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Abu Dhabi National Takaful Co PSCADX:TKFL 72 Return-on-Tangible-Equity is 24.22% as of Dec. 2025, which is 21% above its 10-year median of 20.07. GuruFocus rates ADX:TKFL with a GF Score™ of 72/100 and a GF Value™ of د.إ8.30 (Significantly Undervalued). Among 496 Insurance companies, Abu Dhabi National Takaful Co PSC ranks better than 76.81% on this metric.
The historical rank and industry rank for Abu Dhabi National Takaful Co PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:TKFL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 16.61 Med: 20.07 Max: 24.22
Current: 24.22
During the past 13 years, Abu Dhabi National Takaful Co PSC's highest Return-on-Tangible-Equity was 24.22%. The lowest was 16.61%. And the median was 20.07%.
ADX:TKFL's Return-on-Tangible-Equity is ranked better than 76.81% of 496
companies
in the Insurance industry
Industry Median: 13.43
vs ADX:TKFL: 24.22
Abu Dhabi National Takaful Co PSC (ADX:TKFL) 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.
Abu Dhabi National Takaful Co PSC Return-on-Tangible-Equity Related Terms
Abu Dhabi National Takaful Co PSC 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.
Abu Dhabi National Takaful Co PSC Return-on-Tangible-Equity Chart
ADX:TKFL vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Abu Dhabi National Takaful 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.
Abu Dhabi National Takaful Co PSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Abu Dhabi National Takaful Co PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Abu Dhabi National Takaful 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 24.22% mean?
Abu Dhabi National Takaful Co PSC (ADX:TKFL) has a Return-on-Tangible-Equity of 24.22% 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 Abu Dhabi National Takaful Co PSC and its competitors. This is 21% above median its historical median of 20.07. Over the past decade, Abu Dhabi National Takaful Co PSC's Return-on-Tangible-Equity has ranged from 16.61 to 24.22. According to the industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #115 out of 496 companies in the Insurance industry, placing it in the top 23.2%.
Is Abu Dhabi National Takaful Co PSC's Return-on-Tangible-Equity too high?
Abu Dhabi National Takaful Co PSC's current Return-on-Tangible-Equity of 24.22% is 21% above median its 10-year median of 20.07. Over the past 10 years, this metric has ranged from a low of 16.61 to a high of 24.22. The Insurance industry median Return-on-Tangible-Equity is 13.43. Abu Dhabi National Takaful Co PSC's value of 24.22% is 80.3% above this industry median. Based on the distribution chart, Abu Dhabi National Takaful Co PSC ranks #115 out of 496 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi National Takaful Co PSC has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Takaful Co PSC's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #115 out of 496 companies for Return-on-Tangible-Equity. This places Abu Dhabi National Takaful Co PSC in the top 23% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.43. Abu Dhabi National Takaful Co PSC's value of 24.22% is 80.3% above this benchmark. Historically, Abu Dhabi National Takaful Co PSC's own Return-on-Tangible-Equity has ranged from 16.61 to 24.22 over the past decade. While the company's 10-year median is 20.07 vs. the industry median of 13.43, Abu Dhabi National Takaful 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 13.43, based on 496 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. Abu Dhabi National Takaful Co PSC's current Return-on-Tangible-Equity of 24.22% is 80.3% 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 Abu Dhabi National Takaful Co PSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Takaful Co PSC's current Return-on-Tangible-Equity is 24.22%, which is 21% above median its own 10-year median of 20.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Takaful Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC (ADX:TKFL) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ8.30, compared to a current price of د.إ4.62 — trading 44.3% below its estimated fair value. The current Return-on-Tangible-Equity is 24.22%, which is 21% above median its 10-year median of 20.07 and 80.3% above the Insurance industry median of 13.43. Abu Dhabi National Takaful Co PSC's overall GF Score™ is 72/100. 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL), the current Return-on-Tangible-Equity is 24.22% 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC stock appears to be undervalued.
The current stock price of د.إ4.62 is trading 44.3% below its estimated GF Value™ of د.إ8.30.
GuruFocus considers Abu Dhabi National Takaful Co PSC to be Significantly Undervalued.
Key valuation signals for ADX:TKFL:
Return-on-Tangible-Equity: 24.22% (21% above median its 10-year median of 20.07)
GF Value™: د.إ8.30 vs. price of د.إ4.62 (44.3% below fair value)
Industry Position: 80.3% above the Insurance median (#115 of 496)
No single metric tells the full story. See the ADX:TKFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi National Takaful Co PSC Business Description
Abu Dhabi National Takaful Co PSC is engaged in providing Takaful insurance solutions for the regional market. The company is licensed by the Ministry of Economy & Commerce as the first Takaful operator in the emirates of Abu Dhabi and is among the Islamic insurance companies operating in the United Arab Emirates. The company's core business activities and investments are conducted in accordance with the Islamic Sharia. The company has different types of products and services, which have been developed under the guidance of the Fatwa & Sharia Supervisory Board to meet the varying needs of clients in the field of Islamic finance.
72GF Score
Get the complete analysis for ADX:TKFL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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