Amlak Finance PJSCDFM:AMLAK 42 ROE % is 6.57% as of Mar. 2026, which is 31% above its 10-year median of 5.03. GuruFocus rates DFM:AMLAK with a GF Score™ of 42/100 and a GF Value™ of د.إ19.54 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Amlak Finance PJSC ranks better than 99.54% on this metric.
The historical rank and industry rank for Amlak Finance PJSC's ROE % or its related term are showing as below:
DFM:AMLAK'
s ROE % Range Over the Past 10 Years
Min: -94.82 Med: 5.03 Max: 148.49
Current: 63.42
During the past 13 years, Amlak Finance PJSC's highest ROE % was 148.49%. The lowest was -94.82%. And the median was 5.03%.
DFM:AMLAK's ROE % is ranked better than 99.54% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs DFM:AMLAK: 63.42
Amlak Finance PJSC (DFM:AMLAK) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
Amlak Finance PJSC ROE % Related Terms
Amlak Finance PJSC ROE % Historical Data
* Premium members only.
The historical data trend for Amlak Finance 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 Mortgage Finance subindustry, Amlak Finance 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.
Amlak Finance PJSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Amlak Finance PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where Amlak Finance 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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Amlak Finance PJSC (DFM:AMLAK) has a ROE % of 6.57% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Amlak Finance PJSC and its competitors. This is 31% above median its historical median of 5.03. According to the industry distribution chart, Amlak Finance PJSC ranks #7 out of 1524 companies in the Banks industry, placing it in the top 0.5%.
Is Amlak Finance PJSC's ROE % too high?
Amlak Finance PJSC's current ROE % of 6.57% is 31% above median its 10-year median of 5.03. The Banks industry median ROE % is 10.22. Amlak Finance PJSC's value of 6.57% is 35.7% below this industry median. Based on the distribution chart, Amlak Finance PJSC ranks #7 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak Finance PJSC has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #7 out of 1524 companies for ROE %. This places Amlak Finance PJSC in the top 1% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Amlak Finance PJSC's value of 6.57% is 35.7% below this benchmark. While the company's 10-year median is 5.03 vs. the industry median of 10.22, Amlak Finance 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 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. Amlak Finance PJSC's current ROE % of 6.57% is 35.7% 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 Amlak Finance PJSC 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. Amlak Finance PJSC's current ROE % is 6.57%, which is 31% above median its own 10-year median of 5.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Based on GuruFocus' analysis, Amlak Finance PJSC (DFM:AMLAK) is currently considered Possible Value Trap. The stock's GF Value™ is د.إ19.54, compared to a current price of د.إ1.28 — trading 93.4% below its estimated fair value. The current ROE % is 6.57%, which is 31% above median its 10-year median of 5.03 and 35.7% below the Banks industry median of 10.22. Amlak Finance PJSC's overall GF Score™ is 42/100 with 1 warning sign 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 Amlak Finance PJSC (DFM:AMLAK), the current ROE % is 6.57% as of Mar. 2026. 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 Amlak Finance PJSC (DFM:AMLAK) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak Finance PJSC stock appears to be undervalued.
The current stock price of د.إ1.28 is trading 93.4% below its estimated GF Value™ of د.إ19.54.
GuruFocus considers Amlak Finance PJSC to be Possible Value Trap.
Key valuation signals for DFM:AMLAK:
ROE %: 6.57% (31% above median its 10-year median of 5.03)
GF Value™: د.إ19.54 vs. price of د.إ1.28 (93.4% below fair value)
Industry Position: 35.7% below the Banks median (#7 of 1524)
No single metric tells the full story. See the DFM:AMLAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
42GF Score
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