Halyk Bank of Kazakhstan JSCHALYY 69 ROA % is 4.55% as of Mar. 2026, which is 17% above its 10-year median of 3.89. GuruFocus rates HALYY with a GF Score™ of 69/100. The stock has 7 warning signs investors should review. Among 1,529 Banks companies, Halyk Bank of Kazakhstan JSC ranks better than 98.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Halyk Bank of Kazakhstan JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was $1,958.17 Mil.
Halyk Bank of Kazakhstan JSC's average Total Assets over the quarter that ended in Mar. 2026 was $43,019.66 Mil. Therefore, Halyk Bank of Kazakhstan JSC's annualized ROA % for the quarter that ended in Mar. 2026 was 4.55%.
The historical rank and industry rank for Halyk Bank of Kazakhstan JSC's ROA % or its related term are showing as below:
HALYY'
s ROA % Range Over the Past 10 Years
Min: 2.44 Med: 3.89 Max: 5.41
Current: 5.04
During the past 13 years, Halyk Bank of Kazakhstan JSC's highest ROA % was 5.41%. The lowest was 2.44%. And the median was 3.89%.
HALYY's ROA % is ranked better than 98.1% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs HALYY: 5.04
Halyk Bank of Kazakhstan JSC (OTCPK:HALYY) 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.
Halyk Bank of Kazakhstan JSC ROA % Related Terms
Halyk Bank of Kazakhstan JSC 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 Banks - Regional subindustry, Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Halyk Bank of Kazakhstan JSC's ROA % distribution charts can be found below:
* The bar in red indicates where Halyk Bank of Kazakhstan JSC'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.
Halyk Bank of Kazakhstan JSC (HALYY) has a ROA % of 4.55% 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 Halyk Bank of Kazakhstan JSC and its competitors. This is 17% above median its historical median of 3.89. Over the past decade, Halyk Bank of Kazakhstan JSC's ROA % has ranged from 2.44 to 5.41. According to the industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #29 out of 1529 companies in the Banks industry, placing it in the top 1.9%.
Is Halyk Bank of Kazakhstan JSC's ROA % too high?
Halyk Bank of Kazakhstan JSC's current ROA % of 4.55% is 17% above median its 10-year median of 3.89. Over the past 10 years, this metric has ranged from a low of 2.44 to a high of 5.41. The Banks industry median ROA % is 0.98. Halyk Bank of Kazakhstan JSC's value of 4.55% is 364.3% above this industry median. Based on the distribution chart, Halyk Bank of Kazakhstan JSC ranks #29 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #29 out of 1529 companies for ROA %. This places Halyk Bank of Kazakhstan JSC in the top 2% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Halyk Bank of Kazakhstan JSC's value of 4.55% is 364.3% above this benchmark. Historically, Halyk Bank of Kazakhstan JSC's own ROA % has ranged from 2.44 to 5.41 over the past decade. While the company's 10-year median is 3.89 vs. the industry median of 0.98, Halyk Bank of Kazakhstan JSC 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 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. Halyk Bank of Kazakhstan JSC's current ROA % of 4.55% is 364.3% 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 Halyk Bank of Kazakhstan JSC 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. Halyk Bank of Kazakhstan JSC's current ROA % is 4.55%, which is 17% above median its own 10-year median of 3.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Halyk Bank of Kazakhstan JSC stock overvalued right now?
Halyk Bank of Kazakhstan JSC (HALYY) has a current ROA % of 4.55%. The current ROA % is 4.55%, which is 17% above median its 10-year median of 3.89 and 364.3% above the Banks industry median of 0.98. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 69/100 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 Halyk Bank of Kazakhstan JSC (HALYY), the current ROA % is 4.55% 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.
Halyk Bank of Kazakhstan JSC is engaged in retail, corporate, and SME banking services. It also provides insurance, cash collection, asset management, brokerage, telecommunication, and leasing services. The group has four main business segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The majority of revenue derives from the corporate banking segment, which includes banking services to corporate clients and financial institutions, including current accounts and correspondent accounts, deposits, custody, overdrafts, loans and other credit facilities, documentary operations, including guarantees and letters of credit, trade finance products, as well as cash services and foreign exchange transactions.
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