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Charan Insurance PCLBKK:CHARAN +1.18%64 ROA % is 12.01% as of Mar. 2026, which is 409% above its 10-year median of 2.36. GuruFocus rates BKK:CHARAN with a GF Score™ of 64/100 and a GF Value™ of ฿22.70 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 506 Insurance companies, Charan Insurance PCL ranks better than 75.3% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Charan Insurance PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was ฿108.5 Mil.
Charan Insurance PCL's average Total Assets over the quarter that ended in Mar. 2026 was ฿903.2 Mil. Therefore, Charan Insurance PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 12.01%.
The historical rank and industry rank for Charan Insurance PCL's ROA % or its related term are showing as below:
BKK:CHARAN'
s ROA % Range Over the Past 10 Years
Min: -3.65 Med: 2.36 Max: 7.48
Current: 5.04
During the past 13 years, Charan Insurance PCL's highest ROA % was 7.48%. The lowest was -3.65%. And the median was 2.36%.
BKK:CHARAN's ROA % is ranked better than 75.3% of 506
companies
in the Insurance industry
Industry Median: 2.62
vs BKK:CHARAN: 5.04
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, Charan Insurance 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.
Charan Insurance PCL ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Charan Insurance PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Charan Insurance 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.
Charan Insurance PCL (BKK:CHARAN) has a ROA % of 12.01% 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 Charan Insurance PCL and its competitors. This is 409% above median its historical median of 2.36. According to the industry distribution chart, Charan Insurance PCL ranks #125 out of 506 companies in the Insurance industry, placing it in the top 24.7%.
Is Charan Insurance PCL's ROA % too high?
Charan Insurance PCL's current ROA % of 12.01% is 409% above median its 10-year median of 2.36. The Insurance industry median ROA % is 2.62. Charan Insurance PCL's value of 12.01% is 358.4% above this industry median. Based on the distribution chart, Charan Insurance PCL ranks #125 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Charan Insurance PCL has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Charan Insurance PCL's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Charan Insurance PCL ranks #125 out of 506 companies for ROA %. This places Charan Insurance PCL in the top 25% of its industry — outperforming the majority of peers. The industry median ROA % is 2.62. Charan Insurance PCL's value of 12.01% is 358.4% above this benchmark. While the company's 10-year median is 2.36 vs. the industry median of 2.62, Charan Insurance PCL 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 2.62, 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. Charan Insurance PCL's current ROA % of 12.01% is 358.4% 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 Charan Insurance PCL and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charan Insurance PCL's current ROA % is 12.01%, which is 409% above median its own 10-year median of 2.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charan Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Charan Insurance PCL (BKK:CHARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿22.70, compared to a current price of ฿17.20 — trading 24.2% below its estimated fair value. The current ROA % is 12.01%, which is 409% above median its 10-year median of 2.36 and 358.4% above the Insurance industry median of 2.62. Charan Insurance PCL's overall GF Score™ is 64/100 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 Charan Insurance PCL (BKK:CHARAN), the current ROA % is 12.01% 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 Charan Insurance PCL (BKK:CHARAN) Overvalued in 2026?
Based on GuruFocus' analysis, Charan Insurance PCL stock appears to be undervalued.
The current stock price of ฿17.20 is trading 24.2% below its estimated GF Value™ of ฿22.70.
GuruFocus considers Charan Insurance PCL to be Modestly Undervalued.
Key valuation signals for BKK:CHARAN:
ROA %: 12.01% (409% above median its 10-year median of 2.36)
GF Value™: ฿22.70 vs. price of ฿17.20 (24.2% below fair value)
Industry Position: 358.4% above the Insurance median (#125 of 506)
No single metric tells the full story. See the BKK:CHARAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Charan Insurance PCL is a Thailand-based company in the insurance sector. Its primary activity is providing non-life insurance services. Its non-life insurance products include Fire insurance, Motor insurance, Personal accident insurance, Marine and transportation insurance, and Miscellaneous insurance. The company operates principally in Thailand and generates the majority of its revenue from Motor insurance services.
64GF Score
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