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Mashreqbank PSCDFM:MASQ 68 ROA % is 2.22% as of Mar. 2026, which is 35% above its 10-year median of 1.64. GuruFocus rates DFM:MASQ with a GF Score™ of 68/100 and a GF Value™ of د.إ230.50 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,532 Banks companies, Mashreqbank PSC ranks better than 90.73% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Mashreqbank PSC's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ7,533 Mil.
Mashreqbank PSC's average Total Assets over the quarter that ended in Mar. 2026 was د.إ339,469 Mil. Therefore, Mashreqbank PSC's annualized ROA % for the quarter that ended in Mar. 2026 was 2.22%.
The historical rank and industry rank for Mashreqbank PSC's ROA % or its related term are showing as below:
DFM:MASQ'
s ROA % Range Over the Past 10 Years
Min: -0.8 Med: 1.64 Max: 3.93
Current: 2.25
During the past 13 years, Mashreqbank PSC's highest ROA % was 3.93%. The lowest was -0.80%. And the median was 1.64%.
DFM:MASQ's ROA % is ranked better than 90.73% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs DFM:MASQ: 2.25
Mashreqbank PSC (DFM:MASQ) 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.
Mashreqbank PSC ROA % Related Terms
Mashreqbank PSC ROA % Historical Data
* Premium members only.
The historical data trend for Mashreqbank PSC'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 Banks - Regional subindustry, Mashreqbank 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.
Mashreqbank PSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Mashreqbank PSC's ROA % distribution charts can be found below:
* The bar in red indicates where Mashreqbank 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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Mashreqbank PSC (DFM:MASQ) has a ROA % of 2.22% 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 Mashreqbank PSC and its competitors. This is 35% above median its historical median of 1.64. According to the industry distribution chart, Mashreqbank PSC ranks #142 out of 1532 companies in the Banks industry, placing it in the top 9.3%.
Is Mashreqbank PSC's ROA % too high?
Mashreqbank PSC's current ROA % of 2.22% is 35% above median its 10-year median of 1.64. The Banks industry median ROA % is 0.98. Mashreqbank PSC's value of 2.22% is 126.5% above this industry median. Based on the distribution chart, Mashreqbank PSC ranks #142 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mashreqbank PSC has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mashreqbank PSC's ROA % compare to competitors?
According to the Banks industry distribution chart, Mashreqbank PSC ranks #142 out of 1532 companies for ROA %. This places Mashreqbank PSC in the top 9% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Mashreqbank PSC's value of 2.22% is 126.5% above this benchmark. While the company's 10-year median is 1.64 vs. the industry median of 0.98, Mashreqbank 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 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. Mashreqbank PSC's current ROA % of 2.22% is 126.5% 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 Mashreqbank PSC 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. Mashreqbank PSC's current ROA % is 2.22%, which is 35% above median its own 10-year median of 1.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mashreqbank PSC stock overvalued right now?
Based on GuruFocus' analysis, Mashreqbank PSC (DFM:MASQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ230.50, compared to a current price of د.إ259.00 — trading 12.4% above its estimated fair value. The current ROA % is 2.22%, which is 35% above median its 10-year median of 1.64 and 126.5% above the Banks industry median of 0.98. Mashreqbank PSC's overall GF Score™ is 68/100 with 8 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 Mashreqbank PSC (DFM:MASQ), the current ROA % is 2.22% 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 Mashreqbank PSC (DFM:MASQ) Overvalued in 2026?
Based on GuruFocus' analysis, Mashreqbank PSC stock appears to be overvalued.
The current stock price of د.إ259.00 is trading 12.4% above its estimated GF Value™ of د.إ230.50.
GuruFocus considers Mashreqbank PSC to be Modestly Overvalued.
Key valuation signals for DFM:MASQ:
ROA %: 2.22% (35% above median its 10-year median of 1.64)
GF Value™: د.إ230.50 vs. price of د.إ259.00 (12.4% above fair value)
Industry Position: 126.5% above the Banks median (#142 of 1532)
No single metric tells the full story. See the DFM:MASQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mashreqbank PSC is a banking corporation that provides banking and financial services to customers and businesses. The banking firm serves in domestic markets as well as abroad, mainly with its commercial and retail banking services such as trade finance, project finance, savings and current accounts, fixed deposits, and Mashreq millionaire deposits. The business segments are Wholesale, Retail, Treasury and capital markets, Insurance, and other. The bank's entities include Mashreq Capital, Sukoon Insurance, and Mashreq's fintech and digital innovation platform focused on developing next-generation financial solutions. The group's activities are carried out through its branches in the UAE, Bahrain, Kuwait, Egypt, Hong Kong, India, Pakistan, Qatar, the UK, and the USA.
68GF Score
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