FRA:ICK's ROA % is ranked worse than 67.63% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FRA:ICK: 0.70
Industrial And Commercial Bank Of China (FRA:ICK) 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.
Industrial And Commercial Bank Of China ROA % Related Terms
Industrial And Commercial Bank Of China 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.
Industrial And Commercial Bank Of China ROA % Chart
Industrial And Commercial Bank Of China Annual Data
For the Banks - Diversified subindustry, Industrial And Commercial Bank Of China'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.
Industrial And Commercial Bank Of China ROA % vs Banks Industry
* 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.
Industrial And Commercial Bank Of China (FRA:ICK) has a ROA % of 0.65% 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 Industrial And Commercial Bank Of China and its competitors. This is 36% below median its historical median of 1.01. Over the past decade, Industrial And Commercial Bank Of China's ROA % has ranged from 0.70 to 1.20. According to the industry distribution chart, Industrial And Commercial Bank Of China ranks #1034 out of 1529 companies in the Banks industry, placing it in the top 67.6%.
Is Industrial And Commercial Bank Of China's ROA % too high?
Industrial And Commercial Bank Of China's current ROA % of 0.65% is 36% below median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.20. The Banks industry median ROA % is 0.98. Industrial And Commercial Bank Of China's value of 0.65% is 33.7% below this industry median. Based on the distribution chart, Industrial And Commercial Bank Of China ranks #1034 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Industrial And Commercial Bank Of China has a GF Score™ of 38/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Industrial And Commercial Bank Of China's ROA % compare to JPM and BAC?
According to the Banks industry distribution chart, Industrial And Commercial Bank Of China ranks #1034 out of 1529 companies for ROA %. This places Industrial And Commercial Bank Of China in the lower half of its industry. The industry median ROA % is 0.98. Industrial And Commercial Bank Of China's value of 0.65% is 33.7% below this benchmark. Historically, Industrial And Commercial Bank Of China's own ROA % has ranged from 0.70 to 1.20 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 0.98, Industrial And Commercial Bank Of China 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. Industrial And Commercial Bank Of China's current ROA % of 0.65% is 33.7% 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 Industrial And Commercial Bank Of China 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. Industrial And Commercial Bank Of China's current ROA % is 0.65%, which is 36% below median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Industrial And Commercial Bank Of China stock overvalued right now?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China (FRA:ICK) is currently considered Fairly Valued. The stock's GF Value™ is €0.70, compared to a current price of €0.75 — trading 7.5% above its estimated fair value. The current ROA % is 0.65%, which is 36% below median its 10-year median of 1.01 and 33.7% below the Banks industry median of 0.98. Industrial And Commercial Bank Of China's overall GF Score™ is 38/100 with 3 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 Industrial And Commercial Bank Of China (FRA:ICK), the current ROA % is 0.65% 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 Industrial And Commercial Bank Of China (FRA:ICK) Overvalued in 2026?
Based on GuruFocus' analysis, Industrial And Commercial Bank Of China stock appears to be overvalued.
The current stock price of €0.75 is trading 7.5% above its estimated GF Value™ of €0.70.
GuruFocus considers Industrial And Commercial Bank Of China to be Fairly Valued.
Key valuation signals for FRA:ICK:
ROA %: 0.65% (36% below median its 10-year median of 1.01)
GF Value™: €0.70 vs. price of €0.75 (7.5% above fair value)
Industry Position: 33.7% below the Banks median (#1034 of 1529)
No single metric tells the full story. See the FRA:ICK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Industrial And Commercial Bank Of China Business Description
Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.
38GF Score
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