ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. ICICI Prudential Life Insurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹24,956 Mil.
ICICI Prudential Life Insurance Co's average Total Assets over the quarter that ended in Mar. 2026 was ₹3,266,234 Mil. Therefore, ICICI Prudential Life Insurance Co's annualized ROA % for the quarter that ended in Mar. 2026 was 0.76%.
BOM:540133's ROA % is ranked worse than 82.51% of 509
companies
in the Insurance industry
Industry Median: 2.69
vs BOM:540133: 0.50
ICICI Prudential Life Insurance Co (BOM:540133) 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.
ICICI Prudential Life Insurance Co ROA % Related Terms
ICICI Prudential Life Insurance Co 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 Insurance - Life subindustry, ICICI Prudential Life Insurance Co'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.
ICICI Prudential Life Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, ICICI Prudential Life Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where ICICI Prudential Life Insurance Co'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.
ICICI Prudential Life Insurance Co (BOM:540133) has a ROA % of 0.76% 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 ICICI Prudential Life Insurance Co and its competitors. This is 49% above median its historical median of 0.51. Over the past decade, ICICI Prudential Life Insurance Co's ROA % has ranged from 0.31 to 1.47. According to the industry distribution chart, ICICI Prudential Life Insurance Co ranks #420 out of 509 companies in the Insurance industry, placing it in the top 82.5%.
Is ICICI Prudential Life Insurance Co's ROA % too high?
ICICI Prudential Life Insurance Co's current ROA % of 0.76% is 49% above median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 1.47. The Insurance industry median ROA % is 2.69. ICICI Prudential Life Insurance Co's value of 0.76% is 71.7% below this industry median. Based on the distribution chart, ICICI Prudential Life Insurance Co ranks #420 out of 509 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ICICI Prudential Life Insurance Co has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ICICI Prudential Life Insurance Co's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, ICICI Prudential Life Insurance Co ranks #420 out of 509 companies for ROA %. This places ICICI Prudential Life Insurance Co in the lower half of its industry. The industry median ROA % is 2.69. ICICI Prudential Life Insurance Co's value of 0.76% is 71.7% below this benchmark. Historically, ICICI Prudential Life Insurance Co's own ROA % has ranged from 0.31 to 1.47 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 2.69, ICICI Prudential Life Insurance Co 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 2.69, based on 509 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. ICICI Prudential Life Insurance Co's current ROA % of 0.76% is 71.7% 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 ICICI Prudential Life Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ICICI Prudential Life Insurance Co's current ROA % is 0.76%, which is 49% above median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ICICI Prudential Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, ICICI Prudential Life Insurance Co (BOM:540133) is currently considered Fairly Valued. The stock's GF Value™ is ₹476.19, compared to a current price of ₹485.20 — trading 1.9% above its estimated fair value. The current ROA % is 0.76%, which is 49% above median its 10-year median of 0.51 and 71.7% below the Insurance industry median of 2.69. ICICI Prudential Life Insurance Co's overall GF Score™ is 77/100 with 1 warning sign 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 ICICI Prudential Life Insurance Co (BOM:540133), the current ROA % is 0.76% 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 ICICI Prudential Life Insurance Co (BOM:540133) Overvalued in 2026?
Based on GuruFocus' analysis, ICICI Prudential Life Insurance Co stock appears to be overvalued.
The current stock price of ₹485.20 is trading 1.9% above its estimated GF Value™ of ₹476.19.
GuruFocus considers ICICI Prudential Life Insurance Co to be Fairly Valued.
Key valuation signals for BOM:540133:
ROA %: 0.76% (49% above median its 10-year median of 0.51)
GF Value™: ₹476.19 vs. price of ₹485.20 (1.9% above fair value)
Industry Position: 71.7% below the Insurance median (#420 of 509)
No single metric tells the full story. See the BOM:540133 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ICICI Prudential Life Insurance Co Business Description
ICICI Prudential Life Insurance Co Ltd carries on business of providing life insurance, annuity, pensions and health insurance products to individuals and groups. Riders providing additional benefits are offered under some of these products. The business is conducted in participating, non-participating and unit linked lines of business. The company's segments are Participating (Life and Pension), Non-Participating (Life, Pension, Annuity and Health), Non-Participating variable (Life and Pension) and Linked (Life, Pension, Health and Group). The company generates majority of revenue from Non-Participating segment.
77GF Score
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