ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bangkok Life Assurance PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿6,422 Mil.
Bangkok Life Assurance PCL's average Total Assets over the quarter that ended in Mar. 2026 was ฿308,338 Mil. Therefore, Bangkok Life Assurance PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 2.08%.
The historical rank and industry rank for Bangkok Life Assurance PCL's ROA % or its related term are showing as below:
BKK:BLA-R'
s ROA % Range Over the Past 10 Years
Min: 0.48 Med: 1.28 Max: 2.34
Current: 2.34
During the past 13 years, Bangkok Life Assurance PCL's highest ROA % was 2.34%. The lowest was 0.48%. And the median was 1.28%.
BKK:BLA-R's ROA % is ranked worse than 53.36% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs BKK:BLA-R: 2.34
Bangkok Life Assurance PCL (BKK:BLA-R) 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 - Life subindustry, Bangkok Life Assurance PCL'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.
Bangkok Life Assurance PCL ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Bangkok Life Assurance PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Bangkok Life Assurance PCL'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.
Bangkok Life Assurance PCL (BKK:BLA-R) has a ROA % of 2.08% 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 Bangkok Life Assurance PCL and its competitors. This is 63% above median its historical median of 1.28. Over the past decade, Bangkok Life Assurance PCL's ROA % has ranged from 0.48 to 2.34. According to the industry distribution chart, Bangkok Life Assurance PCL ranks #270 out of 506 companies in the Insurance industry, placing it in the top 53.4%.
Is Bangkok Life Assurance PCL's ROA % too high?
Bangkok Life Assurance PCL's current ROA % of 2.08% is 63% above median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 2.34. The Insurance industry median ROA % is 2.70. Bangkok Life Assurance PCL's value of 2.08% is 23% below this industry median. Based on the distribution chart, Bangkok Life Assurance PCL ranks #270 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Bangkok Life Assurance PCL has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Bangkok Life Assurance PCL's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, Bangkok Life Assurance PCL ranks #270 out of 506 companies for ROA %. This places Bangkok Life Assurance PCL in the lower half of its industry. The industry median ROA % is 2.70. Bangkok Life Assurance PCL's value of 2.08% is 23% below this benchmark. Historically, Bangkok Life Assurance PCL's own ROA % has ranged from 0.48 to 2.34 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 2.70, Bangkok Life Assurance PCL 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 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. Bangkok Life Assurance PCL's current ROA % of 2.08% is 23% 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 Bangkok Life Assurance PCL 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. Bangkok Life Assurance PCL's current ROA % is 2.08%, which is 63% above median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bangkok Life Assurance PCL stock overvalued right now?
Bangkok Life Assurance PCL (BKK:BLA-R) has a current ROA % of 2.08%. The stock's GF Value™ is ฿17.87, compared to a current price of ฿19.39 — trading 8.5% above its estimated fair value. The current ROA % is 2.08%, which is 63% above median its 10-year median of 1.28 and 23% below the Insurance industry median of 2.70. Bangkok Life Assurance PCL's overall GF Score™ is 62/100 with 4 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 Bangkok Life Assurance PCL (BKK:BLA-R), the current ROA % is 2.08% 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 Bangkok Life Assurance PCL (BKK:BLA-R) Overvalued in 2026?
Based on GuruFocus' analysis, Bangkok Life Assurance PCL stock appears to be overvalued.
The current stock price of ฿19.39 is trading 8.5% above its estimated GF Value™ of ฿17.87.
Key valuation signals for BKK:BLA-R:
ROA %: 2.08% (63% above median its 10-year median of 1.28)
GF Value™: ฿17.87 vs. price of ฿19.39 (8.5% above fair value)
Industry Position: 23% below the Insurance median (#270 of 506)
No single metric tells the full story. See the BKK:BLA-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bangkok Life Assurance PCL is a Thai financial services group engaged in life insurance services. Its product portfolio contains life insurance, general insurance, mutual funds, credit protection plans, home loans, and bancassurance products, serving both individuals and corporations. The company, along with its subsidiaries, operates its core business in a single segment, which is the life insurance business, and in a single geographic area, which is Thailand.
62GF Score
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