Helvetia Baloise Holding AGHLVTY 74 ROA % is 0.48% as of Dec. 2025, which is 32% below its 10-year median of 0.71. GuruFocus rates HLVTY with a GF Score™ of 74/100 and a GF Value™ of $5.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 506 Insurance companies, Helvetia Baloise Holding AG ranks worse than 79.84% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Helvetia Baloise Holding AG's annualizedNet Income for the quarter that ended in Dec. 2025 was $615 Mil.
Helvetia Baloise Holding AG's average Total Assets over the quarter that ended in Dec. 2025 was $128,815 Mil. Therefore, Helvetia Baloise Holding AG's annualized ROA % for the quarter that ended in Dec. 2025 was 0.48%.
The historical rank and industry rank for Helvetia Baloise Holding AG's ROA % or its related term are showing as below:
HLVTY'
s ROA % Range Over the Past 10 Years
Min: 0.41 Med: 0.71 Max: 0.9
Current: 0.62
During the past 13 years, Helvetia Baloise Holding AG's highest ROA % was 0.90%. The lowest was 0.41%. And the median was 0.71%.
HLVTY's ROA % is ranked worse than 79.84% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs HLVTY: 0.62
Helvetia Baloise Holding AG (OTCPK:HLVTY) 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.
* 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 - Diversified subindustry, Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's ROA % distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG (HLVTY) has a ROA % of 0.48% 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 Helvetia Baloise Holding AG and its competitors. This is 32% below median its historical median of 0.71. Over the past decade, Helvetia Baloise Holding AG's ROA % has ranged from 0.41 to 0.90. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #404 out of 506 companies in the Insurance industry, placing it in the top 79.8%.
Is Helvetia Baloise Holding AG's ROA % too high?
Helvetia Baloise Holding AG's current ROA % of 0.48% is 32% below median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 0.90. The Insurance industry median ROA % is 2.70. Helvetia Baloise Holding AG's value of 0.48% is 82.2% below this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #404 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Helvetia Baloise Holding AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #404 out of 506 companies for ROA %. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median ROA % is 2.70. Helvetia Baloise Holding AG's value of 0.48% is 82.2% below this benchmark. Historically, Helvetia Baloise Holding AG's own ROA % has ranged from 0.41 to 0.90 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 2.70, Helvetia Baloise Holding AG 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 2.70, based on 506 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. Helvetia Baloise Holding AG's current ROA % of 0.48% is 82.2% 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 Helvetia Baloise Holding AG and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helvetia Baloise Holding AG's current ROA % is 0.48%, which is 32% below median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (HLVTY) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.47, compared to a current price of $7.07 — trading 29.3% above its estimated fair value. The current ROA % is 0.48%, which is 32% below median its 10-year median of 0.71 and 82.2% below the Insurance industry median of 2.70. Helvetia Baloise Holding AG's overall GF Score™ is 74/100 with 5 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 Helvetia Baloise Holding AG (HLVTY), the current ROA % is 0.48% 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 Helvetia Baloise Holding AG (HLVTY) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of $7.07 is trading 29.3% above its estimated GF Value™ of $5.47.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for HLVTY:
ROA %: 0.48% (32% below median its 10-year median of 0.71)
GF Value™: $5.47 vs. price of $7.07 (29.3% above fair value)
Industry Position: 82.2% below the Insurance median (#404 of 506)
No single metric tells the full story. See the HLVTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
74GF Score
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