ADX:ADNIC's ROA % is ranked better than 69.08% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs ADX:ADNIC: 4.19
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Abu Dhabi National Insurance Co PJSC ROA % Related Terms
Abu Dhabi National Insurance Co PJSC ROA % 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.
For the Insurance - Diversified subindustry, Abu Dhabi National Insurance Co PJSC's ROA %, along with its competitors' market caps and ROA % 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.
Abu Dhabi National Insurance Co PJSC ROA % vs Insurance Industry
* 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) has a ROA % of 3.59% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. This is 16% below median its historical median of 4.27. Over the past decade, Abu Dhabi National Insurance Co PJSC's ROA % has ranged from 3.38 to 5.68. According to the industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #158 out of 511 companies in the Insurance industry, placing it in the top 30.9%.
Is Abu Dhabi National Insurance Co PJSC's ROA % too high?
Abu Dhabi National Insurance Co PJSC's current ROA % of 3.59% is 16% below median its 10-year median of 4.27. Over the past 10 years, this metric has ranged from a low of 3.38 to a high of 5.68. The Insurance industry median ROA % is 2.73. Abu Dhabi National Insurance Co PJSC's value of 3.59% is 31.5% above this industry median. Based on the distribution chart, Abu Dhabi National Insurance Co PJSC ranks #158 out of 511 companies in the Insurance industry, which is above the industry midpoint. Overall, Abu Dhabi National Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Insurance Co PJSC's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #158 out of 511 companies for ROA %. This puts Abu Dhabi National Insurance Co PJSC in the upper half of its industry. The industry median ROA % is 2.73. Abu Dhabi National Insurance Co PJSC's value of 3.59% is 31.5% above this benchmark. Historically, Abu Dhabi National Insurance Co PJSC's own ROA % has ranged from 3.38 to 5.68 over the past decade. While the company's 10-year median is 4.27 vs. the industry median of 2.73, Abu Dhabi National Insurance Co PJSC has consistently been above 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi National Insurance Co PJSC's current ROA % of 3.59% is 31.5% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Insurance Co PJSC's current ROA % is 3.59%, which is 16% below median its own 10-year median of 4.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ8.76, compared to a current price of د.إ7.20 — trading 17.8% below its estimated fair value. The current ROA % is 3.59%, which is 16% below median its 10-year median of 4.27 and 31.5% above the Insurance industry median of 2.73. Abu Dhabi National Insurance Co PJSC's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Abu Dhabi National Insurance Co PJSC (ADX:ADNIC), the current ROA % is 3.59% 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 Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ7.20 is trading 17.8% below its estimated GF Value™ of د.إ8.76.
GuruFocus considers Abu Dhabi National Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:ADNIC:
ROA %: 3.59% (16% below median its 10-year median of 4.27)
GF Value™: د.إ8.76 vs. price of د.إ7.20 (17.8% below fair value)
Industry Position: 31.5% above the Insurance median (#158 of 511)
No single metric tells the full story. See the ADX:ADNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi National Insurance Co PJSC Business Description
Abu Dhabi National Insurance Co PJSC is engaged in the transaction of insurance and reinsurance business of all classes. The company is organized into two main business segments: Underwriting of commercial lines of business - incorporating all classes of general insurance including marine cargo, marine hull, aviation, energy, property and engineering; and Underwriting of consumer line of business - incorporating all classes of insurance including accident, life, motor and medical. The majority of revenue is derived from Underwriting of commercial lines of business segment.
63GF Score
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