Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Adamjee Insurance CoKAR:AICL -3.28%69 Return-on-Tangible-Asset is 1.60% as of Mar. 2026, which is 29% below its 10-year median of 2.25. GuruFocus rates KAR:AICL with a GF Score™ of 69/100 and a GF Value™ of ₨62.86 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 506 Insurance companies, Adamjee Insurance Co ranks worse than 57.71% 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. Adamjee Insurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ₨4,213 Mil. Adamjee Insurance Co's average total tangible assets for the quarter that ended in Mar. 2026 was ₨264,035 Mil. Therefore, Adamjee Insurance Co's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.60%.
The historical rank and industry rank for Adamjee Insurance Co's Return-on-Tangible-Asset or its related term are showing as below:
KAR:AICL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.52 Med: 2.25 Max: 6.05
Current: 2.06
During the past 13 years, Adamjee Insurance Co's highest Return-on-Tangible-Asset was 6.05%. The lowest was 1.52%. And the median was 2.25%.
KAR:AICL's Return-on-Tangible-Asset is ranked worse than 57.71% of 506
companies
in the Insurance industry
Industry Median: 2.725
vs KAR:AICL: 2.06
Adamjee Insurance Co (KAR:AICL) 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.
Adamjee Insurance Co Return-on-Tangible-Asset Related Terms
Adamjee Insurance Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Adamjee Insurance Co'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.
Adamjee Insurance Co Return-on-Tangible-Asset Chart
KAR:AICL vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Adamjee Insurance Co'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.
Adamjee Insurance Co Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Adamjee Insurance Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Adamjee Insurance Co'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 1.60% mean?
Adamjee Insurance Co (KAR:AICL) has a Return-on-Tangible-Asset of 1.60% 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 Adamjee Insurance Co and its competitors. This is 29% below median its historical median of 2.25. Over the past decade, Adamjee Insurance Co's Return-on-Tangible-Asset has ranged from 1.52 to 6.05. According to the industry distribution chart, Adamjee Insurance Co ranks #292 out of 506 companies in the Insurance industry, placing it in the top 57.7%.
Is Adamjee Insurance Co's Return-on-Tangible-Asset too high?
Adamjee Insurance Co's current Return-on-Tangible-Asset of 1.60% is 29% below median its 10-year median of 2.25. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 6.05. The Insurance industry median Return-on-Tangible-Asset is 2.73. Adamjee Insurance Co's value of 1.60% is 41.3% below this industry median. Based on the distribution chart, Adamjee Insurance Co ranks #292 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Adamjee Insurance Co has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #292 out of 506 companies for Return-on-Tangible-Asset. This places Adamjee Insurance Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.73. Adamjee Insurance Co's value of 1.60% is 41.3% below this benchmark. Historically, Adamjee Insurance Co's own Return-on-Tangible-Asset has ranged from 1.52 to 6.05 over the past decade. While the company's 10-year median is 2.25 vs. the industry median of 2.73, Adamjee Insurance Co 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 2.73, based on 506 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. Adamjee Insurance Co's current Return-on-Tangible-Asset of 1.60% is 41.3% 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 Adamjee Insurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Insurance Co's current Return-on-Tangible-Asset is 1.60%, which is 29% below median its own 10-year median of 2.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨62.86, compared to a current price of ₨83.81 — trading 33.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.60%, which is 29% below median its 10-year median of 2.25 and 41.3% below the Insurance industry median of 2.73. Adamjee Insurance Co's overall GF Score™ is 69/100 with 3 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 Adamjee Insurance Co (KAR:AICL), the current Return-on-Tangible-Asset is 1.60% 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?
Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued.
The current stock price of ₨83.81 is trading 33.3% above its estimated GF Value™ of ₨62.86.
GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.
Key valuation signals for KAR:AICL:
Return-on-Tangible-Asset: 1.60% (29% below median its 10-year median of 2.25)
GF Value™: ₨62.86 vs. price of ₨83.81 (33.3% above fair value)
Industry Position: 41.3% below the Insurance median (#292 of 506)
No single metric tells the full story. See the KAR:AICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
69GF Score
Get the complete analysis for KAR:AICL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:AICL has been successfully added to your 
