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Finance House PJSCADX:FH 49 Return-on-Tangible-Equity is 7.78% as of Jun. 2025. GuruFocus rates ADX:FH with a GF Score™ of 49/100. Among 525 Credit Services companies, Finance House PJSC ranks worse than 58.29% 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. Finance House PJSC's annualized net income for the quarter that ended in Jun. 2025 was د.إ46.1 Mil. Finance House PJSC's average shareholder tangible equity for the quarter that ended in Jun. 2025 was د.إ593.3 Mil. Therefore, Finance House PJSC's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was 7.78%.
The historical rank and industry rank for Finance House PJSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:FH's Return-on-Tangible-Equity is not ranked *
in the Credit Services industry.
Industry Median: 7.01 * Ranked among companies with meaningful Return-on-Tangible-Equity only.
Finance House PJSC (ADX:FH) 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.
Finance House PJSC Return-on-Tangible-Equity Related Terms
Finance House PJSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Finance House PJSC'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.
Finance House PJSC Return-on-Tangible-Equity Chart
ADX:FH vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Finance House 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.
Finance House PJSC Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Finance House 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 four times the quarterly (Jun. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.78% mean?
Finance House PJSC (ADX:FH) has a Return-on-Tangible-Equity of 7.78% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Finance House PJSC and its competitors. According to the industry distribution chart, Finance House PJSC ranks #306 out of 525 companies in the Credit Services industry, placing it in the top 58.3%.
Is Finance House PJSC's Return-on-Tangible-Equity too high?
Finance House PJSC's current Return-on-Tangible-Equity is 7.78%. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Finance House PJSC's value of 7.78% is 11% above this industry median. Based on the distribution chart, Finance House PJSC ranks #306 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finance House PJSC has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Finance House PJSC ranks #306 out of 525 companies for Return-on-Tangible-Equity. This places Finance House PJSC in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Finance House PJSC's value of 7.78% is 11% above this benchmark. 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 a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 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. Finance House PJSC's current Return-on-Tangible-Equity of 7.78% is 11% 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-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 Finance House PJSC and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance House PJSC's current Return-on-Tangible-Equity is 7.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Finance House PJSC (ADX:FH) has a current Return-on-Tangible-Equity of 7.78%. The current Return-on-Tangible-Equity is 7.78% and 11% above the Credit Services industry median of 7.01. Finance House PJSC's overall GF Score™ is 49/100. 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 Finance House PJSC (ADX:FH), the current Return-on-Tangible-Equity is 7.78% as of Jun. 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.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF 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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