ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Credit Immobilier et Hotelier's annualizedNet Income for the quarter that ended in Mar. 2026 was MAD984 Mil.
Credit Immobilier et Hotelier's average Total Assets over the quarter that ended in Mar. 2026 was MAD167,443 Mil. Therefore, Credit Immobilier et Hotelier's annualized ROA % for the quarter that ended in Mar. 2026 was 0.59%.
The historical rank and industry rank for Credit Immobilier et Hotelier's ROA % or its related term are showing as below:
CAS:CIH'
s ROA % Range Over the Past 10 Years
Min: 0.1 Med: 0.64 Max: 0.94
Current: 0.65
During the past 13 years, Credit Immobilier et Hotelier's highest ROA % was 0.94%. The lowest was 0.10%. And the median was 0.64%.
CAS:CIH's ROA % is ranked worse than 69.72% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs CAS:CIH: 0.65
Credit Immobilier et Hotelier (CAS:CIH) 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.
Credit Immobilier et Hotelier ROA % Related Terms
Credit Immobilier et Hotelier 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, Credit Immobilier et Hotelier'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.
Credit Immobilier et Hotelier ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's ROA % distribution charts can be found below:
* The bar in red indicates where Credit Immobilier et Hotelier'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.
Credit Immobilier et Hotelier (CAS:CIH) has a ROA % of 0.59% 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 Credit Immobilier et Hotelier and its competitors. This is near median its historical median of 0.64. Over the past decade, Credit Immobilier et Hotelier's ROA % has ranged from 0.10 to 0.94. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #1066 out of 1529 companies in the Banks industry, placing it in the top 69.7%.
Is Credit Immobilier et Hotelier's ROA % too high?
Credit Immobilier et Hotelier's current ROA % of 0.59% is near median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.94. The Banks industry median ROA % is 0.98. Credit Immobilier et Hotelier's value of 0.59% is 39.8% below this industry median. Based on the distribution chart, Credit Immobilier et Hotelier ranks #1066 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Credit Immobilier et Hotelier has a GF Score™ of 34/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #1066 out of 1529 companies for ROA %. This places Credit Immobilier et Hotelier in the lower half of its industry. The industry median ROA % is 0.98. Credit Immobilier et Hotelier's value of 0.59% is 39.8% below this benchmark. Historically, Credit Immobilier et Hotelier's own ROA % has ranged from 0.10 to 0.94 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 0.98, Credit Immobilier et Hotelier 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 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. Credit Immobilier et Hotelier's current ROA % of 0.59% is 39.8% 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 Credit Immobilier et Hotelier 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. Credit Immobilier et Hotelier's current ROA % is 0.59%, which is near median its own 10-year median of 0.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD414.49, compared to a current price of MAD351.00 — trading 15.3% below its estimated fair value. The current ROA % is 0.59%, which is near median its 10-year median of 0.64 and 39.8% below the Banks industry median of 0.98. Credit Immobilier et Hotelier's overall GF Score™ is 34/100 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 Credit Immobilier et Hotelier (CAS:CIH), the current ROA % is 0.59% 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued.
The current stock price of MAD351.00 is trading 15.3% below its estimated GF Value™ of MAD414.49.
GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.
Key valuation signals for CAS:CIH:
ROA %: 0.59% (near median its 10-year median of 0.64)
GF Value™: MAD414.49 vs. price of MAD351.00 (15.3% below fair value)
Industry Position: 39.8% below the Banks median (#1066 of 1529)
No single metric tells the full story. See the CAS:CIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Immobilier et Hotelier Business Description
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
34GF Score
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