Tokio Marine HoldingsMEX:8766N 52 ROA % is 2.61% as of Dec. 2025, which is 99% above its 10-year median of 1.31. GuruFocus rates MEX:8766N with a GF Score™ of 52/100 and a GF Value™ of MXN661.31 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 508 Insurance companies, Tokio Marine Holdings ranks better than 55.51% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Tokio Marine Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was MXN98,132 Mil.
Tokio Marine Holdings's average Total Assets over the quarter that ended in Dec. 2025 was MXN3,754,879 Mil. Therefore, Tokio Marine Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 2.61%.
The historical rank and industry rank for Tokio Marine Holdings's ROA % or its related term are showing as below:
MEX:8766N'
s ROA % Range Over the Past 10 Years
Min: 0.63 Med: 1.31 Max: 3.41
Current: 3.13
During the past 13 years, Tokio Marine Holdings's highest ROA % was 3.41%. The lowest was 0.63%. And the median was 1.31%.
MEX:8766N's ROA % is ranked better than 55.51% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs MEX:8766N: 3.13
Tokio Marine Holdings (MEX:8766N) 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.
* 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 - Property & Casualty subindustry, Tokio Marine Holdings'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.
Tokio Marine Holdings ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tokio Marine Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Tokio Marine Holdings'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Tokio Marine Holdings (MEX:8766N) has a ROA % of 2.61% 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 Tokio Marine Holdings and its competitors. This is 99% above median its historical median of 1.31. Over the past decade, Tokio Marine Holdings' ROA % has ranged from 0.63 to 3.41. According to the industry distribution chart, Tokio Marine Holdings ranks #226 out of 508 companies in the Insurance industry, placing it in the top 44.5%.
Is Tokio Marine Holdings' ROA % too high?
Tokio Marine Holdings' current ROA % of 2.61% is 99% above median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 3.41. The Insurance industry median ROA % is 2.70. Tokio Marine Holdings' value of 2.61% is 3.3% below this industry median. Based on the distribution chart, Tokio Marine Holdings ranks #226 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, Tokio Marine Holdings has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Tokio Marine Holdings ranks #226 out of 508 companies for ROA %. This puts Tokio Marine Holdings in the upper half of its industry. The industry median ROA % is 2.70. Tokio Marine Holdings' value of 2.61% is 3.3% below this benchmark. Historically, Tokio Marine Holdings' own ROA % has ranged from 0.63 to 3.41 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 2.70, Tokio Marine Holdings 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 508 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. Tokio Marine Holdings's current ROA % of 2.61% is 3.3% 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 Tokio Marine Holdings 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. Tokio Marine Holdings's current ROA % is 2.61%, which is 99% above median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (MEX:8766N) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN661.31, compared to a current price of MXN806.49 — trading 22% above its estimated fair value. The current ROA % is 2.61%, which is 99% above median its 10-year median of 1.31 and 3.3% below the Insurance industry median of 2.70. Tokio Marine Holdings' overall GF Score™ is 52/100 with 5 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 Tokio Marine Holdings (MEX:8766N), the current ROA % is 2.61% 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.
Is Tokio Marine Holdings (MEX:8766N) Overvalued in 2026?
Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued.
The current stock price of MXN806.49 is trading 22% above its estimated GF Value™ of MXN661.31.
GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.
Key valuation signals for MEX:8766N:
ROA %: 2.61% (99% above median its 10-year median of 1.31)
GF Value™: MXN661.31 vs. price of MXN806.49 (22% above fair value)
Industry Position: 3.3% below the Insurance median (#226 of 508)
No single metric tells the full story. See the MEX:8766N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
52GF Score
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