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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. Takaful Al Emarat's annualized net income for the quarter that ended in Mar. 2026 was د.إ-54.8 Mil. Takaful Al Emarat's average shareholder tangible equity for the quarter that ended in Mar. 2026 was د.إ163.8 Mil. Therefore, Takaful Al Emarat's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -33.48%.
The historical rank and industry rank for Takaful Al Emarat's Return-on-Tangible-Equity or its related term are showing as below:
DFM:TAKAFUL-EM'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -199.47 Med: 9.33 Max: 18.18
Current: 3.28
During the past 13 years, Takaful Al Emarat's highest Return-on-Tangible-Equity was 18.18%. The lowest was -199.47%. And the median was 9.33%.
DFM:TAKAFUL-EM's Return-on-Tangible-Equity is ranked worse than 86.09% of 496
companies
in the Insurance industry
Industry Median: 13.505
vs DFM:TAKAFUL-EM: 3.28
Takaful Al Emarat (DFM:TAKAFUL-EM) 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.
Takaful Al Emarat Return-on-Tangible-Equity Related Terms
Takaful Al Emarat Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Takaful Al Emarat'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:TAKAFUL-EM vs FNF, AXS, FAF: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, Takaful Al Emarat'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.
Takaful Al Emarat Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Takaful Al Emarat's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Takaful Al Emarat'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 -33.48% mean?
Takaful Al Emarat (DFM:TAKAFUL-EM) has a Return-on-Tangible-Equity of -33.48% 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 Takaful Al Emarat and its competitors. According to the industry distribution chart, Takaful Al Emarat ranks #427 out of 496 companies in the Insurance industry, placing it in the top 86.1%.
Is Takaful Al Emarat's Return-on-Tangible-Equity too high?
Takaful Al Emarat's current Return-on-Tangible-Equity is -33.48%. Based on the distribution chart, Takaful Al Emarat ranks #427 out of 496 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Takaful Al Emarat has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Takaful Al Emarat's Return-on-Tangible-Equity compare to FNF and AXS?
According to the Insurance industry distribution chart, Takaful Al Emarat ranks #427 out of 496 companies for Return-on-Tangible-Equity. This places Takaful Al Emarat in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.51. 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 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. 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 Takaful Al Emarat 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. Takaful Al Emarat's current Return-on-Tangible-Equity is -33.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Takaful Al Emarat stock overvalued right now?
Based on GuruFocus' analysis, Takaful Al Emarat (DFM:TAKAFUL-EM) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.68 — trading 7.2% below its estimated fair value. The current Return-on-Tangible-Equity is -33.48%. Takaful Al Emarat's overall GF Score™ is 62/100 with 3 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 Takaful Al Emarat (DFM:TAKAFUL-EM), the current Return-on-Tangible-Equity is -33.48% 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 Takaful Al Emarat (DFM:TAKAFUL-EM) Overvalued in 2026?
Based on GuruFocus' analysis, Takaful Al Emarat stock appears to be undervalued.
The current stock price of د.إ1.68 is trading 7.2% below its estimated GF Value™ of د.إ1.81.
GuruFocus considers Takaful Al Emarat to be Fairly Valued.
Key valuation signals for DFM:TAKAFUL-EM:
Return-on-Tangible-Equity: -33.48%
GF Value™: د.إ1.81 vs. price of د.إ1.68 (7.2% below fair value)
No single metric tells the full story. See the DFM:TAKAFUL-EM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Takaful Al Emarat is engaged in the insurance business in the United Arab Emirates. The company provides health insurance, life insurance, and credit and savings insurance. Under personal insurance, it provides level term plans, a decreasing term plan, takaful growth plan, whole life plan, educational plan, wealth plan, and Travel protection plan. The company is organized into two business segments: Takaful and Investment operations. The Takaful operations comprise the takaful business undertaken by the group on behalf of policyholders, and Investment operations comprise investments and cash management of its accounts.
62GF Score
Get the complete analysis for DFM:TAKAFUL-EM
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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