BNP Paribas Bank PolskaFRA:82MA -0.15%76 ROA % is 0.84% as of Mar. 2026, which is 75% above its 10-year median of 0.48. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €22.29 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,529 Banks companies, BNP Paribas Bank Polska ranks better than 79.01% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. BNP Paribas Bank Polska's annualizedNet Income for the quarter that ended in Mar. 2026 was €350 Mil.
BNP Paribas Bank Polska's average Total Assets over the quarter that ended in Mar. 2026 was €41,706 Mil. Therefore, BNP Paribas Bank Polska's annualized ROA % for the quarter that ended in Mar. 2026 was 0.84%.
The historical rank and industry rank for BNP Paribas Bank Polska's ROA % or its related term are showing as below:
FRA:82MA'
s ROA % Range Over the Past 10 Years
Min: 0.11 Med: 0.48 Max: 1.76
Current: 1.56
During the past 13 years, BNP Paribas Bank Polska's highest ROA % was 1.76%. The lowest was 0.11%. And the median was 0.48%.
FRA:82MA's ROA % is ranked better than 79.01% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FRA:82MA: 1.56
BNP Paribas Bank Polska (FRA:82MA) 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 Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska ROA % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's ROA % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska (FRA:82MA) has a ROA % of 0.84% 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 BNP Paribas Bank Polska and its competitors. This is 75% above median its historical median of 0.48. Over the past decade, BNP Paribas Bank Polska's ROA % has ranged from 0.11 to 1.76. According to the industry distribution chart, BNP Paribas Bank Polska ranks #321 out of 1529 companies in the Banks industry, placing it in the top 21%.
Is BNP Paribas Bank Polska's ROA % too high?
BNP Paribas Bank Polska's current ROA % of 0.84% is 75% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.76. The Banks industry median ROA % is 0.98. BNP Paribas Bank Polska's value of 0.84% is 14.3% below this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #321 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's ROA % compare to PNC?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #321 out of 1529 companies for ROA %. This places BNP Paribas Bank Polska in the top 21% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. BNP Paribas Bank Polska's value of 0.84% is 14.3% below this benchmark. Historically, BNP Paribas Bank Polska's own ROA % has ranged from 0.11 to 1.76 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.98, BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current ROA % of 0.84% is 14.3% 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 BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current ROA % is 0.84%, which is 75% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.29, compared to a current price of €33.55 — trading 50.5% above its estimated fair value. The current ROA % is 0.84%, which is 75% above median its 10-year median of 0.48 and 14.3% below the Banks industry median of 0.98. BNP Paribas Bank Polska's overall GF Score™ is 76/100 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 BNP Paribas Bank Polska (FRA:82MA), the current ROA % is 0.84% 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €33.55 is trading 50.5% above its estimated GF Value™ of €22.29.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
ROA %: 0.84% (75% above median its 10-year median of 0.48)
GF Value™: €22.29 vs. price of €33.55 (50.5% above fair value)
Industry Position: 14.3% below the Banks median (#321 of 1529)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score
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