AHLI BankOGMUS:ABOB +5.00%36 ROA % is 1.01% as of Mar. 2026, which is 14% below its 10-year median of 1.18. GuruFocus rates MUS:ABOB with a GF Score™ of 36/100 and a GF Value™ of ر.ع0.15 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, AHLI BankOG ranks better than 62.81% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. AHLI BankOG's annualizedNet Income for the quarter that ended in Mar. 2026 was ر.ع43.2 Mil.
AHLI BankOG's average Total Assets over the quarter that ended in Mar. 2026 was ر.ع4,259.5 Mil. Therefore, AHLI BankOG's annualized ROA % for the quarter that ended in Mar. 2026 was 1.01%.
The historical rank and industry rank for AHLI BankOG's ROA % or its related term are showing as below:
MUS:ABOB'
s ROA % Range Over the Past 10 Years
Min: 0.92 Med: 1.18 Max: 1.56
Current: 1.18
During the past 13 years, AHLI BankOG's highest ROA % was 1.56%. The lowest was 0.92%. And the median was 1.18%.
MUS:ABOB's ROA % is ranked better than 62.81% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs MUS:ABOB: 1.18
AHLI BankOG (MUS:ABOB) 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.
AHLI BankOG ROA % Related Terms
AHLI BankOG ROA % Historical Data
* Premium members only.
The historical data trend for AHLI BankOG'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, AHLI BankOG'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.
AHLI BankOG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, AHLI BankOG's ROA % distribution charts can be found below:
* The bar in red indicates where AHLI BankOG'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.
AHLI BankOG (MUS:ABOB) has a ROA % of 1.01% 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 AHLI BankOG and its competitors. This is 14% below median its historical median of 1.18. Over the past decade, AHLI BankOG's ROA % has ranged from 0.92 to 1.56. According to the industry distribution chart, AHLI BankOG ranks #569 out of 1530 companies in the Banks industry, placing it in the top 37.2%.
Is AHLI BankOG's ROA % too high?
AHLI BankOG's current ROA % of 1.01% is 14% below median its 10-year median of 1.18. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 1.56. The Banks industry median ROA % is 0.98. AHLI BankOG's value of 1.01% is 3.1% above this industry median. Based on the distribution chart, AHLI BankOG ranks #569 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, AHLI BankOG has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AHLI BankOG's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, AHLI BankOG ranks #569 out of 1530 companies for ROA %. This puts AHLI BankOG in the upper half of its industry. The industry median ROA % is 0.98. AHLI BankOG's value of 1.01% is 3.1% above this benchmark. Historically, AHLI BankOG's own ROA % has ranged from 0.92 to 1.56 over the past decade. While the company's 10-year median is 1.18 vs. the industry median of 0.98, AHLI BankOG 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 1,530 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. AHLI BankOG's current ROA % of 1.01% is 3.1% 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 AHLI BankOG 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. AHLI BankOG's current ROA % is 1.01%, which is 14% below median its own 10-year median of 1.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AHLI BankOG stock overvalued right now?
Based on GuruFocus' analysis, AHLI BankOG (MUS:ABOB) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.15, compared to a current price of ر.ع0.21 — trading 40% above its estimated fair value. The current ROA % is 1.01%, which is 14% below median its 10-year median of 1.18 and 3.1% above the Banks industry median of 0.98. AHLI BankOG's overall GF Score™ is 36/100 with 6 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 AHLI BankOG (MUS:ABOB), the current ROA % is 1.01% 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 AHLI BankOG (MUS:ABOB) Overvalued in 2026?
Based on GuruFocus' analysis, AHLI BankOG stock appears to be overvalued.
The current stock price of ر.ع0.21 is trading 40% above its estimated GF Value™ of ر.ع0.15.
GuruFocus considers AHLI BankOG to be Significantly Overvalued.
Key valuation signals for MUS:ABOB:
ROA %: 1.01% (14% below median its 10-year median of 1.18)
GF Value™: ر.ع0.15 vs. price of ر.ع0.21 (40% above fair value)
Industry Position: 3.1% above the Banks median (#569 of 1530)
No single metric tells the full story. See the MUS:ABOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AHLI Bank SAOG provides commercial banking services and products in the Sultanate of Oman. Its products and services include Sharia-compliant customer deposits, providing Sharia-compliant financing based on Murabaha, investment activities, and providing commercial banking. The bank is organized into two operating segments, Retail banking which includes customers' deposits, unrestricted investment account, consumer loans, overdrafts, credit card, Islamic financing and fund transfer facilities, and Wholesale banking, treasury and investment banking segment which include deposits including current accounts, term deposit, loans and advances and Islamic financing for corporate and institutional customers, Treasury, Trade Finance, and Investment Banking Services.
36GF Score
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