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Trans Iraq Bank for InvestmentIQS:BTRI 100 ROA % is 0.82% as of Sep. 2025, which is 6% below its 10-year median of 0.87. GuruFocus rates IQS:BTRI with a GF Score™ of 100/100. The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Trans Iraq Bank for Investment ranks worse than 92.8% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Trans Iraq Bank for Investment's annualizedNet Income for the quarter that ended in Sep. 2025 was ع.د3,369 Mil.
Trans Iraq Bank for Investment's average Total Assets over the quarter that ended in Sep. 2025 was ع.د409,276 Mil. Therefore, Trans Iraq Bank for Investment's annualized ROA % for the quarter that ended in Sep. 2025 was 0.82%.
The historical rank and industry rank for Trans Iraq Bank for Investment's ROA % or its related term are showing as below:
IQS:BTRI'
s ROA % Range Over the Past 10 Years
Min: -2 Med: 0.87 Max: 1458.16
Current: 0.11
During the past 10 years, Trans Iraq Bank for Investment's highest ROA % was 1458.16%. The lowest was -2.00%. And the median was 0.87%.
IQS:BTRI's ROA % is ranked worse than 92.8% of 1527
companies
in the Banks industry
Industry Median: 1
vs IQS:BTRI: 0.11
Trans Iraq Bank for Investment (IQS:BTRI) 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 (Sep. 2025) net income data. The Revenue data used here is four times the quarterly (Sep. 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.
Trans Iraq Bank for Investment ROA % Related Terms
Trans Iraq Bank for Investment 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, Trans Iraq Bank for Investment'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.
Trans Iraq Bank for Investment ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Trans Iraq Bank for Investment's ROA % distribution charts can be found below:
* The bar in red indicates where Trans Iraq Bank for Investment'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 (Sep. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Trans Iraq Bank for Investment (IQS:BTRI) has a ROA % of 0.82% as of Sep. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Trans Iraq Bank for Investment and its competitors. This is near median its historical median of 0.87. According to the industry distribution chart, Trans Iraq Bank for Investment ranks #1417 out of 1527 companies in the Banks industry, placing it in the top 92.8%.
Is Trans Iraq Bank for Investment's ROA % too high?
Trans Iraq Bank for Investment's current ROA % of 0.82% is near median its 10-year median of 0.87. The Banks industry median ROA % is 1.00. Trans Iraq Bank for Investment's value of 0.82% is 18% below this industry median. Based on the distribution chart, Trans Iraq Bank for Investment ranks #1417 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Trans Iraq Bank for Investment has a GF Score™ of 100/100, reflecting its overall financial health beyond just this single metric.
How does Trans Iraq Bank for Investment's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Trans Iraq Bank for Investment ranks #1417 out of 1527 companies for ROA %. This places Trans Iraq Bank for Investment in the lower half of its industry. The industry median ROA % is 1.00. Trans Iraq Bank for Investment's value of 0.82% is 18% below this benchmark. While the company's 10-year median is 0.87 vs. the industry median of 1.00, Trans Iraq Bank for Investment 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 a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,527 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. Trans Iraq Bank for Investment's current ROA % of 0.82% is 18% 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 Trans Iraq Bank for Investment and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trans Iraq Bank for Investment's current ROA % is 0.82%, which is near median its own 10-year median of 0.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trans Iraq Bank for Investment stock overvalued right now?
Trans Iraq Bank for Investment (IQS:BTRI) has a current ROA % of 0.82%. The current ROA % is 0.82%, which is near median its 10-year median of 0.87 and 18% below the Banks industry median of 1.00. Trans Iraq Bank for Investment's overall GF Score™ is 100/100 with 2 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 Trans Iraq Bank for Investment (IQS:BTRI), the current ROA % is 0.82% as of Sep. 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.
Trans Iraq Bank for Investment is a financial institution that provides corporate banking, investment banking, personal banking, and credit department to its customers. The bank also provides issuance of Visa card, and Internet banking under its electronic services.
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