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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. Morabaha Marina Financing Co's annualized net income for the quarter that ended in Mar. 2026 was ﷼-14.0 Mil. Morabaha Marina Financing Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ﷼775.0 Mil. Therefore, Morabaha Marina Financing Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -1.81%.
The historical rank and industry rank for Morabaha Marina Financing Co's Return-on-Tangible-Equity or its related term are showing as below:
SAU:4082'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -1.07 Med: 4.75 Max: 11.32
Current: -1.07
During the past 5 years, Morabaha Marina Financing Co's highest Return-on-Tangible-Equity was 11.32%. The lowest was -1.07%. And the median was 4.75%.
SAU:4082's Return-on-Tangible-Equity is ranked worse than 81.18% of 526
companies
in the Credit Services industry
Industry Median: 7.03
vs SAU:4082: -1.07
Morabaha Marina Financing Co (SAU:4082) 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.
Morabaha Marina Financing Co Return-on-Tangible-Equity Related Terms
Morabaha Marina Financing Co 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.
Morabaha Marina Financing Co Return-on-Tangible-Equity Chart
SAU:4082 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Morabaha Marina Financing Co'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.
Morabaha Marina Financing Co Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Morabaha Marina Financing Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Morabaha Marina Financing Co'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 -1.81% mean?
Morabaha Marina Financing Co (SAU:4082) has a Return-on-Tangible-Equity of -1.81% 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 Morabaha Marina Financing Co and its competitors. According to the industry distribution chart, Morabaha Marina Financing Co ranks #427 out of 526 companies in the Credit Services industry, placing it in the top 81.2%.
Is Morabaha Marina Financing Co's Return-on-Tangible-Equity too high?
Morabaha Marina Financing Co's current Return-on-Tangible-Equity is -1.81%. Based on the distribution chart, Morabaha Marina Financing Co ranks #427 out of 526 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Morabaha Marina Financing Co has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Morabaha Marina Financing Co's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Morabaha Marina Financing Co ranks #427 out of 526 companies for Return-on-Tangible-Equity. This places Morabaha Marina Financing Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.03. 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 Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.03, based on 526 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 Morabaha Marina Financing Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Morabaha Marina Financing Co's current Return-on-Tangible-Equity is -1.81%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morabaha Marina Financing Co stock overvalued right now?
Based on GuruFocus' analysis, Morabaha Marina Financing Co (SAU:4082) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼11.62, compared to a current price of ﷼7.51 — trading 35.4% below its estimated fair value. The current Return-on-Tangible-Equity is -1.81%. Morabaha Marina Financing Co's overall GF Score™ is 52/100 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 Morabaha Marina Financing Co (SAU:4082), the current Return-on-Tangible-Equity is -1.81% 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 Morabaha Marina Financing Co (SAU:4082) Overvalued in 2026?
Based on GuruFocus' analysis, Morabaha Marina Financing Co stock appears to be undervalued.
The current stock price of ﷼7.51 is trading 35.4% below its estimated GF Value™ of ﷼11.62.
GuruFocus considers Morabaha Marina Financing Co to be Possible Value Trap.
Key valuation signals for SAU:4082:
Return-on-Tangible-Equity: -1.81%
GF Value™: ﷼11.62 vs. price of ﷼7.51 (35.4% below fair value)
No single metric tells the full story. See the SAU:4082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morabaha Marina Financing Co provides non-bank financing. The company follows Sharia principles and offers flexible solutions in financing individuals and small and medium enterprises in the Kingdom of Saudi Arabia, in addition to evolved financing solutions such as tawarruq, ejara, and morabaha products. Its services, like individual financing, securitization, financial leasing, discounting, etc, are offered through a network of brand offices and point of sale centers across different cities in Saudi Arabia. Additionally, the company also offers electronic payment services and is developing digital channels to offer financial solutions through its official website. Its operating business segments are: Retail, which generates the maximum revenue, SMEs, Digital Payments, and Head Office.
52GF Score
Get the complete analysis for SAU:4082
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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