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The historical rank and industry rank for Morabaha Marina Financing Co's Return-on-Tangible-Asset or its related term are showing as below:
SAU:4082'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.59 Med: 2.5 Max: 4.06
Current: -0.59
During the past 5 years, Morabaha Marina Financing Co's highest Return-on-Tangible-Asset was 4.06%. The lowest was -0.59%. And the median was 2.50%.
SAU:4082's Return-on-Tangible-Asset is ranked worse than 78.61% of 547
companies
in the Credit Services industry
Industry Median: 1.98
vs SAU:4082: -0.59
Morabaha Marina Financing Co (SAU:4082) 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.
Morabaha Marina Financing Co Return-on-Tangible-Asset Related Terms
Morabaha Marina Financing 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.
Morabaha Marina Financing Co Return-on-Tangible-Asset Chart
SAU:4082 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Morabaha Marina Financing 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.
Morabaha Marina Financing Co Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Morabaha Marina Financing Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Morabaha Marina Financing 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 -1.04% mean?
Morabaha Marina Financing Co (SAU:4082) has a Return-on-Tangible-Asset of -1.04% 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 Morabaha Marina Financing Co and its competitors. According to the industry distribution chart, Morabaha Marina Financing Co ranks #430 out of 547 companies in the Credit Services industry, placing it in the top 78.6%.
Is Morabaha Marina Financing Co's Return-on-Tangible-Asset too high?
Morabaha Marina Financing Co's current Return-on-Tangible-Asset is -1.04%. Based on the distribution chart, Morabaha Marina Financing Co ranks #430 out of 547 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Morabaha Marina Financing Co has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Morabaha Marina Financing Co's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Morabaha Marina Financing Co ranks #430 out of 547 companies for Return-on-Tangible-Asset. This places Morabaha Marina Financing Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.98. 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 Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.98, based on 547 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. 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 Morabaha Marina Financing Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Morabaha Marina Financing Co's current Return-on-Tangible-Asset is -1.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morabaha Marina Financing Co stock overvalued right now?
Based on GuruFocus' analysis, Morabaha Marina Financing Co (SAU:4082) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼11.70, compared to a current price of ﷼8.08 — trading 30.9% below its estimated fair value. The current Return-on-Tangible-Asset is -1.04%. Morabaha Marina Financing Co's overall GF Score™ is 53/100 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 Morabaha Marina Financing Co (SAU:4082), the current Return-on-Tangible-Asset is -1.04% 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 Morabaha Marina Financing Co (SAU:4082) Overvalued in 2026?
Based on GuruFocus' analysis, Morabaha Marina Financing Co stock appears to be undervalued.
The current stock price of ﷼8.08 is trading 30.9% below its estimated GF Value™ of ﷼11.70.
GuruFocus considers Morabaha Marina Financing Co to be Possible Value Trap.
Key valuation signals for SAU:4082:
Return-on-Tangible-Asset: -1.04%
GF Value™: ﷼11.70 vs. price of ﷼8.08 (30.9% below fair value)
No single metric tells the full story. See the SAU:4082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morabaha Marina Financing Co provides non-bank financing. The company follows Sharia principles and offers flexible solutions in financing individuals and small and medium enterprises in the Kingdom of Saudi Arabia, in addition to evolved financing solutions such as tawarruq, ejara, and morabaha products. Its services, like individual financing, securitization, financial leasing, discounting, etc, are offered through a network of brand offices and point of sale centers across different cities in Saudi Arabia. Additionally, the company also offers electronic payment services and is developing digital channels to offer financial solutions through its official website. Its operating business segments are: Retail, which generates the maximum revenue, SMEs, Digital Payments, and Head Office.
53GF Score
Get the complete analysis for SAU:4082
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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