ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Al Manar Financing & Leasing Co's annualizedNet Income for the quarter that ended in Mar. 2026 was KWD1.26 Mil.
Al Manar Financing & Leasing Co's average Total Assets over the quarter that ended in Mar. 2026 was KWD61.90 Mil. Therefore, Al Manar Financing & Leasing Co's annualized ROA % for the quarter that ended in Mar. 2026 was 2.03%.
KUW:ALMANAR'
s ROA % Range Over the Past 10 Years
Min: -9.17 Med: 3.29 Max: 4.71
Current: 4.71
During the past 8 years, Al Manar Financing & Leasing Co's highest ROA % was 4.71%. The lowest was -9.17%. And the median was 3.29%.
KUW:ALMANAR's ROA % is ranked better than 78.68% of 544
companies
in the Credit Services industry
Industry Median: 1.93
vs KUW:ALMANAR: 4.71
Al Manar Financing & Leasing Co (KUW:ALMANAR) 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.
Al Manar Financing & Leasing Co ROA % Related Terms
Al Manar Financing & Leasing Co 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 Credit Services subindustry, Al Manar Financing & Leasing Co'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 Manar Financing & Leasing Co ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Manar Financing & Leasing Co's ROA % distribution charts can be found below:
* The bar in red indicates where Al Manar Financing & Leasing Co'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.
Al Manar Financing & Leasing Co (KUW:ALMANAR) has a ROA % of 2.03% 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 Al Manar Financing & Leasing Co and its competitors. This is 38% below median its historical median of 3.29. According to the industry distribution chart, Al Manar Financing & Leasing Co ranks #116 out of 544 companies in the Credit Services industry, placing it in the top 21.3%.
Is Al Manar Financing & Leasing Co's ROA % too high?
Al Manar Financing & Leasing Co's current ROA % of 2.03% is 38% below median its 10-year median of 3.29. The Credit Services industry median ROA % is 1.93. Al Manar Financing & Leasing Co's value of 2.03% is 5.2% above this industry median. Based on the distribution chart, Al Manar Financing & Leasing Co ranks #116 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Al Manar Financing & Leasing Co has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Manar Financing & Leasing Co's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Al Manar Financing & Leasing Co ranks #116 out of 544 companies for ROA %. This places Al Manar Financing & Leasing Co in the top 21% of its industry — outperforming the majority of peers. The industry median ROA % is 1.93. Al Manar Financing & Leasing Co's value of 2.03% is 5.2% above this benchmark. While the company's 10-year median is 3.29 vs. the industry median of 1.93, Al Manar Financing & Leasing Co 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 Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 544 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 Manar Financing & Leasing Co's current ROA % of 2.03% is 5.2% 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 Manar Financing & Leasing Co and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Manar Financing & Leasing Co's current ROA % is 2.03%, which is 38% below median its own 10-year median of 3.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Manar Financing & Leasing Co stock overvalued right now?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co (KUW:ALMANAR) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.10, compared to a current price of KWD0.11 — trading 11% above its estimated fair value. The current ROA % is 2.03%, which is 38% below median its 10-year median of 3.29 and 5.2% above the Credit Services industry median of 1.93. Al Manar Financing & Leasing Co's overall GF Score™ is 35/100 with 4 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 Manar Financing & Leasing Co (KUW:ALMANAR), the current ROA % is 2.03% 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 Al Manar Financing & Leasing Co (KUW:ALMANAR) Overvalued in 2026?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co stock appears to be overvalued.
The current stock price of KWD0.11 is trading 11% above its estimated GF Value™ of KWD0.10.
GuruFocus considers Al Manar Financing & Leasing Co to be Modestly Overvalued.
Key valuation signals for KUW:ALMANAR:
ROA %: 2.03% (38% below median its 10-year median of 3.29)
GF Value™: KWD0.10 vs. price of KWD0.11 (11% above fair value)
Industry Position: 5.2% above the Credit Services median (#116 of 544)
No single metric tells the full story. See the KUW:ALMANAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Manar Financing & Leasing Co Business Description
Al Manar Financing & Leasing Co is Kuwait based company that operates as an Islamic financing institution. It provides all credit facilities, Leasing services, and investments in Real estate, Industrial, Agricultural, and Economic sectors. Its operating segments are Finance, Investments, and others. The majority of its revenue comes from the Finance segment.
35GF Score
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