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Al Ain Ahlia Insurance Co PSCADX:ALAIN 61 ROA % is 3.64% as of Dec. 2025, which is 172% above its 10-year median of 1.34. GuruFocus rates ADX:ALAIN with a GF Score™ of 61/100 and a GF Value™ of د.إ60.96 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 502 Insurance companies, Al Ain Ahlia Insurance Co PSC ranks worse than 74.3% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Al Ain Ahlia Insurance Co PSC's annualizedNet Income for the quarter that ended in Dec. 2025 was د.إ111.1 Mil.
Al Ain Ahlia Insurance Co PSC's average Total Assets over the quarter that ended in Dec. 2025 was د.إ3,049.8 Mil. Therefore, Al Ain Ahlia Insurance Co PSC's annualized ROA % for the quarter that ended in Dec. 2025 was 3.64%.
The historical rank and industry rank for Al Ain Ahlia Insurance Co PSC's ROA % or its related term are showing as below:
ADX:ALAIN'
s ROA % Range Over the Past 10 Years
Min: -0.99 Med: 1.34 Max: 3.01
Current: 0.91
During the past 13 years, Al Ain Ahlia Insurance Co PSC's highest ROA % was 3.01%. The lowest was -0.99%. And the median was 1.34%.
ADX:ALAIN's ROA % is ranked worse than 74.3% of 502
companies
in the Insurance industry
Industry Median: 2.775
vs ADX:ALAIN: 0.91
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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.
Al Ain Ahlia Insurance Co PSC ROA % Related Terms
Al Ain Ahlia Insurance Co PSC 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, Al Ain Ahlia Insurance Co PSC'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.
Al Ain Ahlia Insurance Co PSC ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Ain Ahlia Insurance Co PSC's ROA % distribution charts can be found below:
* The bar in red indicates where Al Ain Ahlia Insurance Co PSC's ROA % 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 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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) has a ROA % of 3.64% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Al Ain Ahlia Insurance Co PSC and its competitors. This is 172% above median its historical median of 1.34. According to the industry distribution chart, Al Ain Ahlia Insurance Co PSC ranks #373 out of 502 companies in the Insurance industry, placing it in the top 74.3%.
Is Al Ain Ahlia Insurance Co PSC's ROA % too high?
Al Ain Ahlia Insurance Co PSC's current ROA % of 3.64% is 172% above median its 10-year median of 1.34. The Insurance industry median ROA % is 2.78. Al Ain Ahlia Insurance Co PSC's value of 3.64% is 31.2% above this industry median. Based on the distribution chart, Al Ain Ahlia Insurance Co PSC ranks #373 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Al Ain Ahlia Insurance Co PSC has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Ain Ahlia Insurance Co PSC's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al Ain Ahlia Insurance Co PSC ranks #373 out of 502 companies for ROA %. This places Al Ain Ahlia Insurance Co PSC in the lower half of its industry. The industry median ROA % is 2.78. Al Ain Ahlia Insurance Co PSC's value of 3.64% is 31.2% above this benchmark. While the company's 10-year median is 1.34 vs. the industry median of 2.78, Al Ain Ahlia Insurance Co PSC 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 2.78, based on 502 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. Al Ain Ahlia Insurance Co PSC's current ROA % of 3.64% is 31.2% 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 Al Ain Ahlia Insurance Co PSC and its competitors. For the Insurance industry, the median ROA % is 2.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Ain Ahlia Insurance Co PSC's current ROA % is 3.64%, which is 172% above median its own 10-year median of 1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ain Ahlia Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Al Ain Ahlia Insurance Co PSC (ADX:ALAIN) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ60.96, compared to a current price of د.إ35.00 — trading 42.6% below its estimated fair value. The current ROA % is 3.64%, which is 172% above median its 10-year median of 1.34 and 31.2% above the Insurance industry median of 2.78. Al Ain Ahlia Insurance Co PSC's overall GF Score™ is 61/100 with 5 warning signs 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 Al Ain Ahlia Insurance Co PSC (ADX:ALAIN), the current ROA % is 3.64% 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 Ain Ahlia Insurance Co PSC (ADX:ALAIN) Overvalued in 2026?
Based on GuruFocus' analysis, Al Ain Ahlia Insurance Co PSC stock appears to be undervalued.
The current stock price of د.إ35.00 is trading 42.6% below its estimated GF Value™ of د.إ60.96.
GuruFocus considers Al Ain Ahlia Insurance Co PSC to be Significantly Undervalued.
Key valuation signals for ADX:ALAIN:
ROA %: 3.64% (172% above median its 10-year median of 1.34)
GF Value™: د.إ60.96 vs. price of د.إ35.00 (42.6% below fair value)
Industry Position: 31.2% above the Insurance median (#373 of 502)
No single metric tells the full story. See the ADX:ALAIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Ain Ahlia Insurance Co PSC is an Abu Dhabi-based insurance company providing a range of insurance products and services including motor, engineering, health, property, marine, energy, and aviation insurance as well as reinsurance solutions. The company operates its business in two segments: Underwriting of General Insurance Business and Investments, out of which the company derives majority of its revenue from the Underwriting of General Insurance business in the form of insurance contracts and commission income incorporating all classes of general insurance such as fire, marine, motor, medical, general accident and miscellaneous.
61GF Score
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