF Score™ of 71/100 and a GF Value™ of E£18.17 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Al Baraka Bank Egypt ranks better than 93.7% 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 Baraka Bank Egypt's annualizedNet Income for the quarter that ended in Mar. 2026 was E£3,265 Mil. Al Baraka Bank Egypt's average total tangible assets for the quarter that ended in Mar. 2026 was E£149,283 Mil. Therefore, Al Baraka Bank Egypt's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.19%.
The historical rank and industry rank for Al Baraka Bank Egypt's Return-on-Tangible-Asset or its related term are showing as below:
CAI:SAUD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.43 Med: 1.74 Max: 2.93
Current: 2.72
During the past 13 years, Al Baraka Bank Egypt's highest Return-on-Tangible-Asset was 2.93%. The lowest was 1.43%. And the median was 1.74%.
CAI:SAUD's Return-on-Tangible-Asset is ranked better than 93.7% of 1524
companies
in the Banks industry
Industry Median: 1
vs CAI:SAUD: 2.72
Al Baraka Bank Egypt (CAI:SAUD) 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 Baraka Bank Egypt Return-on-Tangible-Asset Related Terms
Al Baraka Bank Egypt Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Al Baraka Bank Egypt'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.
Al Baraka Bank Egypt Return-on-Tangible-Asset Chart
CAI:SAUD vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Al Baraka Bank Egypt'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 Baraka Bank Egypt Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Al Baraka Bank Egypt's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Al Baraka Bank Egypt'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 2.19% mean?
Al Baraka Bank Egypt (CAI:SAUD) has a Return-on-Tangible-Asset of 2.19% 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 Baraka Bank Egypt and its competitors. This is 26% above median its historical median of 1.74. Over the past decade, Al Baraka Bank Egypt's Return-on-Tangible-Asset has ranged from 1.43 to 2.93. According to the industry distribution chart, Al Baraka Bank Egypt ranks #96 out of 1524 companies in the Banks industry, placing it in the top 6.3%.
Is Al Baraka Bank Egypt's Return-on-Tangible-Asset too high?
Al Baraka Bank Egypt's current Return-on-Tangible-Asset of 2.19% is 26% above median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 1.43 to a high of 2.93. The Banks industry median Return-on-Tangible-Asset is 1.00. Al Baraka Bank Egypt's value of 2.19% is 119% above this industry median. Based on the distribution chart, Al Baraka Bank Egypt ranks #96 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Al Baraka Bank Egypt has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Baraka Bank Egypt's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Al Baraka Bank Egypt ranks #96 out of 1524 companies for Return-on-Tangible-Asset. This places Al Baraka Bank Egypt in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.00. Al Baraka Bank Egypt's value of 2.19% is 119% above this benchmark. Historically, Al Baraka Bank Egypt's own Return-on-Tangible-Asset has ranged from 1.43 to 2.93 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 1.00, Al Baraka Bank Egypt 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 1.00, based on 1,524 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 Baraka Bank Egypt's current Return-on-Tangible-Asset of 2.19% is 119% 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 Baraka Bank Egypt and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Baraka Bank Egypt's current Return-on-Tangible-Asset is 2.19%, which is 26% above median its own 10-year median of 1.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Baraka Bank Egypt stock overvalued right now?
Based on GuruFocus' analysis, Al Baraka Bank Egypt (CAI:SAUD) is currently considered Modestly Overvalued. The stock's GF Value™ is E£18.17, compared to a current price of E£22.11 — trading 21.7% above its estimated fair value. The current Return-on-Tangible-Asset is 2.19%, which is 26% above median its 10-year median of 1.74 and 119% above the Banks industry median of 1.00. Al Baraka Bank Egypt's overall GF Score™ is 71/100 with 1 warning sign 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 Baraka Bank Egypt (CAI:SAUD), the current Return-on-Tangible-Asset is 2.19% 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 Baraka Bank Egypt (CAI:SAUD) Overvalued in 2026?
Based on GuruFocus' analysis, Al Baraka Bank Egypt stock appears to be overvalued.
The current stock price of E£22.11 is trading 21.7% above its estimated GF Value™ of E£18.17.
GuruFocus considers Al Baraka Bank Egypt to be Modestly Overvalued.
Key valuation signals for CAI:SAUD:
Return-on-Tangible-Asset: 2.19% (26% above median its 10-year median of 1.74)
GF Value™: E£18.17 vs. price of E£22.11 (21.7% above fair value)
Industry Position: 119% above the Banks median (#96 of 1524)
No single metric tells the full story. See the CAI:SAUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Baraka Bank Egypt is a Sharia-compliant banking institution operating across Egypt, offering a comprehensive range of Islamic retail and corporate banking services. The Bank's operations are structured into two main business lines, corporate banking and retail banking, supported by a central corporate center responsible for funding and non-core activities such as the dealing room and proprietary operations. Its products and services include financing and credit facilities such as Musharaka and Mudaraba, as well as retail credit cards, personal financing, mortgages, savings products, debt instruments, and mutual funds.
71GF Score
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