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Canara HSBC Life Insurance CoBOM:544583 +3.92%11 ROA % is 0.23% as of Jun. 2026, which is 21% below its 10-year median of 0.29. GuruFocus rates BOM:544583 with a GF Score™ of 11/100. The stock has 2 warning signs investors should review. Among 506 Insurance companies, Canara HSBC Life Insurance Co ranks worse than 88.14% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Canara HSBC Life Insurance Co's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹1,126 Mil.
Canara HSBC Life Insurance Co's average Total Assets over the quarter that ended in Jun. 2026 was ₹495,748 Mil. Therefore, Canara HSBC Life Insurance Co's annualized ROA % for the quarter that ended in Jun. 2026 was 0.23%.
The historical rank and industry rank for Canara HSBC Life Insurance Co's ROA % or its related term are showing as below:
BOM:544583'
s ROA % Range Over the Past 10 Years
Min: 0.19 Med: 0.29 Max: 0.32
Current: 0.19
During the past 4 years, Canara HSBC Life Insurance Co's highest ROA % was 0.32%. The lowest was 0.19%. And the median was 0.29%.
BOM:544583's ROA % is ranked worse than 88.14% of 506
companies
in the Insurance industry
Industry Median: 2.62
vs BOM:544583: 0.19
Canara HSBC Life Insurance Co (BOM:544583) 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 (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 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.
Canara HSBC Life Insurance Co ROA % Related Terms
Canara HSBC 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, Canara HSBC 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.
Canara HSBC Life Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Canara HSBC Life Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Canara HSBC 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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Canara HSBC Life Insurance Co (BOM:544583) has a ROA % of 0.23% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Canara HSBC Life Insurance Co and its competitors. This is 21% below median its historical median of 0.29. Over the past decade, Canara HSBC Life Insurance Co's ROA % has ranged from 0.19 to 0.32. According to the industry distribution chart, Canara HSBC Life Insurance Co ranks #446 out of 506 companies in the Insurance industry, placing it in the top 88.1%.
Is Canara HSBC Life Insurance Co's ROA % too high?
Canara HSBC Life Insurance Co's current ROA % of 0.23% is 21% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.32. The Insurance industry median ROA % is 2.62. Canara HSBC Life Insurance Co's value of 0.23% is 91.2% below this industry median. Based on the distribution chart, Canara HSBC Life Insurance Co ranks #446 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Canara HSBC Life Insurance Co has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does Canara HSBC Life Insurance Co's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, Canara HSBC Life Insurance Co ranks #446 out of 506 companies for ROA %. This places Canara HSBC Life Insurance Co in the lower half of its industry. The industry median ROA % is 2.62. Canara HSBC Life Insurance Co's value of 0.23% is 91.2% below this benchmark. Historically, Canara HSBC Life Insurance Co's own ROA % has ranged from 0.19 to 0.32 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 2.62, Canara HSBC 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 2.62, 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. Canara HSBC Life Insurance Co's current ROA % of 0.23% is 91.2% 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 Canara HSBC Life Insurance Co 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. Canara HSBC Life Insurance Co's current ROA % is 0.23%, which is 21% below median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Canara HSBC Life Insurance Co stock overvalued right now?
Canara HSBC Life Insurance Co (BOM:544583) has a current ROA % of 0.23%. The current ROA % is 0.23%, which is 21% below median its 10-year median of 0.29 and 91.2% below the Insurance industry median of 2.62. Canara HSBC Life Insurance Co's overall GF Score™ is 11/100 with 2 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 Canara HSBC Life Insurance Co (BOM:544583), the current ROA % is 0.23% as of Jun. 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.
Canara HSBC Life Insurance Co Business Description
Canara HSBC Life Insurance Co Ltd is a life insurance provider in India. The company offers a wide range of life insurance products, including term plans, health plans, credit life, and employee benefits. It focuses on customizable coverage with options for affordable premiums, flexible payment terms, and multiple benefit payment modes. Canara HSBC Life Insurance operates through a wide network of branches and aims to provide financial security and tax benefits to its customers. The company maintains a robust claim settlement track record, emphasizing reliability and customer service.
11GF Score
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