Amlak Finance PJSCDFM:AMLAK +2.46%42 Return-on-Tangible-Equity is 6.57% as of Mar. 2026, which is 31% above its 10-year median of 5.03. GuruFocus rates DFM:AMLAK with a GF Score™ of 42/100 and a GF Value™ of د.إ19.69 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 1,521 Banks companies, Amlak Finance PJSC ranks better than 98.82% 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. Amlak Finance PJSC's annualized net income for the quarter that ended in Mar. 2026 was د.إ207 Mil. Amlak Finance PJSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was د.إ3,147 Mil. Therefore, Amlak Finance PJSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.57%.
The historical rank and industry rank for Amlak Finance PJSC's Return-on-Tangible-Equity or its related term are showing as below:
DFM:AMLAK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -94.82 Med: 5.03 Max: 148.49
Current: 63.42
During the past 13 years, Amlak Finance PJSC's highest Return-on-Tangible-Equity was 148.49%. The lowest was -94.82%. And the median was 5.03%.
DFM:AMLAK's Return-on-Tangible-Equity is ranked better than 98.82% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs DFM:AMLAK: 63.42
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.
Amlak Finance PJSC Return-on-Tangible-Equity Related Terms
Amlak Finance PJSC Return-on-Tangible-Equity Historical Data
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The historical data trend for Amlak Finance 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.
DFM:AMLAK vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Amlak Finance 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.
Amlak Finance PJSC Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Amlak Finance PJSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Amlak Finance 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 (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 6.57% mean?
Amlak Finance PJSC (DFM:AMLAK) has a Return-on-Tangible-Equity of 6.57% 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 Amlak Finance PJSC and its competitors. This is 31% above median its historical median of 5.03. According to the industry distribution chart, Amlak Finance PJSC ranks #18 out of 1521 companies in the Banks industry, placing it in the top 1.2%.
Is Amlak Finance PJSC's Return-on-Tangible-Equity too high?
Amlak Finance PJSC's current Return-on-Tangible-Equity of 6.57% is 31% above median its 10-year median of 5.03. The Banks industry median Return-on-Tangible-Equity is 11.19. Amlak Finance PJSC's value of 6.57% is 41.3% below this industry median. Based on the distribution chart, Amlak Finance PJSC ranks #18 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak Finance PJSC has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #18 out of 1521 companies for Return-on-Tangible-Equity. This places Amlak Finance PJSC in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Amlak Finance PJSC's value of 6.57% is 41.3% below this benchmark. While the company's 10-year median is 5.03 vs. the industry median of 11.19, Amlak Finance 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 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. Amlak Finance PJSC's current Return-on-Tangible-Equity of 6.57% is 41.3% 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 Amlak Finance PJSC 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. Amlak Finance PJSC's current Return-on-Tangible-Equity is 6.57%, which is 31% above median its own 10-year median of 5.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Based on GuruFocus' analysis, Amlak Finance PJSC (DFM:AMLAK) is currently considered Possible Value Trap. The stock's GF Value™ is د.إ19.69, compared to a current price of د.إ1.25 — trading 93.7% below its estimated fair value. The current Return-on-Tangible-Equity is 6.57%, which is 31% above median its 10-year median of 5.03 and 41.3% below the Banks industry median of 11.19. Amlak Finance PJSC's overall GF Score™ is 42/100 with 1 warning sign 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 Amlak Finance PJSC (DFM:AMLAK), the current Return-on-Tangible-Equity is 6.57% 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 Amlak Finance PJSC (DFM:AMLAK) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak Finance PJSC stock appears to be undervalued.
The current stock price of د.إ1.25 is trading 93.7% below its estimated GF Value™ of د.إ19.69.
GuruFocus considers Amlak Finance PJSC to be Possible Value Trap.
Key valuation signals for DFM:AMLAK:
Return-on-Tangible-Equity: 6.57% (31% above median its 10-year median of 5.03)
GF Value™: د.إ19.69 vs. price of د.إ1.25 (93.7% below fair value)
Industry Position: 41.3% below the Banks median (#18 of 1521)
No single metric tells the full story. See the DFM:AMLAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
42GF Score
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