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The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) 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.
The Mediterranean and Gulf Insurance and Reinsurance Co Return-on-Tangible-Asset Related Terms
The Mediterranean and Gulf Insurance and Reinsurance 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.
The Mediterranean and Gulf Insurance and Reinsurance Co Return-on-Tangible-Asset Chart
The Mediterranean and Gulf Insurance and Reinsurance Co Annual Data
* 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.
The Mediterranean and Gulf Insurance and Reinsurance Co Return-on-Tangible-Asset vs Insurance Industry
* 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 4.73% mean?
The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) has a Return-on-Tangible-Asset of 4.73% 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 The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. This is 651% above median its historical median of 0.63. According to the industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #293 out of 506 companies in the Insurance industry, placing it in the top 57.9%.
Is The Mediterranean and Gulf Insurance and Reinsurance Co's Return-on-Tangible-Asset too high?
The Mediterranean and Gulf Insurance and Reinsurance Co's current Return-on-Tangible-Asset of 4.73% is 651% above median its 10-year median of 0.63. The Insurance industry median Return-on-Tangible-Asset is 2.77. The Mediterranean and Gulf Insurance and Reinsurance Co's value of 4.73% is 70.8% above this industry median. Based on the distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #293 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, The Mediterranean and Gulf Insurance and Reinsurance Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Mediterranean and Gulf Insurance and Reinsurance Co's Return-on-Tangible-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #293 out of 506 companies for Return-on-Tangible-Asset. This places The Mediterranean and Gulf Insurance and Reinsurance Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.77. The Mediterranean and Gulf Insurance and Reinsurance Co's value of 4.73% is 70.8% above this benchmark. While the company's 10-year median is 0.63 vs. the industry median of 2.77, The Mediterranean and Gulf Insurance and Reinsurance 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 an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.77, 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. The Mediterranean and Gulf Insurance and Reinsurance Co's current Return-on-Tangible-Asset of 4.73% is 70.8% 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 The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Mediterranean and Gulf Insurance and Reinsurance Co's current Return-on-Tangible-Asset is 4.73%, which is 651% above median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Mediterranean and Gulf Insurance and Reinsurance Co stock overvalued right now?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.21, compared to a current price of ﷼16.90 — trading 23.9% below its estimated fair value. The current Return-on-Tangible-Asset is 4.73%, which is 651% above median its 10-year median of 0.63 and 70.8% above the Insurance industry median of 2.77. The Mediterranean and Gulf Insurance and Reinsurance Co's overall GF Score™ is 71/100 with 5 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 The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030), the current Return-on-Tangible-Asset is 4.73% 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 The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) Overvalued in 2026?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co stock appears to be undervalued.
The current stock price of ﷼16.90 is trading 23.9% below its estimated GF Value™ of ﷼22.21.
GuruFocus considers The Mediterranean and Gulf Insurance and Reinsurance Co to be Modestly Undervalued.
Key valuation signals for SAU:8030:
Return-on-Tangible-Asset: 4.73% (651% above median its 10-year median of 0.63)
GF Value™: ﷼22.21 vs. price of ﷼16.90 (23.9% below fair value)
Industry Position: 70.8% above the Insurance median (#293 of 506)
No single metric tells the full story. See the SAU:8030 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Mediterranean and Gulf Insurance and Reinsurance Co is a Saudi Arabian insurance company with objectives to transact in cooperative insurance and reinsurance business and related activities. Its principal lines of business include medical, motor and other general insurance. It has three reportable operating segments: Medical insurance, which is the key revenue driver, and covers medical costs, medicines, and all other medical services and supplies; Motor Insurance, which provides coverage against losses and liability related to motor vehicles; and Other classes, which covers any other classes of insurance not included above.
71GF Score
Get the complete analysis for SAU:8030
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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