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Amlak Finance PJSCDFM:AMLAK -1.69%26 Return-on-Tangible-Asset is 6.01% as of Mar. 2026, which is 432% above its 10-year median of 1.13. GuruFocus rates DFM:AMLAK with a GF Score™ of 26/100. The stock has 1 warning sign investors should review. Among 1,529 Banks companies, Amlak Finance PJSC ranks better than 99.8% 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. Amlak Finance PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ207 Mil. Amlak Finance PJSC's average total tangible assets for the quarter that ended in Mar. 2026 was د.إ3,439 Mil. Therefore, Amlak Finance PJSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 6.01%.
The historical rank and industry rank for Amlak Finance PJSC's Return-on-Tangible-Asset or its related term are showing as below:
DFM:AMLAK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -9.7 Med: 1.13 Max: 50.62
Current: 49.29
During the past 13 years, Amlak Finance PJSC's highest Return-on-Tangible-Asset was 50.62%. The lowest was -9.70%. And the median was 1.13%.
DFM:AMLAK's Return-on-Tangible-Asset is ranked better than 99.8% of 1529
companies
in the Banks industry
Industry Median: 1
vs DFM:AMLAK: 49.29
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.
Amlak Finance PJSC Return-on-Tangible-Asset Related Terms
Amlak Finance PJSC Return-on-Tangible-Asset Historical Data
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The historical data trend for Amlak Finance 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.
DFM:AMLAK vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Amlak Finance 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.
Amlak Finance PJSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Amlak Finance PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Amlak Finance 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 6.01% mean?
Amlak Finance PJSC (DFM:AMLAK) has a Return-on-Tangible-Asset of 6.01% 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 Amlak Finance PJSC and its competitors. This is 432% above median its historical median of 1.13. According to the industry distribution chart, Amlak Finance PJSC ranks #3 out of 1529 companies in the Banks industry, placing it in the top 0.2%.
Is Amlak Finance PJSC's Return-on-Tangible-Asset too high?
Amlak Finance PJSC's current Return-on-Tangible-Asset of 6.01% is 432% above median its 10-year median of 1.13. The Banks industry median Return-on-Tangible-Asset is 1.00. Amlak Finance PJSC's value of 6.01% is 501% above this industry median. Based on the distribution chart, Amlak Finance PJSC ranks #3 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak Finance PJSC has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #3 out of 1529 companies for Return-on-Tangible-Asset. This places Amlak Finance PJSC in the top 0% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.00. Amlak Finance PJSC's value of 6.01% is 501% above this benchmark. While the company's 10-year median is 1.13 vs. the industry median of 1.00, Amlak Finance 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 1.00, based on 1,529 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. Amlak Finance PJSC's current Return-on-Tangible-Asset of 6.01% is 501% 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 Amlak Finance PJSC 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. Amlak Finance PJSC's current Return-on-Tangible-Asset is 6.01%, which is 432% above median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Amlak Finance PJSC (DFM:AMLAK) has a current Return-on-Tangible-Asset of 6.01%. The current Return-on-Tangible-Asset is 6.01%, which is 432% above median its 10-year median of 1.13 and 501% above the Banks industry median of 1.00. Amlak Finance PJSC's overall GF Score™ is 26/100 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 Amlak Finance PJSC (DFM:AMLAK), the current Return-on-Tangible-Asset is 6.01% 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.
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
26GF Score
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