Bahrain Commercial Facilities Co BSC (BAH:BCFC) ROA %: 0.20% (As of Mar. 2026)— 91% Below Median
What is Bahrain Commercial Facilities Co BSC ROA %?
Bahrain Commercial Facilities Co BSCBAH:BCFC ROA % is 0.20% as of Mar. 2026, which is 91% below its 10-year median of 2.30. The stock has 3 warning signs investors should review. Among 546 Credit Services companies, Bahrain Commercial Facilities Co BSC ranks worse than 50.73% on this metric.
BAH:BCFC's ROA % is ranked worse than 50.73% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs BAH:BCFC: 1.85
Bahrain Commercial Facilities Co BSC (BAH:BCFC) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
Bahrain Commercial Facilities Co BSC ROA % Related Terms
Bahrain Commercial Facilities Co BSC ROA % Historical 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.
For the Credit Services subindustry, Bahrain Commercial Facilities Co BSC'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.
Bahrain Commercial Facilities Co BSC ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bahrain Commercial Facilities Co BSC's ROA % distribution charts can be found below:
* The bar in red indicates where Bahrain Commercial Facilities Co BSC'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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Bahrain Commercial Facilities Co BSC (BAH:BCFC) has a ROA % of 0.20% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bahrain Commercial Facilities Co BSC and its competitors. This is 91% below median its historical median of 2.30. According to the industry distribution chart, Bahrain Commercial Facilities Co BSC ranks #277 out of 546 companies in the Credit Services industry, placing it in the top 50.7%.
Is Bahrain Commercial Facilities Co BSC's ROA % too high?
Bahrain Commercial Facilities Co BSC's current ROA % of 0.20% is 91% below median its 10-year median of 2.30. The Credit Services industry median ROA % is 1.92. Bahrain Commercial Facilities Co BSC's value of 0.20% is 89.6% below this industry median. Based on the distribution chart, Bahrain Commercial Facilities Co BSC ranks #277 out of 546 companies in the Credit Services industry, which is below the industry midpoint.
How does Bahrain Commercial Facilities Co BSC's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Bahrain Commercial Facilities Co BSC ranks #277 out of 546 companies for ROA %. This places Bahrain Commercial Facilities Co BSC in the lower half of its industry. The industry median ROA % is 1.92. Bahrain Commercial Facilities Co BSC's value of 0.20% is 89.6% below this benchmark. While the company's 10-year median is 2.30 vs. the industry median of 1.92, Bahrain Commercial Facilities Co BSC 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 Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 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. Bahrain Commercial Facilities Co BSC's current ROA % of 0.20% is 89.6% 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 Bahrain Commercial Facilities Co BSC and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bahrain Commercial Facilities Co BSC's current ROA % is 0.20%, which is 91% below median its own 10-year median of 2.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bahrain Commercial Facilities Co BSC stock overvalued right now?
Based on GuruFocus' analysis, Bahrain Commercial Facilities Co BSC (BAH:BCFC) is currently considered Modestly Undervalued. The stock's GF Value™ is BHD0.26, compared to a current price of BHD0.23 — trading 10.4% below its estimated fair value. The current ROA % is 0.20%, which is 91% below median its 10-year median of 2.30 and 89.6% below the Credit Services industry median of 1.92. 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 Bahrain Commercial Facilities Co BSC (BAH:BCFC), the current ROA % is 0.20% as of Mar. 2026. 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.
Bahrain Commercial Facilities Co BSC Business Description
Bahrain Commercial Facilities Co BSC provides term loans and issues credit cards. It has four operating segments, namely Lending, Automotive, Real Estate, and Insurance. The Lending segment provides consumer, Corporate, and small to medium enterprises (CSME) loans and credit card facilities; The automotive segment includes - trading in motor vehicles, spares and the provision of after-sales services and car leasing services; The real estate segment includes buying, selling and renting of properties and providing property evaluation services; and The insurance segment is involved in the provision of insurance brokerage services. The majority of its revenue is generated from the lending segment.
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