Trust Islami Life InsuranceDHA:TILIL +1.52%40 ROE % is 19.42% as of Jun. 2025, which is 36% below its 10-year median of 30.26. GuruFocus rates DHA:TILIL with a GF Score™ of 40/100. The stock has 1 warning sign investors should review. Among 502 Insurance companies, Trust Islami Life Insurance ranks better than 86.06% on this metric.
The historical rank and industry rank for Trust Islami Life Insurance's ROE % or its related term are showing as below:
DHA:TILIL'
s ROE % Range Over the Past 10 Years
Min: 19.51 Med: 30.26 Max: 31.67
Current: 23.94
During the past 3 years, Trust Islami Life Insurance's highest ROE % was 31.67%. The lowest was 19.51%. And the median was 30.26%.
DHA:TILIL's ROE % is ranked better than 86.06% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs DHA:TILIL: 23.94
Trust Islami Life Insurance (DHA:TILIL) 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 (Jun. 2025) net income data. The Revenue data used here is four times the quarterly (Jun. 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, Trust Islami Life Insurance'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.
Trust Islami Life Insurance ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Trust Islami Life Insurance's ROE % distribution charts can be found below:
* The bar in red indicates where Trust Islami Life Insurance'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 (Jun. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Trust Islami Life Insurance (DHA:TILIL) has a ROE % of 19.42% as of Jun. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Trust Islami Life Insurance and its competitors. This is 36% below median its historical median of 30.26. Over the past decade, Trust Islami Life Insurance's ROE % has ranged from 19.51 to 31.67. According to the industry distribution chart, Trust Islami Life Insurance ranks #70 out of 502 companies in the Insurance industry, placing it in the top 13.9%.
Is Trust Islami Life Insurance's ROE % too high?
Trust Islami Life Insurance's current ROE % of 19.42% is 36% below median its 10-year median of 30.26. Over the past 10 years, this metric has ranged from a low of 19.51 to a high of 31.67. The Insurance industry median ROE % is 11.73. Trust Islami Life Insurance's value of 19.42% is 65.6% above this industry median. Based on the distribution chart, Trust Islami Life Insurance ranks #70 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Trust Islami Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Trust Islami Life Insurance's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Trust Islami Life Insurance ranks #70 out of 502 companies for ROE %. This places Trust Islami Life Insurance in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Trust Islami Life Insurance's value of 19.42% is 65.6% above this benchmark. Historically, Trust Islami Life Insurance's own ROE % has ranged from 19.51 to 31.67 over the past decade. While the company's 10-year median is 30.26 vs. the industry median of 11.73, Trust Islami Life Insurance 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. Trust Islami Life Insurance's current ROE % of 19.42% is 65.6% 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 Trust Islami Life Insurance 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. Trust Islami Life Insurance's current ROE % is 19.42%, which is 36% below median its own 10-year median of 30.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Islami Life Insurance stock overvalued right now?
Trust Islami Life Insurance (DHA:TILIL) has a current ROE % of 19.42%. The current ROE % is 19.42%, which is 36% below median its 10-year median of 30.26 and 65.6% above the Insurance industry median of 11.73. Trust Islami Life Insurance's overall GF Score™ is 40/100 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 Trust Islami Life Insurance (DHA:TILIL), the current ROE % is 19.42% as of Jun. 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.
Trust Islami Life Insurance PLC, formerly known as Trust Islami Life Insurance Ltd, engages in carrying out all kinds of Life insurance activities. It is engaged in Ordinary life Insurance, Group Insurance (GI), and Non-traditional Micro Insurance businesses. The company offers products such as Ordinary Savings, Micro Savings, Sariah Plans, Pension Scheme, Children Protection, Investment plans.
40GF Score
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