The historical rank and industry rank for HAYAH Insurance Co PJSC's ROE % or its related term are showing as below:
ADX:HAYAH'
s ROE % Range Over the Past 10 Years
Min: -14.14 Med: 0.56 Max: 6.19
Current: 1.32
During the past 13 years, HAYAH Insurance Co PJSC's highest ROE % was 6.19%. The lowest was -14.14%. And the median was 0.56%.
ADX:HAYAH's ROE % is ranked worse than 89.74% of 507
companies
in the Insurance industry
Industry Median: 11.69
vs ADX:HAYAH: 1.32
HAYAH Insurance Co PJSC (ADX:HAYAH) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 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.
* 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 - Life subindustry, HAYAH 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.
HAYAH Insurance Co PJSC ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where HAYAH Insurance Co 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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
HAYAH Insurance Co PJSC (ADX:HAYAH) has a ROE % of 1.32% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on HAYAH Insurance Co PJSC and its competitors. This is 136% above median its historical median of 0.56. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #455 out of 507 companies in the Insurance industry, placing it in the top 89.7%.
Is HAYAH Insurance Co PJSC's ROE % too high?
HAYAH Insurance Co PJSC's current ROE % of 1.32% is 136% above median its 10-year median of 0.56. The Insurance industry median ROE % is 11.69. HAYAH Insurance Co PJSC's value of 1.32% is 88.7% below this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #455 out of 507 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HAYAH 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 HAYAH Insurance Co PJSC's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #455 out of 507 companies for ROE %. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median ROE % is 11.69. HAYAH Insurance Co PJSC's value of 1.32% is 88.7% below this benchmark. While the company's 10-year median is 0.56 vs. the industry median of 11.69, HAYAH 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. HAYAH Insurance Co PJSC's current ROE % of 1.32% is 88.7% 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 HAYAH 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. HAYAH Insurance Co PJSC's current ROE % is 1.32%, which is 136% above median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.80, compared to a current price of د.إ1.34 — trading 25.6% below its estimated fair value. The current ROE % is 1.32%, which is 136% above median its 10-year median of 0.56 and 88.7% below the Insurance industry median of 11.69. HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 with 2 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 HAYAH Insurance Co PJSC (ADX:HAYAH), the current ROE % is 1.32% 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ1.34 is trading 25.6% below its estimated GF Value™ of د.إ1.80.
GuruFocus considers HAYAH Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:HAYAH:
ROE %: 1.32% (136% above median its 10-year median of 0.56)
GF Value™: د.إ1.80 vs. price of د.إ1.34 (25.6% below fair value)
Industry Position: 88.7% below the Insurance median (#455 of 507)
No single metric tells the full story. See the ADX:HAYAH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score
Get the complete analysis for ADX:HAYAH
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ADX:HAYAH has been successfully added to your 
