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Al Madina Takaful Co.OGMUS:AMAT 37 Return-on-Tangible-Equity is 6.88% as of Mar. 2026, which is 84% above its 10-year median of 3.74. GuruFocus rates MUS:AMAT with a GF Score™ of 37/100 and a GF Value™ of ر.ع0.13 (Fairly Valued). The stock has 1 warning sign investors should review. Among 497 Insurance companies, Al Madina Takaful Co.OG ranks better than 66.6% 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. Al Madina Takaful Co.OG's annualized net income for the quarter that ended in Mar. 2026 was ر.ع1.60 Mil. Al Madina Takaful Co.OG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ر.ع23.27 Mil. Therefore, Al Madina Takaful Co.OG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.88%.
The historical rank and industry rank for Al Madina Takaful Co.OG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:AMAT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.55 Med: 3.74 Max: 19.16
Current: 19.16
During the past 13 years, Al Madina Takaful Co.OG's highest Return-on-Tangible-Equity was 19.16%. The lowest was 1.55%. And the median was 3.74%.
MUS:AMAT's Return-on-Tangible-Equity is ranked better than 66.6% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs MUS:AMAT: 19.16
Al Madina Takaful Co.OG (MUS:AMAT) 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.
Al Madina Takaful Co.OG Return-on-Tangible-Equity Related Terms
Al Madina Takaful Co.OG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Al Madina Takaful Co.OG'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.
Al Madina Takaful Co.OG Return-on-Tangible-Equity Chart
MUS:AMAT vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Al Madina Takaful Co.OG'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.
Al Madina Takaful Co.OG Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Madina Takaful Co.OG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Al Madina Takaful Co.OG'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 6.88% mean?
Al Madina Takaful Co.OG (MUS:AMAT) has a Return-on-Tangible-Equity of 6.88% 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 Al Madina Takaful Co.OG and its competitors. This is 84% above median its historical median of 3.74. Over the past decade, Al Madina Takaful Co.OG's Return-on-Tangible-Equity has ranged from 1.55 to 19.16. According to the industry distribution chart, Al Madina Takaful Co.OG ranks #166 out of 497 companies in the Insurance industry, placing it in the top 33.4%.
Is Al Madina Takaful Co.OG's Return-on-Tangible-Equity too high?
Al Madina Takaful Co.OG's current Return-on-Tangible-Equity of 6.88% is 84% above median its 10-year median of 3.74. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 19.16. The Insurance industry median Return-on-Tangible-Equity is 13.32. Al Madina Takaful Co.OG's value of 6.88% is 48.3% below this industry median. Based on the distribution chart, Al Madina Takaful Co.OG ranks #166 out of 497 companies in the Insurance industry, which is above the industry midpoint. Overall, Al Madina Takaful Co.OG has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Al Madina Takaful Co.OG's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Madina Takaful Co.OG ranks #166 out of 497 companies for Return-on-Tangible-Equity. This puts Al Madina Takaful Co.OG in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.32. Al Madina Takaful Co.OG's value of 6.88% is 48.3% below this benchmark. Historically, Al Madina Takaful Co.OG's own Return-on-Tangible-Equity has ranged from 1.55 to 19.16 over the past decade. While the company's 10-year median is 3.74 vs. the industry median of 13.32, Al Madina Takaful Co.OG 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 an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 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. Al Madina Takaful Co.OG's current Return-on-Tangible-Equity of 6.88% is 48.3% 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 Al Madina Takaful Co.OG and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Madina Takaful Co.OG's current Return-on-Tangible-Equity is 6.88%, which is 84% above median its own 10-year median of 3.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Madina Takaful Co.OG stock overvalued right now?
Based on GuruFocus' analysis, Al Madina Takaful Co.OG (MUS:AMAT) is currently considered Fairly Valued. The stock's GF Value™ is ر.ع0.13, compared to a current price of ر.ع0.12 — trading 6.9% below its estimated fair value. The current Return-on-Tangible-Equity is 6.88%, which is 84% above median its 10-year median of 3.74 and 48.3% below the Insurance industry median of 13.32. Al Madina Takaful Co.OG's overall GF Score™ is 37/100 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 Al Madina Takaful Co.OG (MUS:AMAT), the current Return-on-Tangible-Equity is 6.88% 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 Al Madina Takaful Co.OG (MUS:AMAT) Overvalued in 2026?
Based on GuruFocus' analysis, Al Madina Takaful Co.OG stock appears to be undervalued.
The current stock price of ر.ع0.12 is trading 6.9% below its estimated GF Value™ of ر.ع0.13.
GuruFocus considers Al Madina Takaful Co.OG to be Fairly Valued.
Key valuation signals for MUS:AMAT:
Return-on-Tangible-Equity: 6.88% (84% above median its 10-year median of 3.74)
GF Value™: ر.ع0.13 vs. price of ر.ع0.12 (6.9% below fair value)
Industry Position: 48.3% below the Insurance median (#166 of 497)
No single metric tells the full story. See the MUS:AMAT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Madina Takaful Co. SAOG is engaged in the business of takaful activities and investments by adopting the wakala and mudarabha model respectively, on behalf of the participants by the Islamic Sharia principles. The business operating segments are Family takaful and general takaful. It generates the majority of its revenue from General takaful, which contracts include Motor, marine and aviation, Fire, energy, medical, engineering, liability, and general accident contracts. Geographically, the operations of the company are located inside the Sultanate of Oman.
37GF Score
Get the complete analysis for MUS:AMAT
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