ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. General Insurance of India's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹101,304 Mil.
General Insurance of India's average Total Assets over the quarter that ended in Mar. 2026 was ₹2,081,640 Mil. Therefore, General Insurance of India's annualized ROA % for the quarter that ended in Mar. 2026 was 4.87%.
The historical rank and industry rank for General Insurance of India's ROA % or its related term are showing as below:
BOM:540755'
s ROA % Range Over the Past 10 Years
Min: -0.15 Med: 3.43 Max: 4.83
Current: 4.74
During the past 13 years, General Insurance of India's highest ROA % was 4.83%. The lowest was -0.15%. And the median was 3.43%.
BOM:540755's ROA % is ranked better than 73.08% of 509
companies
in the Insurance industry
Industry Median: 2.67
vs BOM:540755: 4.74
General Insurance of India (BOM:540755) 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 - Reinsurance subindustry, General Insurance of India'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.
General Insurance of India ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, General Insurance of India's ROA % distribution charts can be found below:
* The bar in red indicates where General Insurance of India'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.
General Insurance of India (BOM:540755) has a ROA % of 4.87% 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 General Insurance of India and its competitors. This is 42% above median its historical median of 3.43. According to the industry distribution chart, General Insurance of India ranks #137 out of 509 companies in the Insurance industry, placing it in the top 26.9%.
Is General Insurance of India's ROA % too high?
General Insurance of India's current ROA % of 4.87% is 42% above median its 10-year median of 3.43. The Insurance industry median ROA % is 2.67. General Insurance of India's value of 4.87% is 82.4% above this industry median. Based on the distribution chart, General Insurance of India ranks #137 out of 509 companies in the Insurance industry, which is above the industry midpoint. Overall, General Insurance of India has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does General Insurance of India's ROA % compare to RGA and EG?
According to the Insurance industry distribution chart, General Insurance of India ranks #137 out of 509 companies for ROA %. This puts General Insurance of India in the upper half of its industry. The industry median ROA % is 2.67. General Insurance of India's value of 4.87% is 82.4% above this benchmark. While the company's 10-year median is 3.43 vs. the industry median of 2.67, General Insurance of India 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 2.67, 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. General Insurance of India's current ROA % of 4.87% is 82.4% 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 General Insurance of India and its competitors. For the Insurance industry, the median ROA % is 2.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Insurance of India's current ROA % is 4.87%, which is 42% above median its own 10-year median of 3.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Insurance of India stock overvalued right now?
Based on GuruFocus' analysis, General Insurance of India (BOM:540755) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹432.47, compared to a current price of ₹360.85 — trading 16.6% below its estimated fair value. The current ROA % is 4.87%, which is 42% above median its 10-year median of 3.43 and 82.4% above the Insurance industry median of 2.67. General Insurance of India's overall GF Score™ is 72/100. 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 General Insurance of India (BOM:540755), the current ROA % is 4.87% 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 General Insurance of India (BOM:540755) Overvalued in 2026?
Based on GuruFocus' analysis, General Insurance of India stock appears to be undervalued.
The current stock price of ₹360.85 is trading 16.6% below its estimated GF Value™ of ₹432.47.
GuruFocus considers General Insurance of India to be Modestly Undervalued.
Key valuation signals for BOM:540755:
ROA %: 4.87% (42% above median its 10-year median of 3.43)
GF Value™: ₹432.47 vs. price of ₹360.85 (16.6% below fair value)
Industry Position: 82.4% above the Insurance median (#137 of 509)
No single metric tells the full story. See the BOM:540755 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Insurance Corp of India is a reinsurance company. It provides reinsurance for business lines, including fire (property), marine, motor, Personal Accident, engineering, agriculture, aviation/space, health, liability, credit, financial, and life insurance. The group provides services in Domestic and International market.
72GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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