Sharjah Insurance Co PSCADX:SICO 32 ROE % is 21.14% as of Dec. 2025, which is 157% above its 10-year median of 8.22. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 502 Insurance companies, Sharjah Insurance Co PSC ranks better than 81.27% on this metric.
The historical rank and industry rank for Sharjah Insurance Co PSC's ROE % or its related term are showing as below:
ADX:SICO'
s ROE % Range Over the Past 10 Years
Min: -4.79 Med: 8.22 Max: 21.14
Current: 21.14
During the past 13 years, Sharjah Insurance Co PSC's highest ROE % was 21.14%. The lowest was -4.79%. And the median was 8.22%.
ADX:SICO's ROE % is ranked better than 81.27% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs ADX:SICO: 21.14
Sharjah Insurance Co PSC (ADX:SICO) 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 - Diversified subindustry, Sharjah Insurance Co PSC'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.
Sharjah Insurance Co PSC ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's ROE % distribution charts can be found below:
* The bar in red indicates where Sharjah Insurance Co PSC'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.
Sharjah Insurance Co PSC (ADX:SICO) has a ROE % of 21.14% 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 Sharjah Insurance Co PSC and its competitors. This is 157% above median its historical median of 8.22. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #94 out of 502 companies in the Insurance industry, placing it in the top 18.7%.
Is Sharjah Insurance Co PSC's ROE % too high?
Sharjah Insurance Co PSC's current ROE % of 21.14% is 157% above median its 10-year median of 8.22. The Insurance industry median ROE % is 11.73. Sharjah Insurance Co PSC's value of 21.14% is 80.2% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #94 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #94 out of 502 companies for ROE %. This places Sharjah Insurance Co PSC in the top 19% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Sharjah Insurance Co PSC's value of 21.14% is 80.2% above this benchmark. While the company's 10-year median is 8.22 vs. the industry median of 11.73, Sharjah Insurance Co PSC 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 an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 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. Sharjah Insurance Co PSC's current ROE % of 21.14% is 80.2% 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 Sharjah Insurance Co PSC and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Insurance Co PSC's current ROE % is 21.14%, which is 157% above median its own 10-year median of 8.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current ROE % of 21.14%. The current ROE % is 21.14%, which is 157% above median its 10-year median of 8.22 and 80.2% above the Insurance industry median of 11.73. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current ROE % is 21.14% 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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