ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Emirates Investment Bank PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ21.4 Mil.
Emirates Investment Bank PJSC's average Total Assets over the quarter that ended in Mar. 2026 was د.إ4,739.5 Mil. Therefore, Emirates Investment Bank PJSC's annualized ROA % for the quarter that ended in Mar. 2026 was 0.45%.
The historical rank and industry rank for Emirates Investment Bank PJSC's ROA % or its related term are showing as below:
DFM:EIBANK'
s ROA % Range Over the Past 10 Years
Min: -1.05 Med: 0.98 Max: 2.55
Current: 1.35
During the past 13 years, Emirates Investment Bank PJSC's highest ROA % was 2.55%. The lowest was -1.05%. And the median was 0.98%.
DFM:EIBANK's ROA % is ranked better than 72.2% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs DFM:EIBANK: 1.35
Emirates Investment Bank PJSC (DFM:EIBANK) 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.
Emirates Investment Bank PJSC ROA % Related Terms
Emirates Investment Bank 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 Banks - Regional subindustry, Emirates Investment Bank 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.
Emirates Investment Bank PJSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Emirates Investment Bank PJSC's ROA % distribution charts can be found below:
* The bar in red indicates where Emirates Investment Bank 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.
Emirates Investment Bank PJSC (DFM:EIBANK) has a ROA % of 0.45% 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 Emirates Investment Bank PJSC and its competitors. This is 54% below median its historical median of 0.98. According to the industry distribution chart, Emirates Investment Bank PJSC ranks #425 out of 1529 companies in the Banks industry, placing it in the top 27.8%.
Is Emirates Investment Bank PJSC's ROA % too high?
Emirates Investment Bank PJSC's current ROA % of 0.45% is 54% below median its 10-year median of 0.98. The Banks industry median ROA % is 0.98. Emirates Investment Bank PJSC's value of 0.45% is 54.1% below this industry median. Based on the distribution chart, Emirates Investment Bank PJSC ranks #425 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, Emirates Investment Bank PJSC has a GF Score™ of 29/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Emirates Investment Bank PJSC's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Emirates Investment Bank PJSC ranks #425 out of 1529 companies for ROA %. This puts Emirates Investment Bank PJSC in the upper half of its industry. The industry median ROA % is 0.98. Emirates Investment Bank PJSC's value of 0.45% is 54.1% below this benchmark. While the company's 10-year median is 0.98 vs. the industry median of 0.98, Emirates Investment Bank PJSC 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 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. Emirates Investment Bank PJSC's current ROA % of 0.45% is 54.1% 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 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 Emirates Investment Bank 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. Emirates Investment Bank PJSC's current ROA % is 0.45%, which is 54% below median its own 10-year median of 0.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Investment Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Investment Bank PJSC (DFM:EIBANK) is currently considered Fairly Valued. The stock's GF Value™ is د.إ71.33, compared to a current price of د.إ65.00 — trading 8.9% below its estimated fair value. The current ROA % is 0.45%, which is 54% below median its 10-year median of 0.98 and 54.1% below the Banks industry median of 0.98. Emirates Investment Bank PJSC's overall GF Score™ is 29/100 with 3 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 Emirates Investment Bank PJSC (DFM:EIBANK), the current ROA % is 0.45% 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 Emirates Investment Bank PJSC (DFM:EIBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Emirates Investment Bank PJSC stock appears to be undervalued.
The current stock price of د.إ65.00 is trading 8.9% below its estimated GF Value™ of د.إ71.33.
GuruFocus considers Emirates Investment Bank PJSC to be Fairly Valued.
Key valuation signals for DFM:EIBANK:
ROA %: 0.45% (54% below median its 10-year median of 0.98)
GF Value™: د.إ71.33 vs. price of د.إ65.00 (8.9% below fair value)
Industry Position: 54.1% below the Banks median (#425 of 1529)
No single metric tells the full story. See the DFM:EIBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emirates Investment Bank PJSC Business Description
Emirates Investment Bank PJSC is engaged in the business of investment advisory and wealth management. The group is organized into two operating business segments: Investments, which is principally involved in managing the company's investment portfolio and provides treasury services; and Banking Service segment, which principally manages clients' investment portfolios, provides credit facilities, accepts deposits from corporate and individual customers, and provides advisory services on corporate finance and capital market transactions. The group generates maximum revenue from its Banking Services segment. Geographically, it mainly operates in the United Arab Emirates.
29GF Score
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