ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. ZhongAn Online P&C Insurance Co's annualizedNet Income for the quarter that ended in Dec. 2025 was €105 Mil.
ZhongAn Online P&C Insurance Co's average Total Assets over the quarter that ended in Dec. 2025 was €5,455 Mil. Therefore, ZhongAn Online P&C Insurance Co's annualized ROA % for the quarter that ended in Dec. 2025 was 1.93%.
FRA:1ZO'
s ROA % Range Over the Past 10 Years
Min: -7.21 Med: 0.73 Max: 8.91
Current: 2.46
During the past 12 years, ZhongAn Online P&C Insurance Co's highest ROA % was 8.91%. The lowest was -7.21%. And the median was 0.73%.
FRA:1ZO's ROA % is ranked worse than 51.67% of 509
companies
in the Insurance industry
Industry Median: 2.67
vs FRA:1ZO: 2.46
ZhongAn Online P&C Insurance Co (FRA:1ZO) 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.
ZhongAn Online P&C Insurance Co ROA % Related Terms
ZhongAn Online P&C Insurance Co 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, ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co (FRA:1ZO) has a ROA % of 1.93% 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 ZhongAn Online P&C Insurance Co and its competitors. This is 164% above median its historical median of 0.73. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #263 out of 509 companies in the Insurance industry, placing it in the top 51.7%.
Is ZhongAn Online P&C Insurance Co's ROA % too high?
ZhongAn Online P&C Insurance Co's current ROA % of 1.93% is 164% above median its 10-year median of 0.73. The Insurance industry median ROA % is 2.67. ZhongAn Online P&C Insurance Co's value of 1.93% is 27.7% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #263 out of 509 companies in the Insurance industry, which is below the industry midpoint. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #263 out of 509 companies for ROA %. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median ROA % is 2.67. ZhongAn Online P&C Insurance Co's value of 1.93% is 27.7% below this benchmark. While the company's 10-year median is 0.73 vs. the industry median of 2.67, ZhongAn Online P&C Insurance Co 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 an Insurance company?
The median ROA % among Insurance companies is 2.67, 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. ZhongAn Online P&C Insurance Co's current ROA % of 1.93% is 27.7% 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 ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZhongAn Online P&C Insurance Co's current ROA % is 1.93%, which is 164% above median its own 10-year median of 0.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZhongAn Online P&C Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co (FRA:1ZO) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.72, compared to a current price of €1.00 — trading 42% below its estimated fair value. The current ROA % is 1.93%, which is 164% above median its 10-year median of 0.73 and 27.7% below the Insurance industry median of 2.67. ZhongAn Online P&C Insurance Co's overall GF Score™ is 84/100 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 ZhongAn Online P&C Insurance Co (FRA:1ZO), the current ROA % is 1.93% 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 ZhongAn Online P&C Insurance Co (FRA:1ZO) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of €1.00 is trading 42% below its estimated GF Value™ of €1.72.
GuruFocus considers ZhongAn Online P&C Insurance Co to be Significantly Undervalued.
Key valuation signals for FRA:1ZO:
ROA %: 1.93% (164% above median its 10-year median of 0.73)
GF Value™: €1.72 vs. price of €1.00 (42% below fair value)
Industry Position: 27.7% below the Insurance median (#263 of 509)
No single metric tells the full story. See the FRA:1ZO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZhongAn Online P&C Insurance Co Business Description
ZhongAn Online P&C Insurance Co Ltd is principally engaged in Fintech business, which mainly provides internet insurance services and insurance information technology services to customers. Its operating segments includes; Insurance, Technology, Banking, and Others. The insurance segment offers online property and casualty insurance and services in the PRC and generates majority of the company's revenue.
84GF Score
Get the complete analysis for FRA:1ZO
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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