Linea Directa AseguradoraXMAD:LDA +3.32%69 Return-on-Tangible-Asset is 6.50% as of Dec. 2025, which is 4% above its 10-year median of 6.23. GuruFocus rates XMAD:LDA with a GF Score™ of 69/100 and a GF Value™ of €1.33 (Fairly Valued). Among 509 Insurance companies, Linea Directa Aseguradora ranks better than 82.71% 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. Linea Directa Aseguradora's annualizedNet Income for the quarter that ended in Dec. 2025 was €84 Mil. Linea Directa Aseguradora's average total tangible assets for the quarter that ended in Dec. 2025 was €1,290 Mil. Therefore, Linea Directa Aseguradora's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 6.50%.
The historical rank and industry rank for Linea Directa Aseguradora's Return-on-Tangible-Asset or its related term are showing as below:
XMAD:LDA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.39 Med: 6.23 Max: 9.47
Current: 6.82
During the past 6 years, Linea Directa Aseguradora's highest Return-on-Tangible-Asset was 9.47%. The lowest was -0.39%. And the median was 6.23%.
XMAD:LDA's Return-on-Tangible-Asset is ranked better than 82.71% of 509
companies
in the Insurance industry
Industry Median: 2.74
vs XMAD:LDA: 6.82
Linea Directa Aseguradora (XMAD:LDA) 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.
Linea Directa Aseguradora Return-on-Tangible-Asset Related Terms
Linea Directa Aseguradora Return-on-Tangible-Asset Historical Data
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The historical data trend for Linea Directa Aseguradora'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.
Linea Directa Aseguradora Return-on-Tangible-Asset Chart
XMAD:LDA vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora'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.
Linea Directa Aseguradora Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora'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 6.50% mean?
Linea Directa Aseguradora (XMAD:LDA) has a Return-on-Tangible-Asset of 6.50% 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 Linea Directa Aseguradora and its competitors. This is near median its historical median of 6.23. According to the industry distribution chart, Linea Directa Aseguradora ranks #88 out of 509 companies in the Insurance industry, placing it in the top 17.3%.
Is Linea Directa Aseguradora's Return-on-Tangible-Asset too high?
Linea Directa Aseguradora's current Return-on-Tangible-Asset of 6.50% is near median its 10-year median of 6.23. The Insurance industry median Return-on-Tangible-Asset is 2.74. Linea Directa Aseguradora's value of 6.50% is 137.2% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #88 out of 509 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Linea Directa Aseguradora has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #88 out of 509 companies for Return-on-Tangible-Asset. This places Linea Directa Aseguradora in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.74. Linea Directa Aseguradora's value of 6.50% is 137.2% above this benchmark. While the company's 10-year median is 6.23 vs. the industry median of 2.74, Linea Directa Aseguradora 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 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. Linea Directa Aseguradora's current Return-on-Tangible-Asset of 6.50% is 137.2% 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 Linea Directa Aseguradora 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. Linea Directa Aseguradora's current Return-on-Tangible-Asset is 6.50%, which is near median its own 10-year median of 6.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Fairly Valued. The stock's GF Value™ is €1.33, compared to a current price of €1.24 — trading 6.5% below its estimated fair value. The current Return-on-Tangible-Asset is 6.50%, which is near median its 10-year median of 6.23 and 137.2% above the Insurance industry median of 2.74. Linea Directa Aseguradora's overall GF Score™ is 69/100. 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 Linea Directa Aseguradora (XMAD:LDA), the current Return-on-Tangible-Asset is 6.50% 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be undervalued.
The current stock price of €1.24 is trading 6.5% below its estimated GF Value™ of €1.33.
GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.
Key valuation signals for XMAD:LDA:
Return-on-Tangible-Asset: 6.50% (near median its 10-year median of 6.23)
GF Value™: €1.33 vs. price of €1.24 (6.5% below fair value)
Industry Position: 137.2% above the Insurance median (#88 of 509)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
69GF Score
Get the complete analysis for XMAD:LDA
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