Finance House PJSCADX:FH 49 ROE % is 7.69% as of Jun. 2025, which is 219% above its 10-year median of 2.41. GuruFocus rates ADX:FH with a GF Score™ of 49/100 and a GF Value™ of د.إ2.21 (Fairly Valued). The stock has 5 warning signs investors should review. Among 529 Credit Services companies, Finance House PJSC ranks worse than 57.66% on this metric.
The historical rank and industry rank for Finance House PJSC's ROE % or its related term are showing as below:
ADX:FH'
s ROE % Range Over the Past 10 Years
Min: 0.29 Med: 2.41 Max: 9.64
Current: 4.15
During the past 13 years, Finance House PJSC's highest ROE % was 9.64%. The lowest was 0.29%. And the median was 2.41%.
ADX:FH's ROE % is ranked worse than 57.66% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs ADX:FH: 4.15
Finance House PJSC (ADX:FH) 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 (Jun. 2025) net income data. The Revenue data used here is four times the quarterly (Jun. 2025) 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.
Finance House PJSC ROE % Related Terms
Finance House PJSC ROE % Historical Data
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The historical data trend for Finance House PJSC's ROE % 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 Credit Services subindustry, Finance House 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.
Finance House PJSC ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where Finance House PJSC's ROE % 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 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 (Jun. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Finance House PJSC (ADX:FH) has a ROE % of 7.69% as of Jun. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Finance House PJSC and its competitors. This is 219% above median its historical median of 2.41. Over the past decade, Finance House PJSC's ROE % has ranged from 0.29 to 9.64. According to the industry distribution chart, Finance House PJSC ranks #305 out of 529 companies in the Credit Services industry, placing it in the top 57.7%.
Is Finance House PJSC's ROE % too high?
Finance House PJSC's current ROE % of 7.69% is 219% above median its 10-year median of 2.41. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 9.64. The Credit Services industry median ROE % is 6.61. Finance House PJSC's value of 7.69% is 16.3% above this industry median. Based on the distribution chart, Finance House PJSC ranks #305 out of 529 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Finance House PJSC ranks #305 out of 529 companies for ROE %. This places Finance House PJSC in the lower half of its industry. The industry median ROE % is 6.61. Finance House PJSC's value of 7.69% is 16.3% above this benchmark. Historically, Finance House PJSC's own ROE % has ranged from 0.29 to 9.64 over the past decade. While the company's 10-year median is 2.41 vs. the industry median of 6.61, Finance House PJSC 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 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. Finance House PJSC's current ROE % of 7.69% is 16.3% 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 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 Finance House PJSC and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance House PJSC's current ROE % is 7.69%, which is 219% above median its own 10-year median of 2.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The stock's GF Value™ is د.إ2.21, compared to a current price of د.إ2.10 — trading 5% below its estimated fair value. The current ROE % is 7.69%, which is 219% above median its 10-year median of 2.41 and 16.3% above the Credit Services industry median of 6.61. Finance House PJSC's overall GF Score™ is 49/100 with 5 warning signs 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 Finance House PJSC (ADX:FH), the current ROE % is 7.69% as of Jun. 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 Finance House PJSC (ADX:FH) Overvalued in 2026?
Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued.
The current stock price of د.إ2.10 is trading 5% below its estimated GF Value™ of د.إ2.21.
GuruFocus considers Finance House PJSC to be Fairly Valued.
Key valuation signals for ADX:FH:
ROE %: 7.69% (219% above median its 10-year median of 2.41)
GF Value™: د.إ2.21 vs. price of د.إ2.10 (5% below fair value)
Industry Position: 16.3% above the Credit Services median (#305 of 529)
No single metric tells the full story. See the ADX:FH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score
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