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AIA GroupAAIGF +5.40%60 Return-on-Tangible-Asset is 2.22% as of Dec. 2025, which is 6% above its 10-year median of 2.10. GuruFocus rates AAIGF with a GF Score™ of 60/100 and a GF Value™ of $9.62 (Fairly Valued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, AIA Group ranks worse than 59.09% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. AIA Group's annualizedNet Income for the quarter that ended in Dec. 2025 was $7,400 Mil. AIA Group's average total tangible assets for the quarter that ended in Dec. 2025 was $333,256 Mil. Therefore, AIA Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 2.22%.
The historical rank and industry rank for AIA Group's Return-on-Tangible-Asset or its related term are showing as below:
AAIGF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.1 Med: 2.1 Max: 3.09
Current: 1.93
During the past 13 years, AIA Group's highest Return-on-Tangible-Asset was 3.09%. The lowest was 1.10%. And the median was 2.10%.
AAIGF's Return-on-Tangible-Asset is ranked worse than 59.09% of 506
companies
in the Insurance industry
Industry Median: 2.71
vs AAIGF: 1.93
AIA Group (OTCPK:AAIGF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
AIA Group Return-on-Tangible-Asset Related Terms
AIA Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for AIA Group's Return-on-Tangible-Asset 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.
AAIGF vs AFL, MET, PRU: Return-on-Tangible-Asset Comparison
For the Insurance - Life subindustry, AIA Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
AIA Group Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AIA Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 2.22% mean?
AIA Group (AAIGF) has a Return-on-Tangible-Asset of 2.22% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AIA Group and its competitors. This is near median its historical median of 2.10. Over the past decade, AIA Group's Return-on-Tangible-Asset has ranged from 1.10 to 3.09. According to the industry distribution chart, AIA Group ranks #299 out of 506 companies in the Insurance industry, placing it in the top 59.1%.
Is AIA Group's Return-on-Tangible-Asset too high?
AIA Group's current Return-on-Tangible-Asset of 2.22% is near median its 10-year median of 2.10. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 3.09. The Insurance industry median Return-on-Tangible-Asset is 2.71. AIA Group's value of 2.22% is 18.1% below this industry median. Based on the distribution chart, AIA Group ranks #299 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, AIA Group has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's Return-on-Tangible-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #299 out of 506 companies for Return-on-Tangible-Asset. This places AIA Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.71. AIA Group's value of 2.22% is 18.1% below this benchmark. Historically, AIA Group's own Return-on-Tangible-Asset has ranged from 1.10 to 3.09 over the past decade. While the company's 10-year median is 2.10 vs. the industry median of 2.71, AIA Group 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.71, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current Return-on-Tangible-Asset of 2.22% is 18.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on AIA Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current Return-on-Tangible-Asset is 2.22%, which is near median its own 10-year median of 2.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAIGF) is currently considered Fairly Valued. The stock's GF Value™ is $9.62, compared to a current price of $9.95 — trading 3.4% above its estimated fair value. The current Return-on-Tangible-Asset is 2.22%, which is near median its 10-year median of 2.10 and 18.1% below the Insurance industry median of 2.71. AIA Group's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For AIA Group (AAIGF), the current Return-on-Tangible-Asset is 2.22% as of Dec. 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.
Is AIA Group (AAIGF) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be overvalued.
The current stock price of $9.95 is trading 3.4% above its estimated GF Value™ of $9.62.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAIGF:
Return-on-Tangible-Asset: 2.22% (near median its 10-year median of 2.10)
GF Value™: $9.62 vs. price of $9.95 (3.4% above fair value)
Industry Position: 18.1% below the Insurance median (#299 of 506)
No single metric tells the full story. See the AAIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
60GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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