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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. CIG Pannonia Life Insurance OJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was Ft1,872 Mil.
CIG Pannonia Life Insurance OJSC's average Total Assets over the quarter that ended in Mar. 2026 was Ft193,228 Mil. Therefore, CIG Pannonia Life Insurance OJSC's annualized ROA % for the quarter that ended in Mar. 2026 was 0.97%.
LTS:0P2E'
s ROA % Range Over the Past 10 Years
Min: -0.57 Med: 1.32 Max: 2.86
Current: 1.88
During the past 13 years, CIG Pannonia Life Insurance OJSC's highest ROA % was 2.86%. The lowest was -0.57%. And the median was 1.32%.
LTS:0P2E's ROA % is ranked worse than 59.72% of 509
companies
in the Insurance industry
Industry Median: 2.62
vs LTS:0P2E: 1.88
CIG Pannonia Life Insurance OJSC (LTS:0P2E) 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.
CIG Pannonia Life Insurance OJSC ROA % Related Terms
CIG Pannonia Life Insurance OJSC 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 Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC'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.
CIG Pannonia Life Insurance OJSC ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's ROA % distribution charts can be found below:
* The bar in red indicates where CIG Pannonia Life Insurance OJSC'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.
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a ROA % of 0.97% 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 CIG Pannonia Life Insurance OJSC and its competitors. This is 27% below median its historical median of 1.32. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #304 out of 509 companies in the Insurance industry, placing it in the top 59.7%.
Is CIG Pannonia Life Insurance OJSC's ROA % too high?
CIG Pannonia Life Insurance OJSC's current ROA % of 0.97% is 27% below median its 10-year median of 1.32. The Insurance industry median ROA % is 2.62. CIG Pannonia Life Insurance OJSC's value of 0.97% is 63% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #304 out of 509 companies in the Insurance industry, which is below the industry midpoint. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #304 out of 509 companies for ROA %. This places CIG Pannonia Life Insurance OJSC in the lower half of its industry. The industry median ROA % is 2.62. CIG Pannonia Life Insurance OJSC's value of 0.97% is 63% below this benchmark. While the company's 10-year median is 1.32 vs. the industry median of 2.62, CIG Pannonia Life Insurance OJSC 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 2.62, based on 509 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. CIG Pannonia Life Insurance OJSC's current ROA % of 0.97% is 63% 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 CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current ROA % is 0.97%, which is 27% below median its own 10-year median of 1.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIG Pannonia Life Insurance OJSC stock overvalued right now?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a current ROA % of 0.97%. The stock's GF Value™ is Ft137.92, compared to a current price of Ft133.34 — trading 3.3% below its estimated fair value. The current ROA % is 0.97%, which is 27% below median its 10-year median of 1.32 and 63% below the Insurance industry median of 2.62. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 52/100 with 4 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 CIG Pannonia Life Insurance OJSC (LTS:0P2E), the current ROA % is 0.97% 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 CIG Pannonia Life Insurance OJSC (LTS:0P2E) Overvalued in 2026?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued.
The current stock price of Ft133.34 is trading 3.3% below its estimated GF Value™ of Ft137.92.
Key valuation signals for LTS:0P2E:
ROA %: 0.97% (27% below median its 10-year median of 1.32)
GF Value™: Ft137.92 vs. price of Ft133.34 (3.3% below fair value)
Industry Position: 63% below the Insurance median (#304 of 509)
No single metric tells the full story. See the LTS:0P2E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIG Pannonia Life Insurance OJSC Business Description
CIG Pannonia Life Insurance OJSC is an insurance company. The company mainly sells various insurance products including unit-linked life insurance, term life insurance, endowment insurance, health insurance, casco, freight liability and suretyship insurance and also offers investment fund management and portfolio management. The company carries its activities in Hungary, Romania, Slovakia, and Italy. In addition, the company sells riders and non-life insurance products.
52GF Score
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