Sharjah Insurance Co PSCADX:SICO 32 ROA % is 16.36% as of Dec. 2025, which is 213% above its 10-year median of 5.22. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 506 Insurance companies, Sharjah Insurance Co PSC ranks better than 96.44% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sharjah Insurance Co PSC's annualizedNet Income for the quarter that ended in Dec. 2025 was د.إ59.80 Mil.
Sharjah Insurance Co PSC's average Total Assets over the quarter that ended in Dec. 2025 was د.إ365.53 Mil. Therefore, Sharjah Insurance Co PSC's annualized ROA % for the quarter that ended in Dec. 2025 was 16.36%.
The historical rank and industry rank for Sharjah Insurance Co PSC's ROA % or its related term are showing as below:
ADX:SICO'
s ROA % Range Over the Past 10 Years
Min: -3.01 Med: 5.22 Max: 16.36
Current: 16.36
During the past 13 years, Sharjah Insurance Co PSC's highest ROA % was 16.36%. The lowest was -3.01%. And the median was 5.22%.
ADX:SICO's ROA % is ranked better than 96.44% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs ADX:SICO: 16.36
Sharjah Insurance Co PSC (ADX:SICO) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (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.
* 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, Sharjah 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.
Sharjah Insurance Co PSC ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's ROA % distribution charts can be found below:
* The bar in red indicates where Sharjah 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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Sharjah Insurance Co PSC (ADX:SICO) has a ROA % of 16.36% 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 Sharjah Insurance Co PSC and its competitors. This is 213% above median its historical median of 5.22. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #18 out of 506 companies in the Insurance industry, placing it in the top 3.6%.
Is Sharjah Insurance Co PSC's ROA % too high?
Sharjah Insurance Co PSC's current ROA % of 16.36% is 213% above median its 10-year median of 5.22. The Insurance industry median ROA % is 2.70. Sharjah Insurance Co PSC's value of 16.36% is 505.9% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #18 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #18 out of 506 companies for ROA %. This places Sharjah Insurance Co PSC in the top 4% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Sharjah Insurance Co PSC's value of 16.36% is 505.9% above this benchmark. While the company's 10-year median is 5.22 vs. the industry median of 2.70, Sharjah 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 2.70, based on 506 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. Sharjah Insurance Co PSC's current ROA % of 16.36% is 505.9% 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 Sharjah Insurance Co PSC and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Insurance Co PSC's current ROA % is 16.36%, which is 213% above median its own 10-year median of 5.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current ROA % of 16.36%. The current ROA % is 16.36%, which is 213% above median its 10-year median of 5.22 and 505.9% above the Insurance industry median of 2.70. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 with 2 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 Sharjah Insurance Co PSC (ADX:SICO), the current ROA % is 16.36% 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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