AUB GroupASX:AUB +0.07%85 ROA % is 1.51% as of Dec. 2025, which is 70% below its 10-year median of 5.00. GuruFocus rates ASX:AUB with a GF Score™ of 85/100 and a GF Value™ of A$49.04 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 508 Insurance companies, AUB Group ranks better than 68.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. AUB Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$71 Mil.
AUB Group's average Total Assets over the quarter that ended in Dec. 2025 was A$4,666 Mil. Therefore, AUB Group's annualized ROA % for the quarter that ended in Dec. 2025 was 1.51%.
The historical rank and industry rank for AUB Group's ROA % or its related term are showing as below:
ASX:AUB'
s ROA % Range Over the Past 10 Years
Min: 2.36 Med: 5 Max: 6.52
Current: 4.12
During the past 13 years, AUB Group's highest ROA % was 6.52%. The lowest was 2.36%. And the median was 5.00%.
ASX:AUB's ROA % is ranked better than 68.31% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs ASX:AUB: 4.12
AUB Group (ASX:AUB) 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.
AUB Group ROA % Related Terms
AUB Group ROA % Historical Data
* Premium members only.
The historical data trend for AUB 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 Brokers subindustry, AUB 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.
AUB Group ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, AUB Group's ROA % distribution charts can be found below:
* The bar in red indicates where AUB 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.
AUB Group (ASX:AUB) has a ROA % of 1.51% 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 AUB Group and its competitors. This is 70% below median its historical median of 5.00. Over the past decade, AUB Group's ROA % has ranged from 2.36 to 6.52. According to the industry distribution chart, AUB Group ranks #161 out of 508 companies in the Insurance industry, placing it in the top 31.7%.
Is AUB Group's ROA % too high?
AUB Group's current ROA % of 1.51% is 70% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.36 to a high of 6.52. The Insurance industry median ROA % is 2.70. AUB Group's value of 1.51% is 44.1% below this industry median. Based on the distribution chart, AUB Group ranks #161 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, AUB Group has a GF Score™ of 85/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AUB Group's ROA % compare to MRSH and AON?
According to the Insurance industry distribution chart, AUB Group ranks #161 out of 508 companies for ROA %. This puts AUB Group in the upper half of its industry. The industry median ROA % is 2.70. AUB Group's value of 1.51% is 44.1% below this benchmark. Historically, AUB Group's own ROA % has ranged from 2.36 to 6.52 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 2.70, AUB 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 508 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. AUB Group's current ROA % of 1.51% is 44.1% 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 AUB 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. AUB Group's current ROA % is 1.51%, which is 70% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AUB Group stock overvalued right now?
Based on GuruFocus' analysis, AUB Group (ASX:AUB) is currently considered Possible Value Trap. The stock's GF Value™ is A$49.04, compared to a current price of A$28.06 — trading 42.8% below its estimated fair value. The current ROA % is 1.51%, which is 70% below median its 10-year median of 5.00 and 44.1% below the Insurance industry median of 2.70. AUB Group's overall GF Score™ is 85/100 with 5 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 AUB Group (ASX:AUB), the current ROA % is 1.51% 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 AUB Group (ASX:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, AUB Group stock appears to be undervalued.
The current stock price of A$28.06 is trading 42.8% below its estimated GF Value™ of A$49.04.
GuruFocus considers AUB Group to be Possible Value Trap.
Key valuation signals for ASX:AUB:
ROA %: 1.51% (70% below median its 10-year median of 5.00)
GF Value™: A$49.04 vs. price of A$28.06 (42.8% below fair value)
Industry Position: 44.1% below the Insurance median (#161 of 508)
No single metric tells the full story. See the ASX:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AUB Group is the second-largest general insurance broker network in Australia and New Zealand. It has an ownership in brokerage businesses that collectively write over AUD 5 billion in premiums. It also owns equity stakes in 35 underwriting agencies. AUB derives revenue from commissions (from insurers, ultimately paid for by AUB's customers), based on gross written premium from agencies it owns, and a share of profits from associates and joint ventures. GWP is split among personal (3%), small to medium enterprises (70%), and corporates (27%).
85GF Score
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