KUW:ALMANAR'
s ROE % Range Over the Past 10 Years
Min: -11.34 Med: 4.6 Max: 8.9
Current: 8.9
During the past 8 years, Al Manar Financing & Leasing Co's highest ROE % was 8.90%. The lowest was -11.34%. And the median was 4.60%.
KUW:ALMANAR's ROE % is ranked better than 57.95% of 528
companies
in the Credit Services industry
Industry Median: 6.695
vs KUW:ALMANAR: 8.90
Al Manar Financing & Leasing Co (KUW:ALMANAR) 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.
Al Manar Financing & Leasing Co ROE % Related Terms
Al Manar Financing & Leasing Co 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 Credit Services subindustry, Al Manar Financing & Leasing Co'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.
Al Manar Financing & Leasing Co ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Al Manar Financing & Leasing Co's ROE % distribution charts can be found below:
* The bar in red indicates where Al Manar Financing & Leasing Co'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.
Al Manar Financing & Leasing Co (KUW:ALMANAR) has a ROE % of 4.02% 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 Al Manar Financing & Leasing Co and its competitors. This is 13% below median its historical median of 4.60. According to the industry distribution chart, Al Manar Financing & Leasing Co ranks #222 out of 528 companies in the Credit Services industry, placing it in the top 42%.
Is Al Manar Financing & Leasing Co's ROE % too high?
Al Manar Financing & Leasing Co's current ROE % of 4.02% is 13% below median its 10-year median of 4.60. The Credit Services industry median ROE % is 6.70. Al Manar Financing & Leasing Co's value of 4.02% is 40% below this industry median. Based on the distribution chart, Al Manar Financing & Leasing Co ranks #222 out of 528 companies in the Credit Services industry, which is above the industry midpoint. Overall, Al Manar Financing & Leasing Co has a GF Score™ of 38/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Al Manar Financing & Leasing Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Al Manar Financing & Leasing Co ranks #222 out of 528 companies for ROE %. This puts Al Manar Financing & Leasing Co in the upper half of its industry. The industry median ROE % is 6.70. Al Manar Financing & Leasing Co's value of 4.02% is 40% below this benchmark. While the company's 10-year median is 4.60 vs. the industry median of 6.70, Al Manar Financing & Leasing Co 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 Credit Services company?
The median ROE % among Credit Services companies is 6.70, based on 528 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. Al Manar Financing & Leasing Co's current ROE % of 4.02% is 40% 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 Al Manar Financing & Leasing Co and its competitors. For the Credit Services industry, the median ROE % is 6.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Manar Financing & Leasing Co's current ROE % is 4.02%, which is 13% below median its own 10-year median of 4.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Manar Financing & Leasing Co stock overvalued right now?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co (KUW:ALMANAR) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.10, compared to a current price of KWD0.11 — trading 11% above its estimated fair value. The current ROE % is 4.02%, which is 13% below median its 10-year median of 4.60 and 40% below the Credit Services industry median of 6.70. Al Manar Financing & Leasing Co's overall GF Score™ is 38/100 with 4 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 Al Manar Financing & Leasing Co (KUW:ALMANAR), the current ROE % is 4.02% 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 Al Manar Financing & Leasing Co (KUW:ALMANAR) Overvalued in 2026?
Based on GuruFocus' analysis, Al Manar Financing & Leasing Co stock appears to be overvalued.
The current stock price of KWD0.11 is trading 11% above its estimated GF Value™ of KWD0.10.
GuruFocus considers Al Manar Financing & Leasing Co to be Modestly Overvalued.
Key valuation signals for KUW:ALMANAR:
ROE %: 4.02% (13% below median its 10-year median of 4.60)
GF Value™: KWD0.10 vs. price of KWD0.11 (11% above fair value)
Industry Position: 40% below the Credit Services median (#222 of 528)
No single metric tells the full story. See the KUW:ALMANAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Manar Financing & Leasing Co Business Description
Al Manar Financing & Leasing Co is Kuwait based company that operates as an Islamic financing institution. It provides all credit facilities, Leasing services, and investments in Real estate, Industrial, Agricultural, and Economic sectors. Its operating segments are Finance, Investments, and others. The majority of its revenue comes from the Finance segment.
38GF Score
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