IQS:BERI's ROA % is ranked worse than 97.52% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs IQS:BERI: -0.95
Erbil Bank for Investment & Finance (IQS:BERI) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
Erbil Bank for Investment & Finance ROA % Related Terms
Erbil Bank for Investment & Finance 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, Erbil Bank for Investment & Finance'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.
Erbil Bank for Investment & Finance 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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Erbil Bank for Investment & Finance (IQS:BERI) has a ROA % of 8.18% 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 Erbil Bank for Investment & Finance and its competitors. According to the industry distribution chart, Erbil Bank for Investment & Finance ranks #1494 out of 1532 companies in the Banks industry, placing it in the top 97.5%.
Is Erbil Bank for Investment & Finance's ROA % too high?
Erbil Bank for Investment & Finance's current ROA % is 8.18%. The Banks industry median ROA % is 0.98. Erbil Bank for Investment & Finance's value of 8.18% is 734.7% above this industry median. Based on the distribution chart, Erbil Bank for Investment & Finance ranks #1494 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Erbil Bank for Investment & Finance has a GF Score™ of 99/100, reflecting its overall financial health beyond just this single metric.
How does Erbil Bank for Investment & Finance's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Erbil Bank for Investment & Finance ranks #1494 out of 1532 companies for ROA %. This places Erbil Bank for Investment & Finance in the lower half of its industry. The industry median ROA % is 0.98. Erbil Bank for Investment & Finance's value of 8.18% is 734.7% above 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 1,532 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. Erbil Bank for Investment & Finance's current ROA % of 8.18% is 734.7% 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 Erbil Bank for Investment & Finance 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. Erbil Bank for Investment & Finance's current ROA % is 8.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erbil Bank for Investment & Finance stock overvalued right now?
Erbil Bank for Investment & Finance (IQS:BERI) has a current ROA % of 8.18%. The current ROA % is 8.18% and 734.7% above the Banks industry median of 0.98. Erbil Bank for Investment & Finance's overall GF Score™ is 99/100 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 Erbil Bank for Investment & Finance (IQS:BERI), the current ROA % is 8.18% 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.
Erbil Bank for Investment & Finance Business Description
Erbil Bank for Investment & Finance is a financial services organization that provides its presence in the banking sector through services offered to customers. The company offers products such as Banking accounts, Erbil bank cards, Internal and foreign remittances, Mobile banking, and credit services.
99GF Score
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