SHL Finance Co (SAU:1183) ROE % Adjusted to Book Value: 5.19% (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:1183 SHL Finance Co SAU:1183
48 GF Score
Price ﷼14.75
GF Value ﷼28.33
Valuation Possible Value Trap
! 3 Warning Signs
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What is SHL Finance Co ROE % Adjusted to Book Value?

SHL Finance Co SAU:1183 -1.07% 48 ROE % Adjusted to Book Value is 5.19% as of Mar. 2026. GuruFocus rates SAU:1183 with a GF Score™ of 48/100 and a GF Value™ of ﷼28.33 (Possible Value Trap). The stock has 3 warning signs investors should review.

SHL Finance Co's ROE % for the quarter that ended in Mar. 2026 was 4.31%. SHL Finance Co's PB Ratio for the quarter that ended in Mar. 2026 was 0.83. SHL Finance Co's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.19%.


SHL Finance Co ROE % Adjusted to Book Value Related Terms


SHL Finance Co ROE % Adjusted to Book Value Historical Data

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The historical data trend for SHL Finance Co's ROE % Adjusted to Book Value 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.

SHL Finance Co ROE % Adjusted to Book Value Chart

SHL Finance Co Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 0.00 4.70 0.13 1.46 3.12

SHL Finance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.11 2.85 1.57 3.99 5.19

SAU:1183 vs RKT, FNMA, PFSI: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, SHL Finance Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


SHL Finance Co ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, SHL Finance Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SHL Finance Co's ROE % Adjusted to Book Value falls into.


SAU:1183
48GF Score
SHL Finance Co SAU:1183
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SHL Finance Co ROE % Adjusted to Book Value Calculation

SHL Finance Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.96% / 0.95
=3.12%

SHL Finance Co's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.31% / 0.83
=5.19%

* 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.

What does a ROE % Adjusted to Book Value of 5.19% mean?
SHL Finance Co (SAU:1183) has a ROE % Adjusted to Book Value of 5.19% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SHL Finance Co and its competitors.
Is SHL Finance Co's ROE % Adjusted to Book Value too high?
SHL Finance Co's current ROE % Adjusted to Book Value is 5.19%. Overall, SHL Finance Co has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHL Finance Co's ROE % Adjusted to Book Value compare to RKT and FNMA?
SHL Finance Co's ROE % Adjusted to Book Value of 5.19% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SHL Finance Co and its competitors. SHL Finance Co's current ROE % Adjusted to Book Value is 5.19%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHL Finance Co stock overvalued right now?
Based on GuruFocus' analysis, SHL Finance Co (SAU:1183) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼28.33, compared to a current price of ﷼14.75 — trading 47.9% below its estimated fair value. The current ROE % Adjusted to Book Value is 5.19%. SHL Finance Co's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SHL Finance Co (SAU:1183), the current ROE % Adjusted to Book Value is 5.19% 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 SHL Finance Co (SAU:1183) Overvalued in 2026?

Based on GuruFocus' analysis, SHL Finance Co stock appears to be undervalued. The current stock price of ﷼14.75 is trading 47.9% below its estimated GF Value™ of ﷼28.33. GuruFocus considers SHL Finance Co to be Possible Value Trap.

Key valuation signals for SAU:1183:

  • ROE % Adjusted to Book Value: 5.19%
  • GF Value™: ﷼28.33 vs. price of ﷼14.75 (47.9% below fair value)
  • GF Score™: 48/100 with 3 warning signs

No single metric tells the full story. See the SAU:1183 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SHL Finance Co Business Description

Address AlMuraba - King Abdulaziz Road, P.O. Box 27072, Riyadh, SAU, 11417
SHL Finance Co is engaged in real estate financing activities for individuals. The main activity of the company is to carry out real estate financing, Consumer Financing, and financing the activities of Small & Medium Establishments for individuals and corporations, in accordance with the provisions of the Companies Law, the Finance Companies Control Law, and its Executive Regulations and related regulations, and the rules and instructions issued by the Saudi Central Bank.
48GF Score

Get the complete analysis for SAU:1183

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

﷼14.75
Price
﷼28.33
GF Value