Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Al Mashriq Insurance CoXPAE:MIC 81 Return-on-Tangible-Equity is 3.87% as of Dec. 2025, which is 68% below its 10-year median of 12.09. GuruFocus rates XPAE:MIC with a GF Score™ of 81/100 and a GF Value™ of $2.89 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 497 Insurance companies, Al Mashriq Insurance Co ranks worse than 87.53% 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 Mashriq Insurance Co's annualized net income for the quarter that ended in Dec. 2025 was $0.71 Mil. Al Mashriq Insurance Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $18.39 Mil. Therefore, Al Mashriq Insurance Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 3.87%.
The historical rank and industry rank for Al Mashriq Insurance Co's Return-on-Tangible-Equity or its related term are showing as below:
XPAE:MIC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.45 Med: 12.09 Max: 55.09
Current: 2.8
During the past 13 years, Al Mashriq Insurance Co's highest Return-on-Tangible-Equity was 55.09%. The lowest was 2.45%. And the median was 12.09%.
XPAE:MIC's Return-on-Tangible-Equity is ranked worse than 87.53% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs XPAE:MIC: 2.80
Al Mashriq Insurance Co (XPAE:MIC) 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 Mashriq Insurance Co Return-on-Tangible-Equity Related Terms
Al Mashriq Insurance Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Al Mashriq Insurance Co'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 Mashriq Insurance Co Return-on-Tangible-Equity Chart
XPAE:MIC vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Al Mashriq Insurance 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.
Al Mashriq Insurance Co Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Mashriq Insurance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Al Mashriq Insurance 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 (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 3.87% mean?
Al Mashriq Insurance Co (XPAE:MIC) has a Return-on-Tangible-Equity of 3.87% 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 Al Mashriq Insurance Co and its competitors. This is 68% below median its historical median of 12.09. Over the past decade, Al Mashriq Insurance Co's Return-on-Tangible-Equity has ranged from 2.45 to 55.09. According to the industry distribution chart, Al Mashriq Insurance Co ranks #435 out of 497 companies in the Insurance industry, placing it in the top 87.5%.
Is Al Mashriq Insurance Co's Return-on-Tangible-Equity too high?
Al Mashriq Insurance Co's current Return-on-Tangible-Equity of 3.87% is 68% below median its 10-year median of 12.09. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 55.09. The Insurance industry median Return-on-Tangible-Equity is 13.32. Al Mashriq Insurance Co's value of 3.87% is 70.9% below this industry median. Based on the distribution chart, Al Mashriq Insurance Co ranks #435 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Al Mashriq Insurance Co has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Mashriq Insurance Co's Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Mashriq Insurance Co ranks #435 out of 497 companies for Return-on-Tangible-Equity. This places Al Mashriq Insurance Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.32. Al Mashriq Insurance Co's value of 3.87% is 70.9% below this benchmark. Historically, Al Mashriq Insurance Co's own Return-on-Tangible-Equity has ranged from 2.45 to 55.09 over the past decade. While the company's 10-year median is 12.09 vs. the industry median of 13.32, Al Mashriq Insurance Co 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 Mashriq Insurance Co's current Return-on-Tangible-Equity of 3.87% is 70.9% 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 Mashriq Insurance Co 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 Mashriq Insurance Co's current Return-on-Tangible-Equity is 3.87%, which is 68% below median its own 10-year median of 12.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Mashriq Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Al Mashriq Insurance Co (XPAE:MIC) is currently considered Modestly Undervalued. The stock's GF Value™ is $2.89, compared to a current price of $2.05 — trading 29.1% below its estimated fair value. The current Return-on-Tangible-Equity is 3.87%, which is 68% below median its 10-year median of 12.09 and 70.9% below the Insurance industry median of 13.32. Al Mashriq Insurance Co's overall GF Score™ is 81/100 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 Al Mashriq Insurance Co (XPAE:MIC), the current Return-on-Tangible-Equity is 3.87% 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 Al Mashriq Insurance Co (XPAE:MIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Mashriq Insurance Co stock appears to be undervalued.
The current stock price of $2.05 is trading 29.1% below its estimated GF Value™ of $2.89.
GuruFocus considers Al Mashriq Insurance Co to be Modestly Undervalued.
Key valuation signals for XPAE:MIC:
Return-on-Tangible-Equity: 3.87% (68% below median its 10-year median of 12.09)
GF Value™: $2.89 vs. price of $2.05 (29.1% below fair value)
Industry Position: 70.9% below the Insurance median (#435 of 497)
No single metric tells the full story. See the XPAE:MIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Mashriq Insurance Co is engaged in the provision of insurance, re-insurance related services. Its products are Engineering Insurance, General Accident Insurance, Personal Insurance, Marine Insurance, Fire Insurance, Vehicle Insurance, Propety Insurance, Civil Liability Insurance and Travel Insurance.
81GF Score
Get the complete analysis for XPAE:MIC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XPAE:MIC has been successfully added to your 
