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Arabia Falcon Insurance CoMUS:AFIC 61 ROA % is 3.12% as of Dec. 2025, which is 61% above its 10-year median of 1.94. GuruFocus rates MUS:AFIC with a GF Score™ of 61/100 and a GF Value™ of ر.ع0.16 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 509 Insurance companies, Arabia Falcon Insurance Co ranks better than 55.8% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Arabia Falcon Insurance Co's annualizedNet Income for the quarter that ended in Dec. 2025 was ر.ع2.28 Mil.
Arabia Falcon Insurance Co's average Total Assets over the quarter that ended in Dec. 2025 was ر.ع72.87 Mil. Therefore, Arabia Falcon Insurance Co's annualized ROA % for the quarter that ended in Dec. 2025 was 3.12%.
The historical rank and industry rank for Arabia Falcon Insurance Co's ROA % or its related term are showing as below:
MUS:AFIC'
s ROA % Range Over the Past 10 Years
Min: 1.35 Med: 1.94 Max: 3.12
Current: 3.12
During the past 9 years, Arabia Falcon Insurance Co's highest ROA % was 3.12%. The lowest was 1.35%. And the median was 1.94%.
MUS:AFIC's ROA % is ranked better than 55.8% of 509
companies
in the Insurance industry
Industry Median: 2.62
vs MUS:AFIC: 3.12
Arabia Falcon Insurance Co (MUS:AFIC) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) 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.
* 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 Insurance - Diversified subindustry, Arabia Falcon Insurance 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.
Arabia Falcon Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Arabia Falcon Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Arabia Falcon Insurance 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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Arabia Falcon Insurance Co (MUS:AFIC) has a ROA % of 3.12% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Arabia Falcon Insurance Co and its competitors. This is 61% above median its historical median of 1.94. Over the past decade, Arabia Falcon Insurance Co's ROA % has ranged from 1.35 to 3.12. According to the industry distribution chart, Arabia Falcon Insurance Co ranks #225 out of 509 companies in the Insurance industry, placing it in the top 44.2%.
Is Arabia Falcon Insurance Co's ROA % too high?
Arabia Falcon Insurance Co's current ROA % of 3.12% is 61% above median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 3.12. The Insurance industry median ROA % is 2.62. Arabia Falcon Insurance Co's value of 3.12% is 19.1% above this industry median. Based on the distribution chart, Arabia Falcon Insurance Co ranks #225 out of 509 companies in the Insurance industry, which is above the industry midpoint. Overall, Arabia Falcon Insurance Co has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arabia Falcon Insurance Co's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Arabia Falcon Insurance Co ranks #225 out of 509 companies for ROA %. This puts Arabia Falcon Insurance Co in the upper half of its industry. The industry median ROA % is 2.62. Arabia Falcon Insurance Co's value of 3.12% is 19.1% above this benchmark. Historically, Arabia Falcon Insurance Co's own ROA % has ranged from 1.35 to 3.12 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 2.62, Arabia Falcon Insurance 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 an Insurance company?
The median ROA % among Insurance companies is 2.62, based on 509 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. Arabia Falcon Insurance Co's current ROA % of 3.12% is 19.1% 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 Arabia Falcon Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arabia Falcon Insurance Co's current ROA % is 3.12%, which is 61% above median its own 10-year median of 1.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arabia Falcon Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Arabia Falcon Insurance Co (MUS:AFIC) is currently considered Modestly Undervalued. The stock's GF Value™ is ر.ع0.16, compared to a current price of ر.ع0.14 — trading 12.5% below its estimated fair value. The current ROA % is 3.12%, which is 61% above median its 10-year median of 1.94 and 19.1% above the Insurance industry median of 2.62. Arabia Falcon Insurance Co's overall GF Score™ is 61/100 with 2 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 Arabia Falcon Insurance Co (MUS:AFIC), the current ROA % is 3.12% as of Dec. 2025. 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 Arabia Falcon Insurance Co (MUS:AFIC) Overvalued in 2026?
Based on GuruFocus' analysis, Arabia Falcon Insurance Co stock appears to be undervalued.
The current stock price of ر.ع0.14 is trading 12.5% below its estimated GF Value™ of ر.ع0.16.
GuruFocus considers Arabia Falcon Insurance Co to be Modestly Undervalued.
Key valuation signals for MUS:AFIC:
ROA %: 3.12% (61% above median its 10-year median of 1.94)
GF Value™: ر.ع0.16 vs. price of ر.ع0.14 (12.5% below fair value)
Industry Position: 19.1% above the Insurance median (#225 of 509)
No single metric tells the full story. See the MUS:AFIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arabia Falcon Insurance Co operates as an insurance company in Oman. The company serves individual and corporate clients by providing various insurance products under different lines of business. Its products include Motor, Life, medical, and P & C insurance. It generates maximum revenue from the property & casualty Insurance segment.
61GF Score
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