Sharjah Insurance Co PSCADX:SICO 32 Return-on-Tangible-Equity is 21.15% as of Dec. 2025, which is 157% above its 10-year median of 8.23. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 500 Insurance companies, Sharjah Insurance Co PSC ranks better than 69.8% 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. Sharjah Insurance Co PSC's annualized net income for the quarter that ended in Dec. 2025 was د.إ59.80 Mil. Sharjah Insurance Co PSC's average shareholder tangible equity for the quarter that ended in Dec. 2025 was د.إ282.79 Mil. Therefore, Sharjah Insurance Co PSC's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 21.15%.
The historical rank and industry rank for Sharjah Insurance Co PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:SICO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.79 Med: 8.23 Max: 21.15
Current: 21.15
During the past 13 years, Sharjah Insurance Co PSC's highest Return-on-Tangible-Equity was 21.15%. The lowest was -4.79%. And the median was 8.23%.
ADX:SICO's Return-on-Tangible-Equity is ranked better than 69.8% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs ADX:SICO: 21.15
Sharjah Insurance Co PSC (ADX:SICO) 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.
Sharjah Insurance Co PSC Return-on-Tangible-Equity Related Terms
Sharjah Insurance Co PSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sharjah 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.
Sharjah Insurance Co PSC Return-on-Tangible-Equity Chart
ADX:SICO vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Sharjah 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.
Sharjah Insurance Co PSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sharjah 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 21.15% mean?
Sharjah Insurance Co PSC (ADX:SICO) has a Return-on-Tangible-Equity of 21.15% 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 Sharjah Insurance Co PSC and its competitors. This is 157% above median its historical median of 8.23. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #151 out of 500 companies in the Insurance industry, placing it in the top 30.2%.
Is Sharjah Insurance Co PSC's Return-on-Tangible-Equity too high?
Sharjah Insurance Co PSC's current Return-on-Tangible-Equity of 21.15% is 157% above median its 10-year median of 8.23. The Insurance industry median Return-on-Tangible-Equity is 13.52. Sharjah Insurance Co PSC's value of 21.15% is 56.5% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #151 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #151 out of 500 companies for Return-on-Tangible-Equity. This puts Sharjah Insurance Co PSC in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Sharjah Insurance Co PSC's value of 21.15% is 56.5% above this benchmark. While the company's 10-year median is 8.23 vs. the industry median of 13.52, Sharjah Insurance Co PSC has consistently been above 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 13.52, based on 500 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. Sharjah Insurance Co PSC's current Return-on-Tangible-Equity of 21.15% is 56.5% 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 Sharjah Insurance Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Insurance Co PSC's current Return-on-Tangible-Equity is 21.15%, which is 157% above median its own 10-year median of 8.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current Return-on-Tangible-Equity of 21.15%. The current Return-on-Tangible-Equity is 21.15%, which is 157% above median its 10-year median of 8.23 and 56.5% above the Insurance industry median of 13.52. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current Return-on-Tangible-Equity is 21.15% 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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