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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-Takaful Palestinian Insurance ROE % Related Terms
Al-Takaful Palestinian Insurance 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 Insurance - Diversified subindustry, Al-Takaful Palestinian 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.
Al-Takaful Palestinian Insurance ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Al-Takaful Palestinian Insurance's ROE % distribution charts can be found below:
* The bar in red indicates where Al-Takaful Palestinian 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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Al-Takaful Palestinian Insurance (XPAE:TIC) has a ROE % of 3.53% 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-Takaful Palestinian Insurance and its competitors. This is 63% below median its historical median of 9.66. Over the past decade, Al-Takaful Palestinian Insurance's ROE % has ranged from 6.61 to 16.18. According to the industry distribution chart, Al-Takaful Palestinian Insurance ranks #355 out of 501 companies in the Insurance industry, placing it in the top 70.9%.
Is Al-Takaful Palestinian Insurance's ROE % too high?
Al-Takaful Palestinian Insurance's current ROE % of 3.53% is 63% below median its 10-year median of 9.66. Over the past 10 years, this metric has ranged from a low of 6.61 to a high of 16.18. The Insurance industry median ROE % is 11.64. Al-Takaful Palestinian Insurance's value of 3.53% is 69.7% below this industry median. Based on the distribution chart, Al-Takaful Palestinian Insurance ranks #355 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, Al-Takaful Palestinian Insurance has a GF Score™ of 94/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Al-Takaful Palestinian Insurance's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al-Takaful Palestinian Insurance ranks #355 out of 501 companies for ROE %. This places Al-Takaful Palestinian Insurance in the lower half of its industry. The industry median ROE % is 11.64. Al-Takaful Palestinian Insurance's value of 3.53% is 69.7% below this benchmark. Historically, Al-Takaful Palestinian Insurance's own ROE % has ranged from 6.61 to 16.18 over the past decade. While the company's 10-year median is 9.66 vs. the industry median of 11.64, Al-Takaful Palestinian Insurance 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 11.64, 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. Al-Takaful Palestinian Insurance's current ROE % of 3.53% is 69.7% 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 Al-Takaful Palestinian Insurance and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al-Takaful Palestinian Insurance's current ROE % is 3.53%, which is 63% below median its own 10-year median of 9.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al-Takaful Palestinian Insurance stock overvalued right now?
Based on GuruFocus' analysis, Al-Takaful Palestinian Insurance (XPAE:TIC) is currently considered Fairly Valued. The stock's GF Value™ is $2.95, compared to a current price of $2.90 — trading 1.7% below its estimated fair value. The current ROE % is 3.53%, which is 63% below median its 10-year median of 9.66 and 69.7% below the Insurance industry median of 11.64. Al-Takaful Palestinian Insurance's overall GF Score™ is 94/100 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 Al-Takaful Palestinian Insurance (XPAE:TIC), the current ROE % is 3.53% 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-Takaful Palestinian Insurance (XPAE:TIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al-Takaful Palestinian Insurance stock appears to be undervalued.
The current stock price of $2.90 is trading 1.7% below its estimated GF Value™ of $2.95.
GuruFocus considers Al-Takaful Palestinian Insurance to be Fairly Valued.
Key valuation signals for XPAE:TIC:
ROE %: 3.53% (63% below median its 10-year median of 9.66)
GF Value™: $2.95 vs. price of $2.90 (1.7% below fair value)
Industry Position: 69.7% below the Insurance median (#355 of 501)
No single metric tells the full story. See the XPAE:TIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al-Takaful Palestinian Insurance Business Description
Al-Takaful Palestinian Insurance is a Palestine-based company that is engaged in providing multiple insurance programs and services that is compliant with Shariah. The company provides Medical insurance, which provides insurance for general and physician doctors, pharmacies, laboratories, and X-rays; Motor insurance, which provides insurance for theft, collision, and fire; Family insurance, which provides insurance for natural death, accidental death, and other; and General insurance.
94GF Score
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