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Al Wathba National Insurance Co PJSCADX:AWNIC 68 Return-on-Tangible-Equity is 7.75% as of Dec. 2025, which is 31% above its 10-year median of 5.92. GuruFocus rates ADX:AWNIC with a GF Score™ of 68/100 and a GF Value™ of د.إ7.37 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 497 Insurance companies, Al Wathba National Insurance Co PJSC ranks worse than 68.01% on this metric.
The historical rank and industry rank for Al Wathba National Insurance Co PJSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:AWNIC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.74 Med: 5.92 Max: 19.46
Current: 7.75
During the past 13 years, Al Wathba National Insurance Co PJSC's highest Return-on-Tangible-Equity was 19.46%. The lowest was 0.74%. And the median was 5.92%.
ADX:AWNIC's Return-on-Tangible-Equity is ranked worse than 68.01% of 497
companies
in the Insurance industry
Industry Median: 13.5
vs ADX:AWNIC: 7.75
Al Wathba National Insurance Co PJSC (ADX:AWNIC) 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 Wathba National Insurance Co PJSC Return-on-Tangible-Equity Related Terms
Al Wathba National Insurance Co PJSC 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 Wathba National Insurance Co PJSC Return-on-Tangible-Equity Chart
ADX:AWNIC vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC'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 Wathba National Insurance Co PJSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC'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 7.75% mean?
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a Return-on-Tangible-Equity of 7.75% 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 Wathba National Insurance Co PJSC and its competitors. This is 31% above median its historical median of 5.92. Over the past decade, Al Wathba National Insurance Co PJSC's Return-on-Tangible-Equity has ranged from 0.74 to 19.46. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #338 out of 497 companies in the Insurance industry, placing it in the top 68%.
Is Al Wathba National Insurance Co PJSC's Return-on-Tangible-Equity too high?
Al Wathba National Insurance Co PJSC's current Return-on-Tangible-Equity of 7.75% is 31% above median its 10-year median of 5.92. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 19.46. The Insurance industry median Return-on-Tangible-Equity is 13.50. Al Wathba National Insurance Co PJSC's value of 7.75% is 42.6% below this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #338 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #338 out of 497 companies for Return-on-Tangible-Equity. This places Al Wathba National Insurance Co PJSC in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.50. Al Wathba National Insurance Co PJSC's value of 7.75% is 42.6% below this benchmark. Historically, Al Wathba National Insurance Co PJSC's own Return-on-Tangible-Equity has ranged from 0.74 to 19.46 over the past decade. While the company's 10-year median is 5.92 vs. the industry median of 13.50, Al Wathba National Insurance Co PJSC 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 13.50, based on 497 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 Wathba National Insurance Co PJSC's current Return-on-Tangible-Equity of 7.75% is 42.6% 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 Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current Return-on-Tangible-Equity is 7.75%, which is 31% above median its own 10-year median of 5.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.37, compared to a current price of د.إ2.99 — trading 59.4% below its estimated fair value. The current Return-on-Tangible-Equity is 7.75%, which is 31% above median its 10-year median of 5.92 and 42.6% below the Insurance industry median of 13.50. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current Return-on-Tangible-Equity is 7.75% 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 Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ2.99 is trading 59.4% below its estimated GF Value™ of د.إ7.37.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
Return-on-Tangible-Equity: 7.75% (31% above median its 10-year median of 5.92)
GF Value™: د.إ7.37 vs. price of د.إ2.99 (59.4% below fair value)
Industry Position: 42.6% below the Insurance median (#338 of 497)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Wathba National Insurance Co PJSC Business Description
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
Get the complete analysis for ADX:AWNIC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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