ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Aareal Bank AG's annualizedNet Income for the quarter that ended in Sep. 2025 was $230 Mil.
Aareal Bank AG's average Total Assets over the quarter that ended in Sep. 2025 was $55,085 Mil. Therefore, Aareal Bank AG's annualized ROA % for the quarter that ended in Sep. 2025 was 0.42%.
The historical rank and industry rank for Aareal Bank AG's ROA % or its related term are showing as below:
AABKF'
s ROA % Range Over the Past 10 Years
Min: -0.18 Med: 0.4 Max: 4.87
Current: 4.87
During the past 13 years, Aareal Bank AG's highest ROA % was 4.87%. The lowest was -0.18%. And the median was 0.40%.
AABKF's ROA % is not ranked
in the Banks industry.
Industry Median: 0.98
vs AABKF: 4.87
Aareal Bank AG (OTCPK:AABKF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Sep. 2025) net income data. The Revenue data used here is four times the quarterly (Sep. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Aareal Bank AG ROA % Related Terms
Aareal Bank AG ROA % Historical Data
* Premium members only.
The historical data trend for Aareal Bank AG's ROA % 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.
For the Banks - Regional subindustry, Aareal Bank AG's ROA %, along with its competitors' market caps and ROA % 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.
Aareal Bank AG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Aareal Bank AG's ROA % distribution charts can be found below:
* The bar in red indicates where Aareal Bank AG's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Sep. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Aareal Bank AG (AABKF) has a ROA % of 0.42% as of Sep. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Aareal Bank AG and its competitors. This is near median its historical median of 0.40.
Is Aareal Bank AG's ROA % too high?
Aareal Bank AG's current ROA % of 0.42% is near median its 10-year median of 0.40. The Banks industry median ROA % is 0.98. Aareal Bank AG's value of 0.42% is 57.1% below this industry median. Overall, Aareal Bank AG has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Aareal Bank AG's ROA % compare to PNC and USB?
Aareal Bank AG's ROA % of 0.42% can be compared against companies in the Banks industry. The industry median ROA % is 0.98. Aareal Bank AG's value of 0.42% is 57.1% below this benchmark. While the company's 10-year median is 0.40 vs. the industry median of 0.98, Aareal Bank AG 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aareal Bank AG's current ROA % of 0.42% is 57.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Aareal Bank AG and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aareal Bank AG's current ROA % is 0.42%, which is near median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aareal Bank AG stock overvalued right now?
Aareal Bank AG (AABKF) has a current ROA % of 0.42%. The stock's GF Value™ is $35.41, compared to a current price of $31.99 — trading 9.7% below its estimated fair value. The current ROA % is 0.42%, which is near median its 10-year median of 0.40 and 57.1% below the Banks industry median of 0.98. Aareal Bank AG's overall GF Score™ is 20/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Aareal Bank AG (AABKF), the current ROA % is 0.42% as of Sep. 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 Aareal Bank AG (AABKF) Overvalued in 2026?
Based on GuruFocus' analysis, Aareal Bank AG stock appears to be undervalued.
The current stock price of $31.99 is trading 9.7% below its estimated GF Value™ of $35.41.
Key valuation signals for AABKF:
ROA %: 0.42% (near median its 10-year median of 0.40)
GF Value™: $35.41 vs. price of $31.99 (9.7% below fair value)
No single metric tells the full story. See the AABKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aareal Bank AG is the parent company of the Aareal Bank Group, an international purveyor of financing services that specializes in commercial property financing. The group's companies are organized into two business segments: Structured Property Financing and Banking & Digital Solutions. In the Structured property financing segment, the group facilitates property investments for its domestic and international clients, and is active in Europe, North America, and the Asia/Pacific region. The banking & digital solutions segment provides sector-specific payments processes to its clients from the institutional housing industry, the commercial property sector, as well as to the energy and utilities industry. The majority of the bank's new financing opportunities take place in Western Europe.
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