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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Caixa Seguridade Participacoes's annualizedNet Income for the quarter that ended in Mar. 2026 was R$4,601 Mil.
Caixa Seguridade Participacoes's average Total Assets over the quarter that ended in Mar. 2026 was R$14,845 Mil. Therefore, Caixa Seguridade Participacoes's annualized ROA % for the quarter that ended in Mar. 2026 was 30.99%.
The historical rank and industry rank for Caixa Seguridade Participacoes's ROA % or its related term are showing as below:
BSP:CXSE3'
s ROA % Range Over the Past 10 Years
Min: 18.86 Med: 26.87 Max: 32.25
Current: 30.08
During the past 9 years, Caixa Seguridade Participacoes's highest ROA % was 32.25%. The lowest was 18.86%. And the median was 26.87%.
BSP:CXSE3's ROA % is ranked better than 98.82% of 509
companies
in the Insurance industry
Industry Median: 2.62
vs BSP:CXSE3: 30.08
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.
Caixa Seguridade Participacoes ROA % Related Terms
Caixa Seguridade Participacoes 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 - Diversified subindustry, Caixa Seguridade Participacoes'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.
Caixa Seguridade Participacoes ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Caixa Seguridade Participacoes's ROA % distribution charts can be found below:
* The bar in red indicates where Caixa Seguridade Participacoes'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.
Caixa Seguridade Participacoes (BSP:CXSE3) has a ROA % of 30.99% 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 Caixa Seguridade Participacoes and its competitors. This is 15% above median its historical median of 26.87. Over the past decade, Caixa Seguridade Participacoes' ROA % has ranged from 18.86 to 32.25. According to the industry distribution chart, Caixa Seguridade Participacoes ranks #6 out of 509 companies in the Insurance industry, placing it in the top 1.2%.
Is Caixa Seguridade Participacoes' ROA % too high?
Caixa Seguridade Participacoes' current ROA % of 30.99% is 15% above median its 10-year median of 26.87. Over the past 10 years, this metric has ranged from a low of 18.86 to a high of 32.25. The Insurance industry median ROA % is 2.62. Caixa Seguridade Participacoes' value of 30.99% is 1082.8% above this industry median. Based on the distribution chart, Caixa Seguridade Participacoes ranks #6 out of 509 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Caixa Seguridade Participacoes has a GF Score™ of 87/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Caixa Seguridade Participacoes' ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Caixa Seguridade Participacoes ranks #6 out of 509 companies for ROA %. This places Caixa Seguridade Participacoes in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 2.62. Caixa Seguridade Participacoes' value of 30.99% is 1082.8% above this benchmark. Historically, Caixa Seguridade Participacoes' own ROA % has ranged from 18.86 to 32.25 over the past decade. While the company's 10-year median is 26.87 vs. the industry median of 2.62, Caixa Seguridade Participacoes 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 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. Caixa Seguridade Participacoes's current ROA % of 30.99% is 1082.8% 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 Caixa Seguridade Participacoes 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. Caixa Seguridade Participacoes's current ROA % is 30.99%, which is 15% above median its own 10-year median of 26.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Caixa Seguridade Participacoes stock overvalued right now?
Based on GuruFocus' analysis, Caixa Seguridade Participacoes (BSP:CXSE3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$16.93, compared to a current price of R$21.77 — trading 28.6% above its estimated fair value. The current ROA % is 30.99%, which is 15% above median its 10-year median of 26.87 and 1082.8% above the Insurance industry median of 2.62. Caixa Seguridade Participacoes' overall GF Score™ is 87/100 with 7 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 Caixa Seguridade Participacoes (BSP:CXSE3), the current ROA % is 30.99% 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 Caixa Seguridade Participacoes (BSP:CXSE3) Overvalued in 2026?
Based on GuruFocus' analysis, Caixa Seguridade Participacoes stock appears to be overvalued.
The current stock price of R$21.77 is trading 28.6% above its estimated GF Value™ of R$16.93.
GuruFocus considers Caixa Seguridade Participacoes to be Modestly Overvalued.
Key valuation signals for BSP:CXSE3:
ROA %: 30.99% (15% above median its 10-year median of 26.87)
GF Value™: R$16.93 vs. price of R$21.77 (28.6% above fair value)
Industry Position: 1082.8% above the Insurance median (#6 of 509)
No single metric tells the full story. See the BSP:CXSE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Caixa Seguridade Participacoes Business Description
Caixa Seguridade Participacoes SA is engaged in the structuring and marketing of a broad range of insurance products, private pension plans, and premium bonds, management, marketing, and offering of private medical and dental care plans, and rendering of brokerage services for these products. It has three operating segments; Run-off / Open sea (insurance businesses), Security (investment in security businesses established as a result of the competitive process of choosing strategic partners to operate the CAIXA distribution network) and Distribution (businesses related to the management of access to the distribution network and use of the CAIXA brand and the brokerage and intermediation of security products). Maximum revenue is generated from the Security segment.
87GF Score
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