BRB Banco de BrasiliaBSP:BSLI4 -4.00%46 ROA % is 1.49% as of Jun. 2025, which is 6% below its 10-year median of 1.58. GuruFocus rates BSP:BSLI4 with a GF Score™ of 46/100 and a GF Value™ of R$16.37 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,532 Banks companies, BRB Banco de Brasilia ranks better than 68.99% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. BRB Banco de Brasilia's annualizedNet Income for the quarter that ended in Jun. 2025 was R$1,021 Mil.
BRB Banco de Brasilia's average Total Assets over the quarter that ended in Jun. 2025 was R$68,507 Mil. Therefore, BRB Banco de Brasilia's annualized ROA % for the quarter that ended in Jun. 2025 was 1.49%.
The historical rank and industry rank for BRB Banco de Brasilia's ROA % or its related term are showing as below:
BSP:BSLI4'
s ROA % Range Over the Past 10 Years
Min: 0.1 Med: 1.58 Max: 2.6
Current: 1.28
During the past 13 years, BRB Banco de Brasilia's highest ROA % was 2.60%. The lowest was 0.10%. And the median was 1.58%.
BSP:BSLI4's ROA % is ranked better than 68.99% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs BSP:BSLI4: 1.28
BRB Banco de Brasilia (BSP:BSLI4) 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 two times the semi-annual (Jun. 2025) net income data. The Revenue data used here is two times the semi-annual (Jun. 2025) 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 Banks - Regional subindustry, BRB Banco de Brasilia'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.
BRB Banco de Brasilia ROA % vs Banks Industry
For the Banks industry and Financial Services sector, BRB Banco de Brasilia's ROA % distribution charts can be found below:
* The bar in red indicates where BRB Banco de Brasilia'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 two times the semi-annual (Jun. 2025) net income data.
ROA % is displayed in the 30-year financial page.
BRB Banco de Brasilia (BSP:BSLI4) has a ROA % of 1.49% as of Jun. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on BRB Banco de Brasilia and its competitors. This is near median its historical median of 1.58. Over the past decade, BRB Banco de Brasilia's ROA % has ranged from 0.10 to 2.60. According to the industry distribution chart, BRB Banco de Brasilia ranks #475 out of 1532 companies in the Banks industry, placing it in the top 31%.
Is BRB Banco de Brasilia's ROA % too high?
BRB Banco de Brasilia's current ROA % of 1.49% is near median its 10-year median of 1.58. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 2.60. The Banks industry median ROA % is 0.98. BRB Banco de Brasilia's value of 1.49% is 52% above this industry median. Based on the distribution chart, BRB Banco de Brasilia ranks #475 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, BRB Banco de Brasilia has a GF Score™ of 46/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BRB Banco de Brasilia's ROA % compare to competitors?
According to the Banks industry distribution chart, BRB Banco de Brasilia ranks #475 out of 1532 companies for ROA %. This puts BRB Banco de Brasilia in the upper half of its industry. The industry median ROA % is 0.98. BRB Banco de Brasilia's value of 1.49% is 52% above this benchmark. Historically, BRB Banco de Brasilia's own ROA % has ranged from 0.10 to 2.60 over the past decade. While the company's 10-year median is 1.58 vs. the industry median of 0.98, BRB Banco de Brasilia 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 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. BRB Banco de Brasilia's current ROA % of 1.49% is 52% 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 BRB Banco de Brasilia and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BRB Banco de Brasilia's current ROA % is 1.49%, which is near median its own 10-year median of 1.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BRB Banco de Brasilia stock overvalued right now?
Based on GuruFocus' analysis, BRB Banco de Brasilia (BSP:BSLI4) is currently considered Significantly Undervalued. The stock's GF Value™ is R$16.37, compared to a current price of R$3.12 — trading 80.9% below its estimated fair value. The current ROA % is 1.49%, which is near median its 10-year median of 1.58 and 52% above the Banks industry median of 0.98. BRB Banco de Brasilia's overall GF Score™ is 46/100 with 3 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 BRB Banco de Brasilia (BSP:BSLI4), the current ROA % is 1.49% as of Jun. 2025. 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 BRB Banco de Brasilia (BSP:BSLI4) Overvalued in 2026?
Based on GuruFocus' analysis, BRB Banco de Brasilia stock appears to be undervalued.
The current stock price of R$3.12 is trading 80.9% below its estimated GF Value™ of R$16.37.
GuruFocus considers BRB Banco de Brasilia to be Significantly Undervalued.
Key valuation signals for BSP:BSLI4:
ROA %: 1.49% (near median its 10-year median of 1.58)
GF Value™: R$16.37 vs. price of R$3.12 (80.9% below fair value)
Industry Position: 52% above the Banks median (#475 of 1532)
No single metric tells the full story. See the BSP:BSLI4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BRB Banco de Brasilia SA provides commercial banking products and solutions to individuals and corporates. The company offers current accounts, loans and financing facilities, investment products, and debit and prepaid cards. It also offers insurance products, such as company, car, residence, life, and condominium insurance.
46GF Score
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