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Finance House PJSCADX:FH 51 Return-on-Tangible-Equity is 1.37% as of Sep. 2025, which is 44% below its 10-year median of 2.43. GuruFocus rates ADX:FH with a GF Score™ of 51/100 and a GF Value™ of د.إ2.21 (Fairly Valued). The stock has 4 warning signs investors should review. Among 529 Credit Services companies, Finance House PJSC ranks worse than 65.03% 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 Sep. 2025 was د.إ8.1 Mil. Finance House PJSC's average shareholder tangible equity for the quarter that ended in Sep. 2025 was د.إ595.7 Mil. Therefore, Finance House PJSC's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was 1.37%.
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 Range Over the Past 10 Years
Min: 0.29 Med: 2.43 Max: 9.79
Current: 3.02
During the past 13 years, Finance House PJSC's highest Return-on-Tangible-Equity was 9.79%. The lowest was 0.29%. And the median was 2.43%.
ADX:FH's Return-on-Tangible-Equity is ranked worse than 65.03% of 529
companies
in the Credit Services industry
Industry Median: 7.22
vs ADX:FH: 3.02
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
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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 (Sep. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.37% mean?
Finance House PJSC (ADX:FH) has a Return-on-Tangible-Equity of 1.37% as of Sep. 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. This is 44% below median its historical median of 2.43. Over the past decade, Finance House PJSC's Return-on-Tangible-Equity has ranged from 0.29 to 9.79. According to the industry distribution chart, Finance House PJSC ranks #344 out of 529 companies in the Credit Services industry, placing it in the top 65%.
Is Finance House PJSC's Return-on-Tangible-Equity too high?
Finance House PJSC's current Return-on-Tangible-Equity of 1.37% is 44% below median its 10-year median of 2.43. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 9.79. The Credit Services industry median Return-on-Tangible-Equity is 7.22. Finance House PJSC's value of 1.37% is 81% below this industry median. Based on the distribution chart, Finance House PJSC ranks #344 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finance House PJSC has a GF Score™ of 51/100 and is considered Fairly Valued, 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 #344 out of 529 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 7.22. Finance House PJSC's value of 1.37% is 81% below this benchmark. Historically, Finance House PJSC's own Return-on-Tangible-Equity has ranged from 0.29 to 9.79 over the past decade. While the company's 10-year median is 2.43 vs. the industry median of 7.22, Finance House 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 a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.22, based on 529 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 1.37% is 81% 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 Finance House PJSC and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.22 — 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 1.37%, which is 44% below median its own 10-year median of 2.43. 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?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The stock's GF Value™ is د.إ2.21, compared to a current price of د.إ2.06 — trading 6.8% below its estimated fair value. The current Return-on-Tangible-Equity is 1.37%, which is 44% below median its 10-year median of 2.43 and 81% below the Credit Services industry median of 7.22. Finance House PJSC's overall GF Score™ is 51/100 with 4 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 Finance House PJSC (ADX:FH), the current Return-on-Tangible-Equity is 1.37% as of Sep. 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 Finance House PJSC (ADX:FH) Overvalued in 2026?
Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued.
The current stock price of د.إ2.06 is trading 6.8% below its estimated GF Value™ of د.إ2.21.
GuruFocus considers Finance House PJSC to be Fairly Valued.
Key valuation signals for ADX:FH:
Return-on-Tangible-Equity: 1.37% (44% below median its 10-year median of 2.43)
GF Value™: د.إ2.21 vs. price of د.إ2.06 (6.8% below fair value)
Industry Position: 81% below the Credit Services median (#344 of 529)
No single metric tells the full story. See the ADX:FH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
51GF Score
Get the complete analysis for ADX:FH
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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