Amlak Finance PJSCDFM:AMLAK 42 ROA % is 6.01% as of Mar. 2026, which is 432% above its 10-year median of 1.13. GuruFocus rates DFM:AMLAK with a GF Score™ of 42/100 and a GF Value™ of د.إ19.54 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 1,532 Banks companies, Amlak Finance PJSC ranks better than 99.87% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Amlak Finance PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ207 Mil.
Amlak Finance PJSC's average Total Assets over the quarter that ended in Mar. 2026 was د.إ3,439 Mil. Therefore, Amlak Finance PJSC's annualized ROA % for the quarter that ended in Mar. 2026 was 6.01%.
The historical rank and industry rank for Amlak Finance PJSC's ROA % or its related term are showing as below:
DFM:AMLAK'
s ROA % Range Over the Past 10 Years
Min: -9.7 Med: 1.13 Max: 50.62
Current: 49.29
During the past 13 years, Amlak Finance PJSC's highest ROA % was 50.62%. The lowest was -9.70%. And the median was 1.13%.
DFM:AMLAK's ROA % is ranked better than 99.87% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs DFM:AMLAK: 49.29
Amlak Finance PJSC (DFM:AMLAK) 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.
Amlak Finance PJSC ROA % Related Terms
Amlak Finance PJSC ROA % Historical Data
* Premium members only.
The historical data trend for Amlak Finance PJSC's ROA % 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.
For the Mortgage Finance subindustry, Amlak Finance 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.
Amlak Finance PJSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Amlak Finance PJSC's ROA % distribution charts can be found below:
* The bar in red indicates where Amlak Finance PJSC'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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Amlak Finance PJSC (DFM:AMLAK) has a ROA % of 6.01% 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 Amlak Finance PJSC and its competitors. This is 432% above median its historical median of 1.13. According to the industry distribution chart, Amlak Finance PJSC ranks #2 out of 1532 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Amlak Finance PJSC's ROA % too high?
Amlak Finance PJSC's current ROA % of 6.01% is 432% above median its 10-year median of 1.13. The Banks industry median ROA % is 0.98. Amlak Finance PJSC's value of 6.01% is 513.3% above this industry median. Based on the distribution chart, Amlak Finance PJSC ranks #2 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak Finance PJSC has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #2 out of 1532 companies for ROA %. This places Amlak Finance PJSC in the top 0% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Amlak Finance PJSC's value of 6.01% is 513.3% above this benchmark. While the company's 10-year median is 1.13 vs. the industry median of 0.98, Amlak Finance 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 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. Amlak Finance PJSC's current ROA % of 6.01% is 513.3% 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 Amlak Finance PJSC and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amlak Finance PJSC's current ROA % is 6.01%, which is 432% above median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Based on GuruFocus' analysis, Amlak Finance PJSC (DFM:AMLAK) is currently considered Possible Value Trap. The stock's GF Value™ is د.إ19.54, compared to a current price of د.إ1.28 — trading 93.4% below its estimated fair value. The current ROA % is 6.01%, which is 432% above median its 10-year median of 1.13 and 513.3% above the Banks industry median of 0.98. Amlak Finance PJSC's overall GF Score™ is 42/100 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 Amlak Finance PJSC (DFM:AMLAK), the current ROA % is 6.01% 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 Amlak Finance PJSC (DFM:AMLAK) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak Finance PJSC stock appears to be undervalued.
The current stock price of د.إ1.28 is trading 93.4% below its estimated GF Value™ of د.إ19.54.
GuruFocus considers Amlak Finance PJSC to be Possible Value Trap.
Key valuation signals for DFM:AMLAK:
ROA %: 6.01% (432% above median its 10-year median of 1.13)
GF Value™: د.إ19.54 vs. price of د.إ1.28 (93.4% below fair value)
Industry Position: 513.3% above the Banks median (#2 of 1532)
No single metric tells the full story. See the DFM:AMLAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
42GF Score
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