ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. BSP Financial Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$381 Mil.
BSP Financial Group's average Total Assets over the quarter that ended in Dec. 2025 was A$13,019 Mil. Therefore, BSP Financial Group's annualized ROA % for the quarter that ended in Dec. 2025 was 2.93%.
The historical rank and industry rank for BSP Financial Group's ROA % or its related term are showing as below:
ASX:BFL'
s ROA % Range Over the Past 10 Years
Min: 2.51 Med: 2.93 Max: 3.53
Current: 2.95
During the past 5 years, BSP Financial Group's highest ROA % was 3.53%. The lowest was 2.51%. And the median was 2.93%.
ASX:BFL's ROA % is ranked better than 94.64% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs ASX:BFL: 2.95
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group ROA % Related Terms
BSP Financial Group ROA % Historical Data
* Premium members only.
The historical data trend for BSP Financial 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 Banks - Regional subindustry, BSP Financial 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.
BSP Financial Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where BSP Financial 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.
BSP Financial Group (ASX:BFL) has a ROA % of 2.93% 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 BSP Financial Group and its competitors. This is near median its historical median of 2.93. Over the past decade, BSP Financial Group's ROA % has ranged from 2.51 to 3.53. According to the industry distribution chart, BSP Financial Group ranks #82 out of 1529 companies in the Banks industry, placing it in the top 5.4%.
Is BSP Financial Group's ROA % too high?
BSP Financial Group's current ROA % of 2.93% is near median its 10-year median of 2.93. Over the past 10 years, this metric has ranged from a low of 2.51 to a high of 3.53. The Banks industry median ROA % is 0.98. BSP Financial Group's value of 2.93% is 199% above this industry median. Based on the distribution chart, BSP Financial Group ranks #82 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BSP Financial Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #82 out of 1529 companies for ROA %. This places BSP Financial Group in the top 5% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. BSP Financial Group's value of 2.93% is 199% above this benchmark. Historically, BSP Financial Group's own ROA % has ranged from 2.51 to 3.53 over the past decade. While the company's 10-year median is 2.93 vs. the industry median of 0.98, BSP Financial Group 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 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. BSP Financial Group's current ROA % of 2.93% is 199% 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 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 BSP Financial Group 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. BSP Financial Group's current ROA % is 2.93%, which is near median its own 10-year median of 2.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$7.96, compared to a current price of A$8.19 — trading 2.9% above its estimated fair value. The current ROA % is 2.93%, which is near median its 10-year median of 2.93 and 199% above the Banks industry median of 0.98. BSP Financial Group's overall GF Score™ is 58/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current ROA % is 2.93% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.19 is trading 2.9% above its estimated GF Value™ of A$7.96.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
ROA %: 2.93% (near median its 10-year median of 2.93)
GF Value™: A$7.96 vs. price of A$8.19 (2.9% above fair value)
Industry Position: 199% above the Banks median (#82 of 1529)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
58GF Score
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