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AUB GroupASX:AUB +0.73%84 Return-on-Tangible-Asset is 3.37% as of Dec. 2025, which is 61% below its 10-year median of 8.62. GuruFocus rates ASX:AUB with a GF Score™ of 84/100 and a GF Value™ of A$49.75 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 507 Insurance companies, AUB Group ranks better than 89.55% 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. AUB Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$71 Mil. AUB Group's average total tangible assets for the quarter that ended in Dec. 2025 was A$2,095 Mil. Therefore, AUB Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 3.37%.
The historical rank and industry rank for AUB Group's Return-on-Tangible-Asset or its related term are showing as below:
ASX:AUB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 4.43 Med: 8.62 Max: 10.76
Current: 9.2
During the past 13 years, AUB Group's highest Return-on-Tangible-Asset was 10.76%. The lowest was 4.43%. And the median was 8.62%.
ASX:AUB's Return-on-Tangible-Asset is ranked better than 89.55% of 507
companies
in the Insurance industry
Industry Median: 2.74
vs ASX:AUB: 9.20
AUB Group (ASX:AUB) 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.
AUB Group Return-on-Tangible-Asset Related Terms
AUB Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for AUB 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.
ASX:AUB vs MRSH, AON, AJG: Return-on-Tangible-Asset Comparison
For the Insurance Brokers subindustry, AUB 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.
AUB Group Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, AUB Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AUB 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 3.37% mean?
AUB Group (ASX:AUB) has a Return-on-Tangible-Asset of 3.37% 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 AUB Group and its competitors. This is 61% below median its historical median of 8.62. Over the past decade, AUB Group's Return-on-Tangible-Asset has ranged from 4.43 to 10.76. According to the industry distribution chart, AUB Group ranks #53 out of 507 companies in the Insurance industry, placing it in the top 10.5%.
Is AUB Group's Return-on-Tangible-Asset too high?
AUB Group's current Return-on-Tangible-Asset of 3.37% is 61% below median its 10-year median of 8.62. Over the past 10 years, this metric has ranged from a low of 4.43 to a high of 10.76. The Insurance industry median Return-on-Tangible-Asset is 2.74. AUB Group's value of 3.37% is 23% above this industry median. Based on the distribution chart, AUB Group ranks #53 out of 507 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AUB Group has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AUB Group's Return-on-Tangible-Asset compare to MRSH and AON?
According to the Insurance industry distribution chart, AUB Group ranks #53 out of 507 companies for Return-on-Tangible-Asset. This places AUB Group in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.74. AUB Group's value of 3.37% is 23% above this benchmark. Historically, AUB Group's own Return-on-Tangible-Asset has ranged from 4.43 to 10.76 over the past decade. While the company's 10-year median is 8.62 vs. the industry median of 2.74, AUB Group 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.74, based on 507 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. AUB Group's current Return-on-Tangible-Asset of 3.37% is 23% 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 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 AUB Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AUB Group's current Return-on-Tangible-Asset is 3.37%, which is 61% below median its own 10-year median of 8.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AUB Group stock overvalued right now?
Based on GuruFocus' analysis, AUB Group (ASX:AUB) is currently considered Possible Value Trap. The stock's GF Value™ is A$49.75, compared to a current price of A$29.13 — trading 41.4% below its estimated fair value. The current Return-on-Tangible-Asset is 3.37%, which is 61% below median its 10-year median of 8.62 and 23% above the Insurance industry median of 2.74. AUB Group's overall GF Score™ is 84/100 with 5 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 AUB Group (ASX:AUB), the current Return-on-Tangible-Asset is 3.37% 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 AUB Group (ASX:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, AUB Group stock appears to be undervalued.
The current stock price of A$29.13 is trading 41.4% below its estimated GF Value™ of A$49.75.
GuruFocus considers AUB Group to be Possible Value Trap.
Key valuation signals for ASX:AUB:
Return-on-Tangible-Asset: 3.37% (61% below median its 10-year median of 8.62)
GF Value™: A$49.75 vs. price of A$29.13 (41.4% below fair value)
Industry Position: 23% above the Insurance median (#53 of 507)
No single metric tells the full story. See the ASX:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AUB Group is the second-largest general insurance broker network in Australia and New Zealand. It has an ownership in brokerage businesses that collectively write over AUD 5 billion in premiums. It also owns equity stakes in 35 underwriting agencies. AUB derives revenue from commissions (from insurers, ultimately paid for by AUB's customers), based on gross written premium from agencies it owns, and a share of profits from associates and joint ventures. GWP is split among personal (3%), small to medium enterprises (70%), and corporates (27%).
84GF 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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