Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for Aljazira Takaful Taawuni Co's ROE % or its related term are showing as below:
SAU:8012'
s ROE % Range Over the Past 10 Years
Min: 3.13 Med: 6.16 Max: 9.62
Current: 3.13
During the past 13 years, Aljazira Takaful Taawuni Co's highest ROE % was 9.62%. The lowest was 3.13%. And the median was 6.16%.
SAU:8012's ROE % is ranked worse than 84.63% of 501
companies
in the Insurance industry
Industry Median: 11.63
vs SAU:8012: 3.13
Aljazira Takaful Taawuni Co (SAU:8012) 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.
* 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, Aljazira Takaful Taawuni 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.
Aljazira Takaful Taawuni Co ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aljazira Takaful Taawuni Co's ROE % distribution charts can be found below:
* The bar in red indicates where Aljazira Takaful Taawuni 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.
Aljazira Takaful Taawuni Co (SAU:8012) has a ROE % of 2.95% 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 Aljazira Takaful Taawuni Co and its competitors. This is 52% below median its historical median of 6.16. Over the past decade, Aljazira Takaful Taawuni Co's ROE % has ranged from 3.13 to 9.62. According to the industry distribution chart, Aljazira Takaful Taawuni Co ranks #424 out of 501 companies in the Insurance industry, placing it in the top 84.6%.
Is Aljazira Takaful Taawuni Co's ROE % too high?
Aljazira Takaful Taawuni Co's current ROE % of 2.95% is 52% below median its 10-year median of 6.16. Over the past 10 years, this metric has ranged from a low of 3.13 to a high of 9.62. The Insurance industry median ROE % is 11.63. Aljazira Takaful Taawuni Co's value of 2.95% is 74.6% below this industry median. Based on the distribution chart, Aljazira Takaful Taawuni Co ranks #424 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Aljazira Takaful Taawuni Co has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aljazira Takaful Taawuni Co's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Aljazira Takaful Taawuni Co ranks #424 out of 501 companies for ROE %. This places Aljazira Takaful Taawuni Co in the lower half of its industry. The industry median ROE % is 11.63. Aljazira Takaful Taawuni Co's value of 2.95% is 74.6% below this benchmark. Historically, Aljazira Takaful Taawuni Co's own ROE % has ranged from 3.13 to 9.62 over the past decade. While the company's 10-year median is 6.16 vs. the industry median of 11.63, Aljazira Takaful Taawuni 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 an Insurance company?
The median ROE % among Insurance companies is 11.63, based on 501 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. Aljazira Takaful Taawuni Co's current ROE % of 2.95% is 74.6% 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 Aljazira Takaful Taawuni Co and its competitors. For the Insurance industry, the median ROE % is 11.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aljazira Takaful Taawuni Co's current ROE % is 2.95%, which is 52% below median its own 10-year median of 6.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aljazira Takaful Taawuni Co stock overvalued right now?
Based on GuruFocus' analysis, Aljazira Takaful Taawuni Co (SAU:8012) is currently considered Fairly Valued. The stock's GF Value™ is ﷼13.06, compared to a current price of ﷼12.10 — trading 7.4% below its estimated fair value. The current ROE % is 2.95%, which is 52% below median its 10-year median of 6.16 and 74.6% below the Insurance industry median of 11.63. Aljazira Takaful Taawuni Co's overall GF Score™ is 57/100 with 3 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 Aljazira Takaful Taawuni Co (SAU:8012), the current ROE % is 2.95% 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 Aljazira Takaful Taawuni Co (SAU:8012) Overvalued in 2026?
Based on GuruFocus' analysis, Aljazira Takaful Taawuni Co stock appears to be undervalued.
The current stock price of ﷼12.10 is trading 7.4% below its estimated GF Value™ of ﷼13.06.
GuruFocus considers Aljazira Takaful Taawuni Co to be Fairly Valued.
Key valuation signals for SAU:8012:
ROE %: 2.95% (52% below median its 10-year median of 6.16)
GF Value™: ﷼13.06 vs. price of ﷼12.10 (7.4% below fair value)
Industry Position: 74.6% below the Insurance median (#424 of 501)
No single metric tells the full story. See the SAU:8012 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aljazira Takaful Taawuni Co provides protection and savings insurance solutions to individuals as well as public and private sector companies. It has the following operating segments: Non-life, Individual Life, and Group Life. The business operations of the company are located in the Kingdom of Saudi Arabia.
57GF Score
Get the complete analysis for SAU:8012
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SAU:8012 has been successfully added to your 
