Abu Dhabi National Takaful Co PSCADX:TKFL 72 ROE % is 24.22% as of Dec. 2025, which is 21% above its 10-year median of 20.07. GuruFocus rates ADX:TKFL with a GF Score™ of 72/100 and a GF Value™ of د.إ8.21 (Significantly Undervalued). Among 506 Insurance companies, Abu Dhabi National Takaful Co PSC ranks better than 86.56% on this metric.
ADX:TKFL'
s ROE % Range Over the Past 10 Years
Min: 16.61 Med: 20.07 Max: 24.22
Current: 24.22
During the past 13 years, Abu Dhabi National Takaful Co PSC's highest ROE % was 24.22%. The lowest was 16.61%. And the median was 20.07%.
ADX:TKFL's ROE % is ranked better than 86.56% of 506
companies
in the Insurance industry
Industry Median: 11.675
vs ADX:TKFL: 24.22
Abu Dhabi National Takaful Co PSC (ADX:TKFL) 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.
Abu Dhabi National Takaful Co PSC ROE % Related Terms
Abu Dhabi National Takaful Co PSC 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 Takaful 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.
Abu Dhabi National Takaful Co PSC ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Abu Dhabi National Takaful Co PSC's ROE % distribution charts can be found below:
* The bar in red indicates where Abu Dhabi National Takaful 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.
Abu Dhabi National Takaful Co PSC (ADX:TKFL) has a ROE % of 24.22% 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 Abu Dhabi National Takaful Co PSC and its competitors. This is 21% above median its historical median of 20.07. Over the past decade, Abu Dhabi National Takaful Co PSC's ROE % has ranged from 16.61 to 24.22. According to the industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #68 out of 506 companies in the Insurance industry, placing it in the top 13.4%.
Is Abu Dhabi National Takaful Co PSC's ROE % too high?
Abu Dhabi National Takaful Co PSC's current ROE % of 24.22% is 21% above median its 10-year median of 20.07. Over the past 10 years, this metric has ranged from a low of 16.61 to a high of 24.22. The Insurance industry median ROE % is 11.68. Abu Dhabi National Takaful Co PSC's value of 24.22% is 107.5% above this industry median. Based on the distribution chart, Abu Dhabi National Takaful Co PSC ranks #68 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi National Takaful Co PSC has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi National Takaful Co PSC's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Abu Dhabi National Takaful Co PSC ranks #68 out of 506 companies for ROE %. This places Abu Dhabi National Takaful Co PSC in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Abu Dhabi National Takaful Co PSC's value of 24.22% is 107.5% above this benchmark. Historically, Abu Dhabi National Takaful Co PSC's own ROE % has ranged from 16.61 to 24.22 over the past decade. While the company's 10-year median is 20.07 vs. the industry median of 11.68, Abu Dhabi National Takaful 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 11.68, based on 506 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 Takaful Co PSC's current ROE % of 24.22% is 107.5% 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 Abu Dhabi National Takaful Co PSC and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi National Takaful Co PSC's current ROE % is 24.22%, which is 21% above median its own 10-year median of 20.07. 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 Takaful Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC (ADX:TKFL) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ8.21, compared to a current price of د.إ5.09 — trading 38% below its estimated fair value. The current ROE % is 24.22%, which is 21% above median its 10-year median of 20.07 and 107.5% above the Insurance industry median of 11.68. Abu Dhabi National Takaful Co PSC's overall GF Score™ is 72/100. 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 Takaful Co PSC (ADX:TKFL), the current ROE % is 24.22% 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 Abu Dhabi National Takaful Co PSC (ADX:TKFL) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi National Takaful Co PSC stock appears to be undervalued.
The current stock price of د.إ5.09 is trading 38% below its estimated GF Value™ of د.إ8.21.
GuruFocus considers Abu Dhabi National Takaful Co PSC to be Significantly Undervalued.
Key valuation signals for ADX:TKFL:
ROE %: 24.22% (21% above median its 10-year median of 20.07)
GF Value™: د.إ8.21 vs. price of د.إ5.09 (38% below fair value)
Industry Position: 107.5% above the Insurance median (#68 of 506)
No single metric tells the full story. See the ADX:TKFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi National Takaful Co PSC Business Description
Abu Dhabi National Takaful Co PSC is engaged in providing Takaful insurance solutions for the regional market. The company is licensed by the Ministry of Economy & Commerce as the first Takaful operator in the emirates of Abu Dhabi and is among the Islamic insurance companies operating in the United Arab Emirates. The company's core business activities and investments are conducted in accordance with the Islamic Sharia. The company has different types of products and services, which have been developed under the guidance of the Fatwa & Sharia Supervisory Board to meet the varying needs of clients in the field of Islamic finance.
72GF Score
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