ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Agesa Hayat Ve Emeklilik AS's annualizedNet Income for the quarter that ended in Mar. 2026 was ₺7,034 Mil.
Agesa Hayat Ve Emeklilik AS's average Total Assets over the quarter that ended in Mar. 2026 was ₺489,784 Mil. Therefore, Agesa Hayat Ve Emeklilik AS's annualized ROA % for the quarter that ended in Mar. 2026 was 1.44%.
The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's ROA % or its related term are showing as below:
IST:AGESA'
s ROA % Range Over the Past 10 Years
Min: 1.07 Med: 1.55 Max: 10.1
Current: 1.5
During the past 13 years, Agesa Hayat Ve Emeklilik AS's highest ROA % was 10.10%. The lowest was 1.07%. And the median was 1.55%.
IST:AGESA's ROA % is ranked worse than 65.22% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs IST:AGESA: 1.50
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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.
* 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, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's ROA % distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a ROA % of 1.44% 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 Agesa Hayat Ve Emeklilik AS and its competitors. This is near median its historical median of 1.55. Over the past decade, Agesa Hayat Ve Emeklilik AS's ROA % has ranged from 1.07 to 10.10. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 506 companies in the Insurance industry, placing it in the top 65.2%.
Is Agesa Hayat Ve Emeklilik AS's ROA % too high?
Agesa Hayat Ve Emeklilik AS's current ROA % of 1.44% is near median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 10.10. The Insurance industry median ROA % is 2.70. Agesa Hayat Ve Emeklilik AS's value of 1.44% is 46.7% below this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #330 out of 506 companies for ROA %. This places Agesa Hayat Ve Emeklilik AS in the lower half of its industry. The industry median ROA % is 2.70. Agesa Hayat Ve Emeklilik AS's value of 1.44% is 46.7% below this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own ROA % has ranged from 1.07 to 10.10 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 2.70, Agesa Hayat Ve Emeklilik AS 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. Agesa Hayat Ve Emeklilik AS's current ROA % of 1.44% is 46.7% 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 Agesa Hayat Ve Emeklilik AS 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. Agesa Hayat Ve Emeklilik AS's current ROA % is 1.44%, which is near median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺314.30, compared to a current price of ₺250.00 — trading 20.5% below its estimated fair value. The current ROA % is 1.44%, which is near median its 10-year median of 1.55 and 46.7% below the Insurance industry median of 2.70. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 with 3 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current ROA % is 1.44% 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺250.00 is trading 20.5% below its estimated GF Value™ of ₺314.30.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
ROA %: 1.44% (near median its 10-year median of 1.55)
GF Value™: ₺314.30 vs. price of ₺250.00 (20.5% below fair value)
Industry Position: 46.7% below the Insurance median (#330 of 506)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
Get the complete analysis for IST:AGESA
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IST:AGESA has been successfully added to your 
