AIA GroupAAGIY -0.27%61 ROA % is 2.20% as of Dec. 2025, which is 6% above its 10-year median of 2.08. GuruFocus rates AAGIY with a GF Score™ of 61/100 and a GF Value™ of $37.56 (Fairly Valued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, AIA Group ranks worse than 60.28% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. AIA Group's annualizedNet Income for the quarter that ended in Dec. 2025 was $7,400 Mil.
AIA Group's average Total Assets over the quarter that ended in Dec. 2025 was $336,927 Mil. Therefore, AIA Group's annualized ROA % for the quarter that ended in Dec. 2025 was 2.20%.
The historical rank and industry rank for AIA Group's ROA % or its related term are showing as below:
AAGIY'
s ROA % Range Over the Past 10 Years
Min: 1.09 Med: 2.08 Max: 3.06
Current: 1.91
During the past 13 years, AIA Group's highest ROA % was 3.06%. The lowest was 1.09%. And the median was 2.08%.
AAGIY's ROA % is ranked worse than 60.28% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs AAGIY: 1.91
AIA Group (OTCPK:AAGIY) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 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.
AIA Group ROA % Related Terms
AIA Group ROA % Historical Data
* Premium members only.
The historical data trend for AIA Group'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 Insurance - Life subindustry, AIA Group'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.
AIA Group ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's ROA % distribution charts can be found below:
* The bar in red indicates where AIA Group'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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
AIA Group (AAGIY) has a ROA % of 2.20% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on AIA Group and its competitors. This is near median its historical median of 2.08. Over the past decade, AIA Group's ROA % has ranged from 1.09 to 3.06. According to the industry distribution chart, AIA Group ranks #305 out of 506 companies in the Insurance industry, placing it in the top 60.3%.
Is AIA Group's ROA % too high?
AIA Group's current ROA % of 2.20% is near median its 10-year median of 2.08. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 3.06. The Insurance industry median ROA % is 2.70. AIA Group's value of 2.20% is 18.5% below this industry median. Based on the distribution chart, AIA Group ranks #305 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #305 out of 506 companies for ROA %. This places AIA Group in the lower half of its industry. The industry median ROA % is 2.70. AIA Group's value of 2.20% is 18.5% below this benchmark. Historically, AIA Group's own ROA % has ranged from 1.09 to 3.06 over the past decade. While the company's 10-year median is 2.08 vs. the industry median of 2.70, AIA Group 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 an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 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. AIA Group's current ROA % of 2.20% is 18.5% 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 AIA Group and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current ROA % is 2.20%, which is near median its own 10-year median of 2.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAGIY) is currently considered Fairly Valued. The stock's GF Value™ is $37.56, compared to a current price of $36.29 — trading 3.4% below its estimated fair value. The current ROA % is 2.20%, which is near median its 10-year median of 2.08 and 18.5% below the Insurance industry median of 2.70. AIA Group's overall GF Score™ is 61/100 with 2 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 AIA Group (AAGIY), the current ROA % is 2.20% 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 AIA Group (AAGIY) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $36.29 is trading 3.4% below its estimated GF Value™ of $37.56.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAGIY:
ROA %: 2.20% (near median its 10-year median of 2.08)
GF Value™: $37.56 vs. price of $36.29 (3.4% below fair value)
Industry Position: 18.5% below the Insurance median (#305 of 506)
No single metric tells the full story. See the AAGIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score
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