ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Allianz Ayudhya Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿3,540 Mil.
Allianz Ayudhya Capital's average Total Assets over the quarter that ended in Mar. 2026 was ฿23,522 Mil. Therefore, Allianz Ayudhya Capital's annualized ROA % for the quarter that ended in Mar. 2026 was 15.05%.
The historical rank and industry rank for Allianz Ayudhya Capital's ROA % or its related term are showing as below:
BKK:AYUD-F'
s ROA % Range Over the Past 10 Years
Min: 0.93 Med: 4.84 Max: 13.61
Current: 12.13
During the past 13 years, Allianz Ayudhya Capital's highest ROA % was 13.61%. The lowest was 0.93%. And the median was 4.84%.
BKK:AYUD-F's ROA % is ranked better than 95.08% of 508
companies
in the Insurance industry
Industry Median: 2.68
vs BKK:AYUD-F: 12.13
Allianz Ayudhya Capital (BKK:AYUD-F) 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.
* 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 - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's ROA % distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital (BKK:AYUD-F) has a ROA % of 15.05% 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 Allianz Ayudhya Capital and its competitors. This is 211% above median its historical median of 4.84. Over the past decade, Allianz Ayudhya Capital's ROA % has ranged from 0.93 to 13.61. According to the industry distribution chart, Allianz Ayudhya Capital ranks #25 out of 508 companies in the Insurance industry, placing it in the top 4.9%.
Is Allianz Ayudhya Capital's ROA % too high?
Allianz Ayudhya Capital's current ROA % of 15.05% is 211% above median its 10-year median of 4.84. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 13.61. The Insurance industry median ROA % is 2.68. Allianz Ayudhya Capital's value of 15.05% is 461.6% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #25 out of 508 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #25 out of 508 companies for ROA %. This places Allianz Ayudhya Capital in the top 5% of its industry — outperforming the majority of peers. The industry median ROA % is 2.68. Allianz Ayudhya Capital's value of 15.05% is 461.6% above this benchmark. Historically, Allianz Ayudhya Capital's own ROA % has ranged from 0.93 to 13.61 over the past decade. While the company's 10-year median is 4.84 vs. the industry median of 2.68, Allianz Ayudhya Capital 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 an Insurance company?
The median ROA % among Insurance companies is 2.68, 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. Allianz Ayudhya Capital's current ROA % of 15.05% is 461.6% 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 Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median ROA % is 2.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current ROA % is 15.05%, which is 211% above median its own 10-year median of 4.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Allianz Ayudhya Capital (BKK:AYUD-F) has a current ROA % of 15.05%. The stock's GF Value™ is ฿18.68, compared to a current price of ฿14.60 — trading 21.8% below its estimated fair value. The current ROA % is 15.05%, which is 211% above median its 10-year median of 4.84 and 461.6% above the Insurance industry median of 2.68. Allianz Ayudhya Capital's overall GF Score™ is 82/100 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 Allianz Ayudhya Capital (BKK:AYUD-F), the current ROA % is 15.05% 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.
Is Allianz Ayudhya Capital (BKK:AYUD-F) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿14.60 is trading 21.8% below its estimated GF Value™ of ฿18.68.
Key valuation signals for BKK:AYUD-F:
ROA %: 15.05% (211% above median its 10-year median of 4.84)
GF Value™: ฿18.68 vs. price of ฿14.60 (21.8% below fair value)
Industry Position: 461.6% above the Insurance median (#25 of 508)
No single metric tells the full story. See the BKK:AYUD-F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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