Bank AudiLBQAZF 68 ROE % is 7.69% as of Dec. 2025, which is at its 10-year median of 7.69. GuruFocus rates BQAZF with a GF Score™ of 68/100. Among 1,524 Banks companies, Bank AudiL ranks worse than 66.99% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank AudiL's annualized net income for the quarter that ended in Dec. 2025 was $83.0 Mil. Bank AudiL's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $1,079.9 Mil. Therefore, Bank AudiL's annualized ROE % for the quarter that ended in Dec. 2025 was 7.69%.
The historical rank and industry rank for Bank AudiL's ROE % or its related term are showing as below:
BQAZF'
s ROE % Range Over the Past 10 Years
Min: -18.39 Med: 7.69 Max: 14.52
Current: 7.69
During the past 13 years, Bank AudiL's highest ROE % was 14.52%. The lowest was -18.39%. And the median was 7.69%.
BQAZF's ROE % is ranked worse than 66.99% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs BQAZF: 7.69
Bank AudiL (OTCPK:BQAZF) 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.
Bank AudiL ROE % Related Terms
Bank AudiL ROE % Historical Data
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The historical data trend for Bank AudiL'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 Banks - Diversified subindustry, Bank AudiL'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.
Bank AudiL ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank AudiL's ROE % distribution charts can be found below:
* The bar in red indicates where Bank AudiL'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.
Bank AudiL (BQAZF) has a ROE % of 7.69% 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 Bank AudiL and its competitors. This is near median its historical median of 7.69. According to the industry distribution chart, Bank AudiL ranks #1021 out of 1524 companies in the Banks industry, placing it in the top 67%.
Is Bank AudiL's ROE % too high?
Bank AudiL's current ROE % of 7.69% is near median its 10-year median of 7.69. The Banks industry median ROE % is 10.22. Bank AudiL's value of 7.69% is 24.8% below this industry median. Based on the distribution chart, Bank AudiL ranks #1021 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Bank AudiL has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Bank AudiL's ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Bank AudiL ranks #1021 out of 1524 companies for ROE %. This places Bank AudiL in the lower half of its industry. The industry median ROE % is 10.22. Bank AudiL's value of 7.69% is 24.8% below this benchmark. While the company's 10-year median is 7.69 vs. the industry median of 10.22, Bank AudiL 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 a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 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. Bank AudiL's current ROE % of 7.69% is 24.8% 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 Bank AudiL and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank AudiL's current ROE % is 7.69%, which is near median its own 10-year median of 7.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AudiL stock overvalued right now?
Bank AudiL (BQAZF) has a current ROE % of 7.69%. The current ROE % is 7.69%, which is near median its 10-year median of 7.69 and 24.8% below the Banks industry median of 10.22. Bank AudiL's overall GF Score™ is 68/100. 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 Bank AudiL (BQAZF), the current ROE % is 7.69% 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.
Bank Audi SAL offers universal banking products and services covering Corporate, Commercial, Individual, and Private Banking services to a diversified client base, mainly in the MENA region. It provides loans, deposits, trade finance, as well as regular Corporate and Commercial Banking activities. Its segments are Corporate and Commercial, Retail and personal, Treasury and capital markets, and Group functions and head office. It generates maximum revenue from providing Treasury services, which include transactions in money and capital markets for the Group's customers, managing investment and trading transactions (locally and internationally), and managing liquidity, foreign currency, and market risks. It operates in Lebanon, the Middle East and North Africa (MENA), and Europe.
68GF Score
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