ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Islami Commercial Insurance's annualizedNet Income for the quarter that ended in Mar. 2026 was BDT63.4 Mil.
Islami Commercial Insurance's average Total Assets over the quarter that ended in Mar. 2026 was BDT1,520.9 Mil. Therefore, Islami Commercial Insurance's annualized ROA % for the quarter that ended in Mar. 2026 was 4.17%.
The historical rank and industry rank for Islami Commercial Insurance's ROA % or its related term are showing as below:
DHA:ICICL'
s ROA % Range Over the Past 10 Years
Min: 3.81 Med: 4.2 Max: 5.09
Current: 4.13
During the past 5 years, Islami Commercial Insurance's highest ROA % was 5.09%. The lowest was 3.81%. And the median was 4.20%.
DHA:ICICL's ROA % is ranked better than 68.49% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs DHA:ICICL: 4.13
Islami Commercial Insurance (DHA:ICICL) 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.
* 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, Islami Commercial Insurance'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.
Islami Commercial Insurance ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Islami Commercial Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where Islami Commercial Insurance'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.
Islami Commercial Insurance (DHA:ICICL) has a ROA % of 4.17% 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 Islami Commercial Insurance and its competitors. This is near median its historical median of 4.20. Over the past decade, Islami Commercial Insurance's ROA % has ranged from 3.81 to 5.09. According to the industry distribution chart, Islami Commercial Insurance ranks #161 out of 511 companies in the Insurance industry, placing it in the top 31.5%.
Is Islami Commercial Insurance's ROA % too high?
Islami Commercial Insurance's current ROA % of 4.17% is near median its 10-year median of 4.20. Over the past 10 years, this metric has ranged from a low of 3.81 to a high of 5.09. The Insurance industry median ROA % is 2.73. Islami Commercial Insurance's value of 4.17% is 52.7% above this industry median. Based on the distribution chart, Islami Commercial Insurance ranks #161 out of 511 companies in the Insurance industry, which is above the industry midpoint. Overall, Islami Commercial Insurance has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Islami Commercial Insurance's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Islami Commercial Insurance ranks #161 out of 511 companies for ROA %. This puts Islami Commercial Insurance in the upper half of its industry. The industry median ROA % is 2.73. Islami Commercial Insurance's value of 4.17% is 52.7% above this benchmark. Historically, Islami Commercial Insurance's own ROA % has ranged from 3.81 to 5.09 over the past decade. While the company's 10-year median is 4.20 vs. the industry median of 2.73, Islami Commercial Insurance 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 2.73, based on 511 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. Islami Commercial Insurance's current ROA % of 4.17% is 52.7% 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 Islami Commercial Insurance and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Islami Commercial Insurance's current ROA % is 4.17%, which is near median its own 10-year median of 4.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islami Commercial Insurance stock overvalued right now?
Based on GuruFocus' analysis, Islami Commercial Insurance (DHA:ICICL) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT25.40, compared to a current price of BDT28.80 — trading 13.4% above its estimated fair value. The current ROA % is 4.17%, which is near median its 10-year median of 4.20 and 52.7% above the Insurance industry median of 2.73. Islami Commercial Insurance's overall GF Score™ is 63/100 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 Islami Commercial Insurance (DHA:ICICL), the current ROA % is 4.17% 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 Islami Commercial Insurance (DHA:ICICL) Overvalued in 2026?
Based on GuruFocus' analysis, Islami Commercial Insurance stock appears to be overvalued.
The current stock price of BDT28.80 is trading 13.4% above its estimated GF Value™ of BDT25.40.
GuruFocus considers Islami Commercial Insurance to be Modestly Overvalued.
Key valuation signals for DHA:ICICL:
ROA %: 4.17% (near median its 10-year median of 4.20)
GF Value™: BDT25.40 vs. price of BDT28.80 (13.4% above fair value)
Industry Position: 52.7% above the Insurance median (#161 of 511)
No single metric tells the full story. See the DHA:ICICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islami Commercial Insurance PLC provides the service of non-life (general) insurance solutions such as Fire, Motor, Marine or Miscellaneous Insurance to clients with maximum area coverage. Miscellaneous Insurance includes Burglary Insurance, Fidelity Guarantee, Workmen's Compensation, Personal Accident, Product liability Insurance Policy, and others. The company has four primary business segments for reporting purposes, namely fire, marine, motor, and miscellaneous.
63GF Score
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