ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Kiatnakin Phatra Bank PCL's annualizedNet Income for the quarter that ended in Mar. 2026 was $242.4 Mil.
Kiatnakin Phatra Bank PCL's average Total Assets over the quarter that ended in Mar. 2026 was $15,687.5 Mil. Therefore, Kiatnakin Phatra Bank PCL's annualized ROA % for the quarter that ended in Mar. 2026 was 1.55%.
The historical rank and industry rank for Kiatnakin Phatra Bank PCL's ROA % or its related term are showing as below:
KNFSF'
s ROA % Range Over the Past 10 Years
Min: 0.96 Med: 1.6 Max: 2.36
Current: 1.37
During the past 13 years, Kiatnakin Phatra Bank PCL's highest ROA % was 2.36%. The lowest was 0.96%. And the median was 1.60%.
KNFSF's ROA % is ranked better than 73.04% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs KNFSF: 1.37
Kiatnakin Phatra Bank PCL (OTCPK:KNFSF) 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 Banks - Regional subindustry, Kiatnakin Phatra Bank PCL'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.
Kiatnakin Phatra Bank PCL ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Kiatnakin Phatra Bank PCL's ROA % distribution charts can be found below:
* The bar in red indicates where Kiatnakin Phatra Bank PCL'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.
Kiatnakin Phatra Bank PCL (KNFSF) has a ROA % of 1.55% 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 Kiatnakin Phatra Bank PCL and its competitors. This is near median its historical median of 1.60. Over the past decade, Kiatnakin Phatra Bank PCL's ROA % has ranged from 0.96 to 2.36. According to the industry distribution chart, Kiatnakin Phatra Bank PCL ranks #412 out of 1528 companies in the Banks industry, placing it in the top 27%.
Is Kiatnakin Phatra Bank PCL's ROA % too high?
Kiatnakin Phatra Bank PCL's current ROA % of 1.55% is near median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 2.36. The Banks industry median ROA % is 0.98. Kiatnakin Phatra Bank PCL's value of 1.55% is 58.2% above this industry median. Based on the distribution chart, Kiatnakin Phatra Bank PCL ranks #412 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Kiatnakin Phatra Bank PCL has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Kiatnakin Phatra Bank PCL's ROA % compare to PNC?
According to the Banks industry distribution chart, Kiatnakin Phatra Bank PCL ranks #412 out of 1528 companies for ROA %. This puts Kiatnakin Phatra Bank PCL in the upper half of its industry. The industry median ROA % is 0.98. Kiatnakin Phatra Bank PCL's value of 1.55% is 58.2% above this benchmark. Historically, Kiatnakin Phatra Bank PCL's own ROA % has ranged from 0.96 to 2.36 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 0.98, Kiatnakin Phatra Bank PCL 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 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. Kiatnakin Phatra Bank PCL's current ROA % of 1.55% is 58.2% 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 Kiatnakin Phatra Bank PCL 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. Kiatnakin Phatra Bank PCL's current ROA % is 1.55%, which is near median its own 10-year median of 1.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kiatnakin Phatra Bank PCL stock overvalued right now?
Kiatnakin Phatra Bank PCL (KNFSF) has a current ROA % of 1.55%. The stock's GF Value™ is $0.83, compared to a current price of $1.32 — trading 59% above its estimated fair value. The current ROA % is 1.55%, which is near median its 10-year median of 1.60 and 58.2% above the Banks industry median of 0.98. Kiatnakin Phatra Bank PCL's overall GF Score™ is 49/100 with 6 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 Kiatnakin Phatra Bank PCL (KNFSF), the current ROA % is 1.55% 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 Kiatnakin Phatra Bank PCL (KNFSF) Overvalued in 2026?
Based on GuruFocus' analysis, Kiatnakin Phatra Bank PCL stock appears to be overvalued.
The current stock price of $1.32 is trading 59% above its estimated GF Value™ of $0.83.
Key valuation signals for KNFSF:
ROA %: 1.55% (near median its 10-year median of 1.60)
GF Value™: $0.83 vs. price of $1.32 (59% above fair value)
Industry Position: 58.2% above the Banks median (#412 of 1528)
No single metric tells the full story. See the KNFSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kiatnakin Phatra Bank PCL provides banking business through its branch network in Thailand. The company's operating segments include the Commercial Banking Business: consists of all commercial banking business and KKP Tower Co., Ltd., except for the Debt restructuring segment; Capital Market Business, which consists of KKP Capital PCL., Kiatnakin Phatra Securities PCL., Kiatnakin Phatra Asset Management Co., Ltd., and KKP DIME Securities Co., Ltd.; and Debt Restructuring Segment. The majority of the company's revenue is derived from the Commercial Banking Business segment.
49GF Score
Get the complete analysis for KNFSF
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
KNFSF has been successfully added to your 
