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Agesa Hayat Ve Emeklilik ASIST:AGESA +2.87%57 Return-on-Tangible-Asset is 1.44% as of Mar. 2026, which is 8% below its 10-year median of 1.56. GuruFocus rates IST:AGESA with a GF Score™ of 57/100 and a GF Value™ of ₺327.60 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 507 Insurance companies, Agesa Hayat Ve Emeklilik AS ranks worse than 65.09% 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. Agesa Hayat Ve Emeklilik AS's annualizedNet Income for the quarter that ended in Mar. 2026 was ₺7,034 Mil. Agesa Hayat Ve Emeklilik AS's average total tangible assets for the quarter that ended in Mar. 2026 was ₺487,567 Mil. Therefore, Agesa Hayat Ve Emeklilik AS's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.44%.
The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Asset or its related term are showing as below:
IST:AGESA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.07 Med: 1.56 Max: 10.31
Current: 1.51
During the past 13 years, Agesa Hayat Ve Emeklilik AS's highest Return-on-Tangible-Asset was 10.31%. The lowest was 1.07%. And the median was 1.56%.
IST:AGESA's Return-on-Tangible-Asset is ranked worse than 65.09% of 507
companies
in the Insurance industry
Industry Median: 2.75
vs IST:AGESA: 1.51
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Asset Related Terms
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Asset 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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Asset Chart
IST:AGESA vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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 four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.44% mean?
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Return-on-Tangible-Asset of 1.44% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is near median its historical median of 1.56. Over the past decade, Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Asset has ranged from 1.07 to 10.31. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 507 companies in the Insurance industry, placing it in the top 65.1%.
Is Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Asset too high?
Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Asset of 1.44% is near median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 10.31. The Insurance industry median Return-on-Tangible-Asset is 2.75. Agesa Hayat Ve Emeklilik AS's value of 1.44% is 47.6% below this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 507 companies for Return-on-Tangible-Asset. This places Agesa Hayat Ve Emeklilik AS in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.75. Agesa Hayat Ve Emeklilik AS's value of 1.44% is 47.6% below this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own Return-on-Tangible-Asset has ranged from 1.07 to 10.31 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 2.75, Agesa Hayat Ve Emeklilik AS 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 2.75, 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. Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Asset of 1.44% is 47.6% 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 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current Return-on-Tangible-Asset is 1.44%, which is near median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺327.60, compared to a current price of ₺240.20 — trading 26.7% below its estimated fair value. The current Return-on-Tangible-Asset is 1.44%, which is near median its 10-year median of 1.56 and 47.6% below the Insurance industry median of 2.75. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Return-on-Tangible-Asset is 1.44% 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺240.20 is trading 26.7% below its estimated GF Value™ of ₺327.60.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
Return-on-Tangible-Asset: 1.44% (near median its 10-year median of 1.56)
GF Value™: ₺327.60 vs. price of ₺240.20 (26.7% below fair value)
Industry Position: 47.6% below the Insurance median (#330 of 507)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
Get the complete analysis for IST:AGESA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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