Atlantic Insurance Co PublicCYS:ATL 83 ROA % is 19.70% as of Dec. 2025, which is 114% above its 10-year median of 9.21. GuruFocus rates CYS:ATL with a GF Score™ of 83/100 and a GF Value™ of €2.96 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 509 Insurance companies, Atlantic Insurance Co Public ranks better than 97.84% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Atlantic Insurance Co Public's annualizedNet Income for the quarter that ended in Dec. 2025 was €19.80 Mil.
Atlantic Insurance Co Public's average Total Assets over the quarter that ended in Dec. 2025 was €100.51 Mil. Therefore, Atlantic Insurance Co Public's annualized ROA % for the quarter that ended in Dec. 2025 was 19.70%.
The historical rank and industry rank for Atlantic Insurance Co Public's ROA % or its related term are showing as below:
CYS:ATL'
s ROA % Range Over the Past 10 Years
Min: 2.33 Med: 9.21 Max: 21.05
Current: 20.89
During the past 13 years, Atlantic Insurance Co Public's highest ROA % was 21.05%. The lowest was 2.33%. And the median was 9.21%.
CYS:ATL's ROA % is ranked better than 97.84% of 509
companies
in the Insurance industry
Industry Median: 2.69
vs CYS:ATL: 20.89
Atlantic Insurance Co Public (CYS:ATL) 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.
Atlantic Insurance Co Public ROA % Related Terms
Atlantic Insurance Co Public 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 - Property & Casualty subindustry, Atlantic Insurance Co Public'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.
Atlantic Insurance Co Public ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic Insurance Co Public's ROA % distribution charts can be found below:
* The bar in red indicates where Atlantic Insurance Co Public'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.
Atlantic Insurance Co Public (CYS:ATL) has a ROA % of 19.70% 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 Atlantic Insurance Co Public and its competitors. This is 114% above median its historical median of 9.21. Over the past decade, Atlantic Insurance Co Public's ROA % has ranged from 2.33 to 21.05. According to the industry distribution chart, Atlantic Insurance Co Public ranks #11 out of 509 companies in the Insurance industry, placing it in the top 2.2%.
Is Atlantic Insurance Co Public's ROA % too high?
Atlantic Insurance Co Public's current ROA % of 19.70% is 114% above median its 10-year median of 9.21. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 21.05. The Insurance industry median ROA % is 2.69. Atlantic Insurance Co Public's value of 19.70% is 632.3% above this industry median. Based on the distribution chart, Atlantic Insurance Co Public ranks #11 out of 509 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Atlantic Insurance Co Public has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Insurance Co Public's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Atlantic Insurance Co Public ranks #11 out of 509 companies for ROA %. This places Atlantic Insurance Co Public in the top 2% of its industry — outperforming the majority of peers. The industry median ROA % is 2.69. Atlantic Insurance Co Public's value of 19.70% is 632.3% above this benchmark. Historically, Atlantic Insurance Co Public's own ROA % has ranged from 2.33 to 21.05 over the past decade. While the company's 10-year median is 9.21 vs. the industry median of 2.69, Atlantic Insurance Co Public 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 2.69, 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. Atlantic Insurance Co Public's current ROA % of 19.70% is 632.3% 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 Atlantic Insurance Co Public and its competitors. For the Insurance industry, the median ROA % is 2.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Insurance Co Public's current ROA % is 19.70%, which is 114% above median its own 10-year median of 9.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlantic Insurance Co Public stock overvalued right now?
Based on GuruFocus' analysis, Atlantic Insurance Co Public (CYS:ATL) is currently considered Modestly Undervalued. The stock's GF Value™ is €2.96, compared to a current price of €2.34 — trading 20.9% below its estimated fair value. The current ROA % is 19.70%, which is 114% above median its 10-year median of 9.21 and 632.3% above the Insurance industry median of 2.69. Atlantic Insurance Co Public's overall GF Score™ is 83/100 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 Atlantic Insurance Co Public (CYS:ATL), the current ROA % is 19.70% 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 Atlantic Insurance Co Public (CYS:ATL) Overvalued in 2026?
Based on GuruFocus' analysis, Atlantic Insurance Co Public stock appears to be undervalued.
The current stock price of €2.34 is trading 20.9% below its estimated GF Value™ of €2.96.
GuruFocus considers Atlantic Insurance Co Public to be Modestly Undervalued.
Key valuation signals for CYS:ATL:
ROA %: 19.70% (114% above median its 10-year median of 9.21)
GF Value™: €2.96 vs. price of €2.34 (20.9% below fair value)
Industry Position: 632.3% above the Insurance median (#11 of 509)
No single metric tells the full story. See the CYS:ATL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Atlantic Insurance Co Public Ltd is an insurance company based in Cyprus. The company's operating segment includes general Insurance and Financial Services. It generates maximum revenue in the form of Premiums from the Insurance segment. The company offers undertaking of insurance business of the classes such as Motor, Household, Fire and Special Perils, Burglary, Medical, Personal Accident, Health Insurance, Travel, and Marine Cargo and other Property Damage, General Liability, Credit and Guarantees and miscellaneous, general business, the possession of land with the intention of its division into plots and their disposal and the provision of financial consultancy and brokerage services.
83GF Score
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