ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Amar Finance and Leasing Co KSCC's annualizedNet Income for the quarter that ended in Mar. 2026 was KWD0.14 Mil.
Amar Finance and Leasing Co KSCC's average Total Assets over the quarter that ended in Mar. 2026 was KWD23.34 Mil. Therefore, Amar Finance and Leasing Co KSCC's annualized ROA % for the quarter that ended in Mar. 2026 was 0.60%.
KUW:AMAR'
s ROA % Range Over the Past 10 Years
Min: -7.2 Med: 0.78 Max: 16.76
Current: 3.15
During the past 13 years, Amar Finance and Leasing Co KSCC's highest ROA % was 16.76%. The lowest was -7.20%. And the median was 0.78%.
KUW:AMAR's ROA % is ranked better than 64.73% of 1803
companies
in the Real Estate industry
Industry Median: 1.7
vs KUW:AMAR: 3.15
Amar Finance and Leasing Co KSCC (KUW:AMAR) 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.
Amar Finance and Leasing Co KSCC ROA % Related Terms
Amar Finance and Leasing Co KSCC 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 Real Estate Services subindustry, Amar Finance and Leasing Co KSCC'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.
Amar Finance and Leasing Co KSCC ROA % vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Amar Finance and Leasing Co KSCC's ROA % distribution charts can be found below:
* The bar in red indicates where Amar Finance and Leasing Co KSCC'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.
Amar Finance and Leasing Co KSCC (KUW:AMAR) has a ROA % of 0.60% 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 Amar Finance and Leasing Co KSCC and its competitors. This is 23% below median its historical median of 0.78. According to the industry distribution chart, Amar Finance and Leasing Co KSCC ranks #636 out of 1803 companies in the Real Estate industry, placing it in the top 35.3%.
Is Amar Finance and Leasing Co KSCC's ROA % too high?
Amar Finance and Leasing Co KSCC's current ROA % of 0.60% is 23% below median its 10-year median of 0.78. The Real Estate industry median ROA % is 1.70. Amar Finance and Leasing Co KSCC's value of 0.60% is 64.7% below this industry median. Based on the distribution chart, Amar Finance and Leasing Co KSCC ranks #636 out of 1803 companies in the Real Estate industry, which is above the industry midpoint. Overall, Amar Finance and Leasing Co KSCC has a GF Score™ of 41/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Amar Finance and Leasing Co KSCC's ROA % compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Amar Finance and Leasing Co KSCC ranks #636 out of 1803 companies for ROA %. This puts Amar Finance and Leasing Co KSCC in the upper half of its industry. The industry median ROA % is 1.70. Amar Finance and Leasing Co KSCC's value of 0.60% is 64.7% below this benchmark. While the company's 10-year median is 0.78 vs. the industry median of 1.70, Amar Finance and Leasing Co KSCC 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 Real Estate company?
The median ROA % among Real Estate companies is 1.70, based on 1,803 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. Amar Finance and Leasing Co KSCC's current ROA % of 0.60% is 64.7% 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 Amar Finance and Leasing Co KSCC and its competitors. For the Real Estate industry, the median ROA % is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amar Finance and Leasing Co KSCC's current ROA % is 0.60%, which is 23% below median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amar Finance and Leasing Co KSCC stock overvalued right now?
Based on GuruFocus' analysis, Amar Finance and Leasing Co KSCC (KUW:AMAR) is currently considered Modestly Undervalued. The stock's GF Value™ is KWD0.13, compared to a current price of KWD0.11 — trading 18.5% below its estimated fair value. The current ROA % is 0.60%, which is 23% below median its 10-year median of 0.78 and 64.7% below the Real Estate industry median of 1.70. Amar Finance and Leasing Co KSCC's overall GF Score™ is 41/100 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 Amar Finance and Leasing Co KSCC (KUW:AMAR), the current ROA % is 0.60% 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 Amar Finance and Leasing Co KSCC (KUW:AMAR) Overvalued in 2026?
Based on GuruFocus' analysis, Amar Finance and Leasing Co KSCC stock appears to be undervalued.
The current stock price of KWD0.11 is trading 18.5% below its estimated GF Value™ of KWD0.13.
GuruFocus considers Amar Finance and Leasing Co KSCC to be Modestly Undervalued.
Key valuation signals for KUW:AMAR:
ROA %: 0.60% (23% below median its 10-year median of 0.78)
GF Value™: KWD0.13 vs. price of KWD0.11 (18.5% below fair value)
Industry Position: 64.7% below the Real Estate median (#636 of 1803)
No single metric tells the full story. See the KUW:AMAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amar Finance and Leasing Co KSCC Business Description
Amar Finance and Leasing Co KSCC is a Kuwait-based financial institution that is engaged in the provision of commercial and residential real-estate market, offering financial solutions to real-estate companies, as well as to real-estate investors and home buyers. Its offerings include finance, investment, consulting services. The company's various services include structured finance, investment placement, real estate project finance, real estate investment services, Amar real estate fund and real estate advisory services, structured finance, investment placement, real estate project finance, real estate investment services, Amar real estate fund and real estate advisory services.
41GF Score
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