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Amlak International Finance CoSAU:1182 +1.03%55 Return-on-Tangible-Asset is 2.15% as of Jun. 2026, which is 4% above its 10-year median of 2.06. GuruFocus rates SAU:1182 with a GF Score™ of 55/100 and a GF Value™ of ﷼20.49 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Amlak International Finance Co ranks better than 79.28% on this metric.
Amlak International Finance Co (SAU:1182) 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.
Amlak International Finance Co Return-on-Tangible-Asset Related Terms
Amlak International Finance Co Return-on-Tangible-Asset Historical Data
* 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.
Amlak International Finance Co Return-on-Tangible-Asset Chart
SAU:1182 vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Amlak International Finance 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.
Amlak International Finance Co Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Amlak International Finance Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Amlak International Finance 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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.15% mean?
Amlak International Finance Co (SAU:1182) has a Return-on-Tangible-Asset of 2.15% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Amlak International Finance Co and its competitors. This is near median its historical median of 2.06. Over the past decade, Amlak International Finance Co's Return-on-Tangible-Asset has ranged from 0.86 to 3.01. According to the industry distribution chart, Amlak International Finance Co ranks #316 out of 1525 companies in the Banks industry, placing it in the top 20.7%.
Is Amlak International Finance Co's Return-on-Tangible-Asset too high?
Amlak International Finance Co's current Return-on-Tangible-Asset of 2.15% is near median its 10-year median of 2.06. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 3.01. The Banks industry median Return-on-Tangible-Asset is 1.03. Amlak International Finance Co's value of 2.15% is 108.7% above this industry median. Based on the distribution chart, Amlak International Finance Co ranks #316 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak International Finance Co has a GF Score™ of 55/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Amlak International Finance Co's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak International Finance Co ranks #316 out of 1525 companies for Return-on-Tangible-Asset. This places Amlak International Finance Co in the top 21% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.03. Amlak International Finance Co's value of 2.15% is 108.7% above this benchmark. Historically, Amlak International Finance Co's own Return-on-Tangible-Asset has ranged from 0.86 to 3.01 over the past decade. While the company's 10-year median is 2.06 vs. the industry median of 1.03, Amlak International Finance Co 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 1.03, based on 1,525 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 International Finance Co's current Return-on-Tangible-Asset of 2.15% is 108.7% 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 International Finance Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amlak International Finance Co's current Return-on-Tangible-Asset is 2.15%, which is near median its own 10-year median of 2.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak International Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Amlak International Finance Co (SAU:1182) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼20.49, compared to a current price of ﷼8.87 — trading 56.7% below its estimated fair value. The current Return-on-Tangible-Asset is 2.15%, which is near median its 10-year median of 2.06 and 108.7% above the Banks industry median of 1.03. Amlak International Finance Co's overall GF Score™ is 55/100 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 Amlak International Finance Co (SAU:1182), the current Return-on-Tangible-Asset is 2.15% as of Jun. 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 Amlak International Finance Co (SAU:1182) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak International Finance Co stock appears to be undervalued.
The current stock price of ﷼8.87 is trading 56.7% below its estimated GF Value™ of ﷼20.49.
GuruFocus considers Amlak International Finance Co to be Significantly Undervalued.
Key valuation signals for SAU:1182:
Return-on-Tangible-Asset: 2.15% (near median its 10-year median of 2.06)
GF Value™: ﷼20.49 vs. price of ﷼8.87 (56.7% below fair value)
Industry Position: 108.7% above the Banks median (#316 of 1525)
No single metric tells the full story. See the SAU:1182 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak International Finance Co provide real estate financing, SMEs financing and personal financing in the Kingdom of Saudi Arabia. Its segments include Retail represent finance products granted to small and medium sized businesses under self-employed category and individuals; Corporate represents financing products granted to corporate, SMEs, high net worth individuals and institutional customers; and Head office. The majority of the revenue is derived from Retail segment.
55GF Score
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