AtlantaSanadCAS:ATL +0.99%56 Return-on-Tangible-Equity is 16.05% as of Dec. 2025, which is 19% below its 10-year median of 19.72. GuruFocus rates CAS:ATL with a GF Score™ of 56/100 and a GF Value™ of MAD160.29 (Modestly Undervalued). Among 501 Insurance companies, AtlantaSanad ranks better than 66.67% 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. AtlantaSanad's annualized net income for the quarter that ended in Dec. 2025 was MAD383 Mil. AtlantaSanad's average shareholder tangible equity for the quarter that ended in Dec. 2025 was MAD2,387 Mil. Therefore, AtlantaSanad's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 16.05%.
The historical rank and industry rank for AtlantaSanad's Return-on-Tangible-Equity or its related term are showing as below:
CAS:ATL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.57 Med: 19.72 Max: 22.38
Current: 19.65
During the past 13 years, AtlantaSanad's highest Return-on-Tangible-Equity was 22.38%. The lowest was 11.57%. And the median was 19.72%.
CAS:ATL's Return-on-Tangible-Equity is ranked better than 66.67% of 501
companies
in the Insurance industry
Industry Median: 13.51
vs CAS:ATL: 19.65
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.
AtlantaSanad Return-on-Tangible-Equity Related Terms
AtlantaSanad Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for AtlantaSanad'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.
CAS:ATL vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, AtlantaSanad'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.
AtlantaSanad Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, AtlantaSanad's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where AtlantaSanad'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 two times the semi-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 16.05% mean?
AtlantaSanad (CAS:ATL) has a Return-on-Tangible-Equity of 16.05% 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 AtlantaSanad and its competitors. This is 19% below median its historical median of 19.72. Over the past decade, AtlantaSanad's Return-on-Tangible-Equity has ranged from 11.57 to 22.38. According to the industry distribution chart, AtlantaSanad ranks #167 out of 501 companies in the Insurance industry, placing it in the top 33.3%.
Is AtlantaSanad's Return-on-Tangible-Equity too high?
AtlantaSanad's current Return-on-Tangible-Equity of 16.05% is 19% below median its 10-year median of 19.72. Over the past 10 years, this metric has ranged from a low of 11.57 to a high of 22.38. The Insurance industry median Return-on-Tangible-Equity is 13.51. AtlantaSanad's value of 16.05% is 18.8% above this industry median. Based on the distribution chart, AtlantaSanad ranks #167 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, AtlantaSanad has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AtlantaSanad's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, AtlantaSanad ranks #167 out of 501 companies for Return-on-Tangible-Equity. This puts AtlantaSanad in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.51. AtlantaSanad's value of 16.05% is 18.8% above this benchmark. Historically, AtlantaSanad's own Return-on-Tangible-Equity has ranged from 11.57 to 22.38 over the past decade. While the company's 10-year median is 19.72 vs. the industry median of 13.51, AtlantaSanad 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 13.51, based on 501 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. AtlantaSanad's current Return-on-Tangible-Equity of 16.05% is 18.8% 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 AtlantaSanad and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AtlantaSanad's current Return-on-Tangible-Equity is 16.05%, which is 19% below median its own 10-year median of 19.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AtlantaSanad stock overvalued right now?
Based on GuruFocus' analysis, AtlantaSanad (CAS:ATL) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD160.29, compared to a current price of MAD127.85 — trading 20.2% below its estimated fair value. The current Return-on-Tangible-Equity is 16.05%, which is 19% below median its 10-year median of 19.72 and 18.8% above the Insurance industry median of 13.51. AtlantaSanad's overall GF Score™ is 56/100. 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 AtlantaSanad (CAS:ATL), the current Return-on-Tangible-Equity is 16.05% 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 AtlantaSanad (CAS:ATL) Overvalued in 2026?
Based on GuruFocus' analysis, AtlantaSanad stock appears to be undervalued.
The current stock price of MAD127.85 is trading 20.2% below its estimated GF Value™ of MAD160.29.
GuruFocus considers AtlantaSanad to be Modestly Undervalued.
Key valuation signals for CAS:ATL:
Return-on-Tangible-Equity: 16.05% (19% below median its 10-year median of 19.72)
GF Value™: MAD160.29 vs. price of MAD127.85 (20.2% below fair value)
Industry Position: 18.8% above the Insurance median (#167 of 501)
No single metric tells the full story. See the CAS:ATL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AtlantaSanad is engaged in provision of insurance services. It provides automotive insurance, dwelling insurance, health and provident insurance, among others.
56GF Score
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