Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Al Ain Ahlia Insurance Co PSC's annualized net income for the quarter that ended in Dec. 2025 was د.إ27.8 Mil. Al Ain Ahlia Insurance Co PSC's average shareholder tangible equity for the quarter that ended in Dec. 2025 was د.إ1,355.2 Mil. Therefore, Al Ain Ahlia Insurance Co PSC's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 2.05%.
The historical rank and industry rank for Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:ALAIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.13 Med: 4.42 Max: 6.74
Current: 2.05
During the past 13 years, Al Ain Ahlia Insurance Co PSC's highest Return-on-Tangible-Equity was 6.74%. The lowest was -2.13%. And the median was 4.42%.
ADX:ALAIN's Return-on-Tangible-Equity is not ranked
in the Insurance industry.
Industry Median: 13.51
vs ADX:ALAIN: 2.05
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Al Ain Ahlia Insurance Co PSC Return-on-Tangible-Equity Related Terms
Al Ain Ahlia Insurance Co PSC Return-on-Tangible-Equity 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.
Al Ain Ahlia Insurance Co PSC Return-on-Tangible-Equity Chart
ADX:ALAIN vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Al Ain Ahlia Insurance Co PSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 2.05% mean?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a Return-on-Tangible-Equity of 2.05% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. This is 54% below median its historical median of 4.42.
Is Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity too high?
Al Ain Ahlia Insurance Co PSC's current Return-on-Tangible-Equity of 2.05% is 54% below median its 10-year median of 4.42. The Insurance industry median Return-on-Tangible-Equity is 13.51. Al Ain Ahlia Insurance Co PSC's value of 2.05% is 84.8% below this industry median. Overall, Al Ain Ahlia Insurance Co PSC has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity compare to BRK.A and AIG?
Al Ain Ahlia Insurance Co PSC's Return-on-Tangible-Equity of 2.05% can be compared against companies in the Insurance industry. The industry median Return-on-Tangible-Equity is 13.51. Al Ain Ahlia Insurance Co PSC's value of 2.05% is 84.8% below this benchmark. While the company's 10-year median is 4.42 vs. the industry median of 13.51, Al Ain Ahlia Insurance Co PSC 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Ain Ahlia Insurance Co PSC's current Return-on-Tangible-Equity of 2.05% is 84.8% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Ain Ahlia Insurance Co PSC's current Return-on-Tangible-Equity is 2.05%, which is 54% below median its own 10-year median of 4.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ain Ahlia Insurance Co PSC stock overvalued right now?
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a current Return-on-Tangible-Equity of 2.05%. The stock's GF Value™ is د.إ61.74, compared to a current price of د.إ31.50 — trading 49% below its estimated fair value. The current Return-on-Tangible-Equity is 2.05%, which is 54% below median its 10-year median of 4.42 and 84.8% below the Insurance industry median of 13.51. Al Ain Ahlia Insurance Co PSC's overall GF Score™ is 67/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Al Ain Ahlia Insurance Co PSC (ADX:ALAIN), the current Return-on-Tangible-Equity is 2.05% as of Dec. 2025. 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 Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) Overvalued in 2026?
Based on GuruFocus' analysis, Al Ain Ahlia Insurance Co PSC stock appears to be undervalued.
The current stock price of د.إ31.50 is trading 49% below its estimated GF Value™ of د.إ61.74.
Key valuation signals for ADX:ALAIN:
Return-on-Tangible-Equity: 2.05% (54% below median its 10-year median of 4.42)
GF Value™: د.إ61.74 vs. price of د.إ31.50 (49% below fair value)
Industry Position: 84.8% below the Insurance median
No single metric tells the full story. See the ADX:ALAIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Ain Ahlia Insurance Co PSC Business Description
Al Ain Ahlia Insurance Co PSC is an Abu Dhabi-based insurance company providing a range of insurance products and services including motor, engineering, health, property, marine, energy, and aviation insurance as well as reinsurance solutions. The company operates its business in two segments: Underwriting of General Insurance Business and Investments, out of which the company derives majority of its revenue from the Underwriting of General Insurance business in the form of insurance contracts and commission income incorporating all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous.
67GF Score
Get the complete analysis for ADX:ALAIN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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