Abu Dhabi Islamic Bank - EgyptCAI:ADIB -3.06%59 Return-on-Tangible-Equity is 41.04% as of Mar. 2026, which is 27% above its 10-year median of 32.29. GuruFocus rates CAI:ADIB with a GF Score™ of 59/100 and a GF Value™ of E£28.92 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Abu Dhabi Islamic Bank - Egypt ranks better than 98.29% 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. Abu Dhabi Islamic Bank - Egypt's annualized net income for the quarter that ended in Mar. 2026 was E£14,620 Mil. Abu Dhabi Islamic Bank - Egypt's average shareholder tangible equity for the quarter that ended in Mar. 2026 was E£35,626 Mil. Therefore, Abu Dhabi Islamic Bank - Egypt's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 41.04%.
The historical rank and industry rank for Abu Dhabi Islamic Bank - Egypt's Return-on-Tangible-Equity or its related term are showing as below:
CAI:ADIB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 23.52 Med: 32.29 Max: 48.41
Current: 42.48
During the past 13 years, Abu Dhabi Islamic Bank - Egypt's highest Return-on-Tangible-Equity was 48.41%. The lowest was 23.52%. And the median was 32.29%.
CAI:ADIB's Return-on-Tangible-Equity is ranked better than 98.29% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CAI:ADIB: 42.48
Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) 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 Islamic Bank - Egypt Return-on-Tangible-Equity Related Terms
Abu Dhabi Islamic Bank - Egypt 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 Islamic Bank - Egypt Return-on-Tangible-Equity Chart
Abu Dhabi Islamic Bank - Egypt Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Islamic Bank - Egypt'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 Islamic Bank - Egypt Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Islamic Bank - Egypt's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Islamic Bank - Egypt'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 (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 41.04% mean?
Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) has a Return-on-Tangible-Equity of 41.04% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Abu Dhabi Islamic Bank - Egypt and its competitors. This is 27% above median its historical median of 32.29. Over the past decade, Abu Dhabi Islamic Bank - Egypt's Return-on-Tangible-Equity has ranged from 23.52 to 48.41. According to the industry distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #26 out of 1521 companies in the Banks industry, placing it in the top 1.7%.
Is Abu Dhabi Islamic Bank - Egypt's Return-on-Tangible-Equity too high?
Abu Dhabi Islamic Bank - Egypt's current Return-on-Tangible-Equity of 41.04% is 27% above median its 10-year median of 32.29. Over the past 10 years, this metric has ranged from a low of 23.52 to a high of 48.41. The Banks industry median Return-on-Tangible-Equity is 11.19. Abu Dhabi Islamic Bank - Egypt's value of 41.04% is 266.8% above this industry median. Based on the distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #26 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Islamic Bank - Egypt has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank - Egypt's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Islamic Bank - Egypt ranks #26 out of 1521 companies for Return-on-Tangible-Equity. This places Abu Dhabi Islamic Bank - Egypt in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Abu Dhabi Islamic Bank - Egypt's value of 41.04% is 266.8% above this benchmark. Historically, Abu Dhabi Islamic Bank - Egypt's own Return-on-Tangible-Equity has ranged from 23.52 to 48.41 over the past decade. While the company's 10-year median is 32.29 vs. the industry median of 11.19, Abu Dhabi Islamic Bank - Egypt 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 a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 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 Islamic Bank - Egypt's current Return-on-Tangible-Equity of 41.04% is 266.8% 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 Islamic Bank - Egypt and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Islamic Bank - Egypt's current Return-on-Tangible-Equity is 41.04%, which is 27% above median its own 10-year median of 32.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Islamic Bank - Egypt stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank - Egypt (CAI:ADIB) is currently considered Significantly Overvalued. The stock's GF Value™ is E£28.92, compared to a current price of E£46.28 — trading 60% above its estimated fair value. The current Return-on-Tangible-Equity is 41.04%, which is 27% above median its 10-year median of 32.29 and 266.8% above the Banks industry median of 11.19. Abu Dhabi Islamic Bank - Egypt's overall GF Score™ is 59/100 with 5 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 Abu Dhabi Islamic Bank - Egypt (CAI:ADIB), the current Return-on-Tangible-Equity is 41.04% as of Mar. 2026. 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 Islamic Bank - Egypt (CAI:ADIB) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank - Egypt stock appears to be overvalued.
The current stock price of E£46.28 is trading 60% above its estimated GF Value™ of E£28.92.
GuruFocus considers Abu Dhabi Islamic Bank - Egypt to be Significantly Overvalued.
Key valuation signals for CAI:ADIB:
Return-on-Tangible-Equity: 41.04% (27% above median its 10-year median of 32.29)
GF Value™: E£28.92 vs. price of E£46.28 (60% above fair value)
Industry Position: 266.8% above the Banks median (#26 of 1521)
No single metric tells the full story. See the CAI:ADIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi Islamic Bank - Egypt Business Description
Abu Dhabi Islamic Bank - Egypt is engaged in the provision of banking services. The bank operates in the following segments :Large, medium and small enterprises, Investment, Retail, and other activities. It provides personal banking solutions comprising of current, SMART, tiered monthly saving account, wealth management services, bancassurance, and various credit and debit card facilities. Additionally, the bank renders corporate finance, and treasury services comprising of foreign exchange, sharia-compliant products, and market analysis. Further, it also grants Islamic options for the letter of guarantee and letter of credit.
59GF Score
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