Emirates Insurance Co PSCADX:EIC 58 Return-on-Tangible-Equity is 8.91% as of Dec. 2025, which is 11% below its 10-year median of 10.04. GuruFocus rates ADX:EIC with a GF Score™ of 58/100 and a GF Value™ of د.إ8.41 (Fairly Valued). Among 499 Insurance companies, Emirates Insurance Co PSC ranks worse than 60.12% on this metric.
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. Emirates Insurance Co PSC's annualized net income for the quarter that ended in Dec. 2025 was د.إ120.1 Mil. Emirates Insurance Co PSC's average shareholder tangible equity for the quarter that ended in Dec. 2025 was د.إ1,349.0 Mil. Therefore, Emirates Insurance Co PSC's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 8.91%.
The historical rank and industry rank for Emirates Insurance Co PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:EIC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.78 Med: 10.04 Max: 10.62
Current: 10.36
During the past 13 years, Emirates Insurance Co PSC's highest Return-on-Tangible-Equity was 10.62%. The lowest was 4.78%. And the median was 10.04%.
ADX:EIC's Return-on-Tangible-Equity is ranked worse than 60.12% of 499
companies
in the Insurance industry
Industry Median: 13.32
vs ADX:EIC: 10.36
Emirates Insurance Co PSC (ADX:EIC) 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.
Emirates Insurance Co PSC Return-on-Tangible-Equity Related Terms
Emirates Insurance Co PSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Emirates Insurance Co PSC's Return-on-Tangible-Equity can be seen below:
* 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.
Emirates Insurance Co PSC Return-on-Tangible-Equity Chart
ADX:EIC vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Emirates 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.
Emirates Insurance Co PSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Emirates Insurance Co PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Emirates 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 four times the quarterly (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 8.91% mean?
Emirates Insurance Co PSC (ADX:EIC) has a Return-on-Tangible-Equity of 8.91% 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 Emirates Insurance Co PSC and its competitors. This is 11% below median its historical median of 10.04. Over the past decade, Emirates Insurance Co PSC's Return-on-Tangible-Equity has ranged from 4.78 to 10.62. According to the industry distribution chart, Emirates Insurance Co PSC ranks #300 out of 499 companies in the Insurance industry, placing it in the top 60.1%.
Is Emirates Insurance Co PSC's Return-on-Tangible-Equity too high?
Emirates Insurance Co PSC's current Return-on-Tangible-Equity of 8.91% is 11% below median its 10-year median of 10.04. Over the past 10 years, this metric has ranged from a low of 4.78 to a high of 10.62. The Insurance industry median Return-on-Tangible-Equity is 13.32. Emirates Insurance Co PSC's value of 8.91% is 33.1% below this industry median. Based on the distribution chart, Emirates Insurance Co PSC ranks #300 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, Emirates Insurance Co PSC has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Emirates Insurance Co PSC's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Emirates Insurance Co PSC ranks #300 out of 499 companies for Return-on-Tangible-Equity. This places Emirates Insurance Co PSC in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.32. Emirates Insurance Co PSC's value of 8.91% is 33.1% below this benchmark. Historically, Emirates Insurance Co PSC's own Return-on-Tangible-Equity has ranged from 4.78 to 10.62 over the past decade. While the company's 10-year median is 10.04 vs. the industry median of 13.32, Emirates 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 13.32, 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. Emirates Insurance Co PSC's current Return-on-Tangible-Equity of 8.91% is 33.1% 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 Emirates Insurance Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Insurance Co PSC's current Return-on-Tangible-Equity is 8.91%, which is 11% below median its own 10-year median of 10.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Insurance Co PSC (ADX:EIC) is currently considered Fairly Valued. The stock's GF Value™ is د.إ8.41, compared to a current price of د.إ8.10 — trading 3.7% below its estimated fair value. The current Return-on-Tangible-Equity is 8.91%, which is 11% below median its 10-year median of 10.04 and 33.1% below the Insurance industry median of 13.32. Emirates Insurance Co PSC's overall GF Score™ is 58/100. 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 Emirates Insurance Co PSC (ADX:EIC), the current Return-on-Tangible-Equity is 8.91% 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 Emirates Insurance Co PSC (ADX:EIC) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates Insurance Co PSC stock appears to be undervalued.
The current stock price of د.إ8.10 is trading 3.7% below its estimated GF Value™ of د.إ8.41.
GuruFocus considers Emirates Insurance Co PSC to be Fairly Valued.
Key valuation signals for ADX:EIC:
Return-on-Tangible-Equity: 8.91% (11% below median its 10-year median of 10.04)
GF Value™: د.إ8.41 vs. price of د.إ8.10 (3.7% below fair value)
Industry Position: 33.1% below the Insurance median (#300 of 499)
No single metric tells the full story. See the ADX:EIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates Insurance Co PSC is mainly engaged in issuing short-term and long-term insurance contracts and trading in securities. It operates through two segments: Underwriting of general insurance business (Underwriting) and Investments. The Underwriting of general insurance business incorporates all classes of general insurance products offered by the company, such as fire, marine, motor, general accident, and miscellaneous. The Investments segment includes activities of investments in marketable equity securities and investment funds, bonds, term deposits with banks, investment properties, and other securities. The majority of the company's revenue is generated from the Underwriting segment. Geographically, it generates maximum revenue from the UAE, followed by Europe and the USA.
58GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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