Hannover Rueck SEHVRRF 76 ROA % is 3.90% as of Mar. 2026, which is 111% above its 10-year median of 1.85. GuruFocus rates HVRRF with a GF Score™ of 76/100 and a GF Value™ of $351.60 (Modestly Undervalued). Among 506 Insurance companies, Hannover Rueck SE ranks better than 66.6% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hannover Rueck SE's annualizedNet Income for the quarter that ended in Mar. 2026 was $3,286 Mil.
Hannover Rueck SE's average Total Assets over the quarter that ended in Mar. 2026 was $84,209 Mil. Therefore, Hannover Rueck SE's annualized ROA % for the quarter that ended in Mar. 2026 was 3.90%.
The historical rank and industry rank for Hannover Rueck SE's ROA % or its related term are showing as below:
HVRRF'
s ROA % Range Over the Past 10 Years
Min: 1.24 Med: 1.85 Max: 4.02
Current: 4.02
During the past 13 years, Hannover Rueck SE's highest ROA % was 4.02%. The lowest was 1.24%. And the median was 1.85%.
HVRRF's ROA % is ranked better than 66.6% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs HVRRF: 4.02
Hannover Rueck SE (OTCPK:HVRRF) 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.
Hannover Rueck SE ROA % Related Terms
Hannover Rueck SE ROA % Historical Data
* Premium members only.
The historical data trend for Hannover Rueck SE's ROA % can be seen below:
* 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 - Reinsurance subindustry, Hannover Rueck SE'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.
Hannover Rueck SE ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Hannover Rueck SE's ROA % distribution charts can be found below:
* The bar in red indicates where Hannover Rueck SE'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.
Hannover Rueck SE (HVRRF) has a ROA % of 3.90% 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 Hannover Rueck SE and its competitors. This is 111% above median its historical median of 1.85. Over the past decade, Hannover Rueck SE's ROA % has ranged from 1.24 to 4.02. According to the industry distribution chart, Hannover Rueck SE ranks #169 out of 506 companies in the Insurance industry, placing it in the top 33.4%.
Is Hannover Rueck SE's ROA % too high?
Hannover Rueck SE's current ROA % of 3.90% is 111% above median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 4.02. The Insurance industry median ROA % is 2.70. Hannover Rueck SE's value of 3.90% is 44.4% above this industry median. Based on the distribution chart, Hannover Rueck SE ranks #169 out of 506 companies in the Insurance industry, which is above the industry midpoint. Overall, Hannover Rueck SE has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hannover Rueck SE's ROA % compare to RGA and EG?
According to the Insurance industry distribution chart, Hannover Rueck SE ranks #169 out of 506 companies for ROA %. This puts Hannover Rueck SE in the upper half of its industry. The industry median ROA % is 2.70. Hannover Rueck SE's value of 3.90% is 44.4% above this benchmark. Historically, Hannover Rueck SE's own ROA % has ranged from 1.24 to 4.02 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 2.70, Hannover Rueck SE 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 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. Hannover Rueck SE's current ROA % of 3.90% is 44.4% 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 Hannover Rueck SE 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. Hannover Rueck SE's current ROA % is 3.90%, which is 111% above median its own 10-year median of 1.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hannover Rueck SE stock overvalued right now?
Based on GuruFocus' analysis, Hannover Rueck SE (HVRRF) is currently considered Modestly Undervalued. The stock's GF Value™ is $351.60, compared to a current price of $270.00 — trading 23.2% below its estimated fair value. The current ROA % is 3.90%, which is 111% above median its 10-year median of 1.85 and 44.4% above the Insurance industry median of 2.70. Hannover Rueck SE's overall GF Score™ is 76/100. 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 Hannover Rueck SE (HVRRF), the current ROA % is 3.90% 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 Hannover Rueck SE (HVRRF) Overvalued in 2026?
Based on GuruFocus' analysis, Hannover Rueck SE stock appears to be undervalued.
The current stock price of $270.00 is trading 23.2% below its estimated GF Value™ of $351.60.
GuruFocus considers Hannover Rueck SE to be Modestly Undervalued.
Key valuation signals for HVRRF:
ROA %: 3.90% (111% above median its 10-year median of 1.85)
GF Value™: $351.60 vs. price of $270.00 (23.2% below fair value)
Industry Position: 44.4% above the Insurance median (#169 of 506)
No single metric tells the full story. See the HVRRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hannover Re is a reinsurance company headquartered in Hannover, Germany. Its roots go back to the 1920s when, in conjunction with the Gerling Group, Haftpflichtverband founded Eisen- und Stahl-Industrie to provide reinsurance services. In the 1960s ownership of the business was turned over to Haftpflichtverband, and Aktiengesellschaft für Transport und- Rückversicherung was founded. This was the basis of Hannover Re. The business expanded into life and health reinsurance in the 1990s, and over the next 30 years expanded beyond its core domestic market of Germany to write business internationally. Hannover sold its commercial specialty insurance business to Talanx in January 2019. Hannover was listed in the 1990s on the Frankfurt Stock Exchange.
76GF Score
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