ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Interlife General Insurance's annualizedNet Income for the quarter that ended in Jun. 2024 was €3.5 Mil.
Interlife General Insurance's average Total Assets over the quarter that ended in Jun. 2024 was €313.7 Mil. Therefore, Interlife General Insurance's annualized ROA % for the quarter that ended in Jun. 2024 was 1.10%.
The historical rank and industry rank for Interlife General Insurance's ROA % or its related term are showing as below:
ATH:INLIF's ROA % is not ranked *
in the Insurance industry.
Industry Median: 2.7 * Ranked among companies with meaningful ROA % only.
Interlife General Insurance (ATH:INLIF) 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 (Jun. 2024) net income data. The Revenue data used here is two times the semi-annual (Jun. 2024) 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.
* 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 - Diversified subindustry, Interlife General Insurance'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.
Interlife General Insurance ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Interlife General Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where Interlife General Insurance'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 (Jun. 2024) net income data.
ROA % is displayed in the 30-year financial page.
Interlife General Insurance (ATH:INLIF) has a ROA % of 1.10% as of Jun. 2024. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Interlife General Insurance and its competitors.
Is Interlife General Insurance's ROA % too high?
Interlife General Insurance's current ROA % is 1.10%. The Insurance industry median ROA % is 2.70. Interlife General Insurance's value of 1.10% is 59.3% below this industry median. Overall, Interlife General Insurance has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Interlife General Insurance's ROA % compare to BRK.A and AIG?
Interlife General Insurance's ROA % of 1.10% can be compared against companies in the Insurance industry. The industry median ROA % is 2.70. Interlife General Insurance's value of 1.10% is 59.3% below this benchmark. 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. Interlife General Insurance's current ROA % of 1.10% is 59.3% 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 Interlife General Insurance 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. Interlife General Insurance's current ROA % is 1.10%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Interlife General Insurance stock overvalued right now?
Interlife General Insurance (ATH:INLIF) has a current ROA % of 1.10%. The current ROA % is 1.10% and 59.3% below the Insurance industry median of 2.70. Interlife General Insurance's overall GF Score™ is 4/100. 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 Interlife General Insurance (ATH:INLIF), the current ROA % is 1.10% as of Jun. 2024. 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.
Interlife General Insurance SA is a company operating in the insurance sector. It offers a complete range of insurance products and services including car insurance, ship insurance, property insurance, group insurance of persons, legal protection insurance, technical insurance, liability insurance, and transport insurance. The company also offers services for insurance companies including losses from green cards, reimbursement of damages, vehicle damage, transportation, boat, and damage management and settlement.
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