Adamjee Life Assurance Co (KAR:ALIFE) ROC %: 0.00% (As of . 20)


KAR:ALIFE Adamjee Life Assurance Co Ltd KAR:ALIFE
15 GF Score
Price ₨33.40
! 2 Warning Signs
View Full Analysis

What is Adamjee Life Assurance Co ROC %?

Adamjee Life Assurance Co KAR:ALIFE +4.34% 15 ROC % is 0.00% as of . 20. GuruFocus rates KAR:ALIFE with a GF Score™ of 15/100. The stock has 2 warning signs investors should review.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Adamjee Life Assurance Co's annualized return on capital (ROC %) for the quarter that ended in . 20 was 0.00%.

As of today (2026-07-07), Adamjee Life Assurance Co's WACC % is 10.06%. Adamjee Life Assurance Co's ROC % is 0.00% (calculated using TTM income statement data). Adamjee Life Assurance Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Adamjee Life Assurance Co  (KAR:ALIFE) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, Adamjee Life Assurance Co's WACC % is 10.06%. Adamjee Life Assurance Co's ROC % is 0.00% (calculated using TTM income statement data). Adamjee Life Assurance Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.

Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of 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.

Adamjee Life Assurance Co ROC % Related Terms

Adamjee Life Assurance Co ROC % Historical Data

* Premium members only.

The historical data trend for Adamjee Life Assurance Co's ROC % 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.

Adamjee Life Assurance Co ROC % Chart

Adamjee Life Assurance Co Annual Data
Trend
ROC %

Adamjee Life Assurance Co Semi-Annual Data
ROC %
KAR:ALIFE
15GF Score
Adamjee Life Assurance Co Ltd KAR:ALIFE
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Adamjee Life Assurance Co ROC % Calculation

Adamjee Life Assurance Co's annualized Return on Capital (ROC %) for the fiscal year that ended in . 20 is calculated as:

ROC % (A: . 20 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: . 20 ) + Invested Capital (A: . 20 ))/ count )
= * ( 1 - % )/( ( + )/ )
=/
= %

where

Invested Capital(A: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Invested Capital(A: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Adamjee Life Assurance Co's annualized Return on Capital (ROC %) for the quarter that ended in . 20 is calculated as:

ROC % (Q: . 20 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: . 20 ) + Invested Capital (Q: . 20 ))/ count )
= * ( 1 - % )/( ( + )/ )
=/
= %

where

Invested Capital(Q: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Invested Capital(Q: . 20 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
= - - ( - 5% * )
=

Note: The EBIT data used here is one times the annual (. 20) data. The tax rate is limited to between 0% and 100%.

* 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.

Frequently Asked Questions Learn more about ROC % →
What does a ROC % of 0.00% mean?
Adamjee Life Assurance Co (KAR:ALIFE) has a ROC % of 0.00% as of . 20. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Adamjee Life Assurance Co and its competitors.
Is Adamjee Life Assurance Co's ROC % too high?
Adamjee Life Assurance Co's current ROC % is 0.00%. Overall, Adamjee Life Assurance Co has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Adamjee Life Assurance Co's ROC % compare to AFL and MET?
Adamjee Life Assurance Co's ROC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROC % is 3.37. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.37, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Adamjee Life Assurance Co and its competitors. For the Insurance industry, the median ROC % is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Life Assurance Co's current ROC % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Life Assurance Co stock overvalued right now?
Adamjee Life Assurance Co (KAR:ALIFE) has a current ROC % of 0.00%. The current ROC % is 0.00%. Adamjee Life Assurance Co's overall GF Score™ is 15/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Adamjee Life Assurance Co (KAR:ALIFE), the current ROC % is 0.00% as of . 20. 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.

Adamjee Life Assurance Co Business Description

Address I. I Chundrigar Road, Adamjee House, 3rd and 4th Floor, Karachi, PAK, 7400
Adamjee Life Assurance Co Ltd is engaged in the life insurance business carrying on non-participating business only. The company has six operating segment which includes Conventional Business, Accident and Health Business, Non-Unitised Investment Linked Business, Unit Linked Business, Individual Family Takaful Business, and Group Family Takaful Business. The Company operates in Pakistan only. Its key revenue is generated from the Unit Linked Business which provides life assurance coverage to individuals under unit-linked investment policies issued by the Company.
15GF Score

Get the complete analysis for KAR:ALIFE

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨33.40
Price