ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Kien Long Commercial JSB's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫416,809 Mil.
Kien Long Commercial JSB's average Total Assets over the quarter that ended in Mar. 2026 was ₫108,967,827 Mil. Therefore, Kien Long Commercial JSB's annualized ROA % for the quarter that ended in Mar. 2026 was 0.38%.
The historical rank and industry rank for Kien Long Commercial JSB's ROA % or its related term are showing as below:
HSTC:KLB'
s ROA % Range Over the Past 10 Years
Min: 0 Med: 0 Max: 0.38
Current: 0.38
During the past 0 years, Kien Long Commercial JSB's highest ROA % was 0.38%. The lowest was 0.00%. And the median was 0.00%.
HSTC:KLB's ROA % is ranked worse than 83.26% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs HSTC:KLB: 0.38
Kien Long Commercial JSB (HSTC:KLB) 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 one times the annual (Mar. 2026) net income data. The Revenue data used here is one times the annual (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.
Kien Long Commercial JSB ROA % Chart
Kien Long Commercial JSB Annual Data
Trend
ROA %
Kien Long Commercial JSB Semi-Annual Data
Mar25
Mar26
ROA %
0.00
0.38
HSTC:KLB vs PNC: ROA % Comparison
For the Banks - Regional subindustry, Kien Long Commercial JSB'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.
Kien Long Commercial JSB ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Kien Long Commercial JSB's ROA % distribution charts can be found below:
* The bar in red indicates where Kien Long Commercial JSB'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 one times the annual (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Kien Long Commercial JSB (HSTC:KLB) has a ROA % of 0.38% 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 Kien Long Commercial JSB and its competitors. According to the industry distribution chart, Kien Long Commercial JSB ranks #1273 out of 1529 companies in the Banks industry, placing it in the top 83.3%.
Is Kien Long Commercial JSB's ROA % too high?
Kien Long Commercial JSB's current ROA % is 0.38%. The Banks industry median ROA % is 0.98. Kien Long Commercial JSB's value of 0.38% is 61.2% below this industry median. Based on the distribution chart, Kien Long Commercial JSB ranks #1273 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Kien Long Commercial JSB has a GF Score™ of 27/100, reflecting its overall financial health beyond just this single metric.
How does Kien Long Commercial JSB's ROA % compare to PNC?
According to the Banks industry distribution chart, Kien Long Commercial JSB ranks #1273 out of 1529 companies for ROA %. This places Kien Long Commercial JSB in the lower half of its industry. The industry median ROA % is 0.98. Kien Long Commercial JSB's value of 0.38% is 61.2% below this benchmark. 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. Kien Long Commercial JSB's current ROA % of 0.38% is 61.2% 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 Kien Long Commercial JSB 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. Kien Long Commercial JSB's current ROA % is 0.38%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kien Long Commercial JSB stock overvalued right now?
Kien Long Commercial JSB (HSTC:KLB) has a current ROA % of 0.38%. The current ROA % is 0.38% and 61.2% below the Banks industry median of 0.98. Kien Long Commercial JSB's overall GF Score™ is 27/100 with 1 warning sign 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 Kien Long Commercial JSB (HSTC:KLB), the current ROA % is 0.38% 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.
Kien Long Commercial JSB is engaged in the business activities of the Bank consist of mobilizing short, medium and long-term deposits from organizations and individuals; granting short, medium and long-term loans to organizations and individuals based on the Bank's capital resources; conducting foreign exchange transactions, international trade finance services, and discounting commercial papers, bonds, and other valuable papers; performing capital contributions, share acquisition, bond investment, and other banking services as permitted by the SBV. The Group operates mainly in banking and asset management.
27GF Score
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