Vaudoise Assurances HoldingVDASF 54 Return-on-Tangible-Asset is 1.63% as of Dec. 2025, which is 5% above its 10-year median of 1.55. GuruFocus rates VDASF with a GF Score™ of 54/100 and a GF Value™ of $318.25. The stock has 4 warning signs investors should review. Among 509 Insurance companies, Vaudoise Assurances Holding ranks worse than 62.87% on this metric.
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.
Vaudoise Assurances Holding Return-on-Tangible-Asset Related Terms
Vaudoise Assurances Holding 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.
VDASF vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Vaudoise Assurances Holding'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.
Vaudoise Assurances Holding Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding'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 1.63% mean?
Vaudoise Assurances Holding (VDASF) has a Return-on-Tangible-Asset of 1.63% 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 Vaudoise Assurances Holding and its competitors. This is near median its historical median of 1.55. Over the past decade, Vaudoise Assurances Holding's Return-on-Tangible-Asset has ranged from 1.47 to 1.75. According to the industry distribution chart, Vaudoise Assurances Holding ranks #320 out of 509 companies in the Insurance industry, placing it in the top 62.9%.
Is Vaudoise Assurances Holding's Return-on-Tangible-Asset too high?
Vaudoise Assurances Holding's current Return-on-Tangible-Asset of 1.63% is near median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.47 to a high of 1.75. The Insurance industry median Return-on-Tangible-Asset is 2.76. Vaudoise Assurances Holding's value of 1.63% is 40.9% below this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #320 out of 509 companies in the Insurance industry, which is below the industry midpoint. Overall, Vaudoise Assurances Holding has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Vaudoise Assurances Holding's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #320 out of 509 companies for Return-on-Tangible-Asset. This places Vaudoise Assurances Holding in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.76. Vaudoise Assurances Holding's value of 1.63% is 40.9% below this benchmark. Historically, Vaudoise Assurances Holding's own Return-on-Tangible-Asset has ranged from 1.47 to 1.75 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 2.76, Vaudoise Assurances Holding 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 2.76, based on 509 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. Vaudoise Assurances Holding's current Return-on-Tangible-Asset of 1.63% is 40.9% 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 Vaudoise Assurances Holding and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vaudoise Assurances Holding's current Return-on-Tangible-Asset is 1.63%, which is near median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vaudoise Assurances Holding stock overvalued right now?
Vaudoise Assurances Holding (VDASF) has a current Return-on-Tangible-Asset of 1.63%. The stock's GF Value™ is $318.25, compared to a current price of $477.00 — trading 49.9% above its estimated fair value. The current Return-on-Tangible-Asset is 1.63%, which is near median its 10-year median of 1.55 and 40.9% below the Insurance industry median of 2.76. Vaudoise Assurances Holding's overall GF Score™ is 54/100 with 4 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 Vaudoise Assurances Holding (VDASF), the current Return-on-Tangible-Asset is 1.63% 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 Vaudoise Assurances Holding (VDASF) Overvalued in 2026?
Based on GuruFocus' analysis, Vaudoise Assurances Holding stock appears to be overvalued.
The current stock price of $477.00 is trading 49.9% above its estimated GF Value™ of $318.25.
Key valuation signals for VDASF:
Return-on-Tangible-Asset: 1.63% (near median its 10-year median of 1.55)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 40.9% below the Insurance median (#320 of 509)
No single metric tells the full story. See the VDASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vaudoise Assurances Holding SA is a Swiss-based company engaged in the provision of life and non-life insurance services. The company, together with its subsidiaries, offers health, accident, fire, and third-party, as well as motor and transport insurance products, among others. It mainly serves individuals, small and medium-scale businesses, and the public sector. The group's operating segments are: Non-life domain, Life domain, and Other activities. Maximum revenue is generated from its Non-life insurance products. Geographically, the majority of the group's revenue is generated from Switzerland, and the rest from Liechtenstein.
54GF Score
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