ADX:ADNIC's ROE % is ranked better than 61.34% of 507
companies
in the Insurance industry
Industry Median: 11.69
vs ADX:ADNIC: 14.20
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Abu Dhabi National Insurance Co PJSC ROE % Related Terms
Abu Dhabi National Insurance Co PJSC ROE % 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 Insurance - Diversified subindustry, Abu Dhabi National Insurance Co PJSC's ROE %, along with its competitors' market caps and ROE % 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.
Abu Dhabi National Insurance Co PJSC ROE % vs Insurance Industry
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) has a ROE % of 11.48% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. This is 16% below median its historical median of 13.71. Over the past decade, Abu Dhabi National Insurance Co PJSC's ROE % has ranged from 11.56 to 15.45. According to the industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #196 out of 507 companies in the Insurance industry, placing it in the top 38.7%.
Is Abu Dhabi National Insurance Co PJSC's ROE % too high?
Abu Dhabi National Insurance Co PJSC's current ROE % of 11.48% is 16% below median its 10-year median of 13.71. Over the past 10 years, this metric has ranged from a low of 11.56 to a high of 15.45. The Insurance industry median ROE % is 11.69. Abu Dhabi National Insurance Co PJSC's value of 11.48% is 1.8% below this industry median. Based on the distribution chart, Abu Dhabi National Insurance Co PJSC ranks #196 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Abu Dhabi National Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Insurance Co PJSC's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Insurance Co PJSC ranks #196 out of 507 companies for ROE %. This puts Abu Dhabi National Insurance Co PJSC in the upper half of its industry. The industry median ROE % is 11.69. Abu Dhabi National Insurance Co PJSC's value of 11.48% is 1.8% below this benchmark. Historically, Abu Dhabi National Insurance Co PJSC's own ROE % has ranged from 11.56 to 15.45 over the past decade. While the company's 10-year median is 13.71 vs. the industry median of 11.69, Abu Dhabi National Insurance Co PJSC 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.69, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi National Insurance Co PJSC's current ROE % of 11.48% is 1.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Abu Dhabi National Insurance Co PJSC and its competitors. For the Insurance industry, the median ROE % is 11.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Insurance Co PJSC's current ROE % is 11.48%, which is 16% below median its own 10-year median of 13.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ8.76, compared to a current price of د.إ7.20 — trading 17.8% below its estimated fair value. The current ROE % is 11.48%, which is 16% below median its 10-year median of 13.71 and 1.8% below the Insurance industry median of 11.69. Abu Dhabi National Insurance Co PJSC's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Abu Dhabi National Insurance Co PJSC (ADX:ADNIC), the current ROE % is 11.48% 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 Abu Dhabi National Insurance Co PJSC (ADX:ADNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ7.20 is trading 17.8% below its estimated GF Value™ of د.إ8.76.
GuruFocus considers Abu Dhabi National Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:ADNIC:
ROE %: 11.48% (16% below median its 10-year median of 13.71)
GF Value™: د.إ8.76 vs. price of د.إ7.20 (17.8% below fair value)
Industry Position: 1.8% below the Insurance median (#196 of 507)
No single metric tells the full story. See the ADX:ADNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi National Insurance Co PJSC Business Description
Abu Dhabi National Insurance Co PJSC is engaged in the transaction of insurance and reinsurance business of all classes. The company is organized into two main business segments: Underwriting of commercial lines of business - incorporating all classes of general insurance including marine cargo, marine hull, aviation, energy, property and engineering; and Underwriting of consumer line of business - incorporating all classes of insurance including accident, life, motor and medical. The majority of revenue is derived from Underwriting of commercial lines of business segment.
63GF Score
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