Banco Nacional de Credito CACAR:BNC 88 ROA % is 20.78% as of Dec. 2025, which is 788% above its 10-year median of 2.34. GuruFocus rates CAR:BNC with a GF Score™ of 88/100 and a GF Value™ of VES229.80 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Banco Nacional de Credito CA ranks better than 99.67% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Banco Nacional de Credito CA's annualizedNet Income for the quarter that ended in Dec. 2025 was VES33,047 Mil.
Banco Nacional de Credito CA's average Total Assets over the quarter that ended in Dec. 2025 was VES159,044 Mil. Therefore, Banco Nacional de Credito CA's annualized ROA % for the quarter that ended in Dec. 2025 was 20.78%.
The historical rank and industry rank for Banco Nacional de Credito CA's ROA % or its related term are showing as below:
CAR:BNC'
s ROA % Range Over the Past 10 Years
Min: 0.06 Med: 2.34 Max: 20.02
Current: 17.3
During the past 13 years, Banco Nacional de Credito CA's highest ROA % was 20.02%. The lowest was 0.06%. And the median was 2.34%.
CAR:BNC's ROA % is ranked better than 99.67% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs CAR:BNC: 17.30
Banco Nacional de Credito CA (CAR:BNC) 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 (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 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.
Banco Nacional de Credito CA ROA % Related Terms
Banco Nacional de Credito CA 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 Banks - Regional subindustry, Banco Nacional de Credito CA'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.
Banco Nacional de Credito CA ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Nacional de Credito CA's ROA % distribution charts can be found below:
* The bar in red indicates where Banco Nacional de Credito CA'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Banco Nacional de Credito CA (CAR:BNC) has a ROA % of 20.78% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Banco Nacional de Credito CA and its competitors. This is 788% above median its historical median of 2.34. Over the past decade, Banco Nacional de Credito CA's ROA % has ranged from 0.06 to 20.02. According to the industry distribution chart, Banco Nacional de Credito CA ranks #5 out of 1530 companies in the Banks industry, placing it in the top 0.3%.
Is Banco Nacional de Credito CA's ROA % too high?
Banco Nacional de Credito CA's current ROA % of 20.78% is 788% above median its 10-year median of 2.34. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 20.02. The Banks industry median ROA % is 0.98. Banco Nacional de Credito CA's value of 20.78% is 2020.4% above this industry median. Based on the distribution chart, Banco Nacional de Credito CA ranks #5 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Nacional de Credito CA has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Nacional de Credito CA ranks #5 out of 1530 companies for ROA %. This places Banco Nacional de Credito CA in the top 0% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Banco Nacional de Credito CA's value of 20.78% is 2020.4% above this benchmark. Historically, Banco Nacional de Credito CA's own ROA % has ranged from 0.06 to 20.02 over the past decade. While the company's 10-year median is 2.34 vs. the industry median of 0.98, Banco Nacional de Credito CA 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 1,530 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. Banco Nacional de Credito CA's current ROA % of 20.78% is 2020.4% 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 Banco Nacional de Credito CA 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. Banco Nacional de Credito CA's current ROA % is 20.78%, which is 788% above median its own 10-year median of 2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES229.80, compared to a current price of VES533.33 — trading 132.1% above its estimated fair value. The current ROA % is 20.78%, which is 788% above median its 10-year median of 2.34 and 2020.4% above the Banks industry median of 0.98. Banco Nacional de Credito CA's overall GF Score™ is 88/100 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 Banco Nacional de Credito CA (CAR:BNC), the current ROA % is 20.78% as of Dec. 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 Banco Nacional de Credito CA (CAR:BNC) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued.
The current stock price of VES533.33 is trading 132.1% above its estimated GF Value™ of VES229.80.
GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.
Key valuation signals for CAR:BNC:
ROA %: 20.78% (788% above median its 10-year median of 2.34)
GF Value™: VES229.80 vs. price of VES533.33 (132.1% above fair value)
Industry Position: 2020.4% above the Banks median (#5 of 1530)
No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFrancisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
88GF Score
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