ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Linea Directa Aseguradora's annualizedNet Income for the quarter that ended in Dec. 2025 was MXN1,769 Mil.
Linea Directa Aseguradora's average Total Assets over the quarter that ended in Dec. 2025 was MXN28,709 Mil. Therefore, Linea Directa Aseguradora's annualized ROA % for the quarter that ended in Dec. 2025 was 6.16%.
The historical rank and industry rank for Linea Directa Aseguradora's ROA % or its related term are showing as below:
MEX:LDAN'
s ROA % Range Over the Past 10 Years
Min: -0.38 Med: 6.01 Max: 9.39
Current: 6.56
During the past 6 years, Linea Directa Aseguradora's highest ROA % was 9.39%. The lowest was -0.38%. And the median was 6.01%.
MEX:LDAN's ROA % is ranked better than 83.79% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs MEX:LDAN: 6.56
Linea Directa Aseguradora (MEX:LDAN) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (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, Linea Directa Aseguradora'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.
Linea Directa Aseguradora ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's ROA % distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora'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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Linea Directa Aseguradora (MEX:LDAN) has a ROA % of 6.16% 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 Linea Directa Aseguradora and its competitors. This is near median its historical median of 6.01. According to the industry distribution chart, Linea Directa Aseguradora ranks #82 out of 506 companies in the Insurance industry, placing it in the top 16.2%.
Is Linea Directa Aseguradora's ROA % too high?
Linea Directa Aseguradora's current ROA % of 6.16% is near median its 10-year median of 6.01. The Insurance industry median ROA % is 2.70. Linea Directa Aseguradora's value of 6.16% is 128.1% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #82 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Linea Directa Aseguradora has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #82 out of 506 companies for ROA %. This places Linea Directa Aseguradora in the top 16% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Linea Directa Aseguradora's value of 6.16% is 128.1% above this benchmark. While the company's 10-year median is 6.01 vs. the industry median of 2.70, Linea Directa Aseguradora 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 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. Linea Directa Aseguradora's current ROA % of 6.16% is 128.1% 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 Linea Directa Aseguradora 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. Linea Directa Aseguradora's current ROA % is 6.16%, which is near median its own 10-year median of 6.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Linea Directa Aseguradora (MEX:LDAN) has a current ROA % of 6.16%. The stock's GF Value™ is MXN28.53, compared to a current price of MXN25.40 — trading 11% below its estimated fair value. The current ROA % is 6.16%, which is near median its 10-year median of 6.01 and 128.1% above the Insurance industry median of 2.70. Linea Directa Aseguradora's overall GF Score™ is 74/100. 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 Linea Directa Aseguradora (MEX:LDAN), the current ROA % is 6.16% 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 Linea Directa Aseguradora (MEX:LDAN) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be undervalued.
The current stock price of MXN25.40 is trading 11% below its estimated GF Value™ of MXN28.53.
Key valuation signals for MEX:LDAN:
ROA %: 6.16% (near median its 10-year median of 6.01)
GF Value™: MXN28.53 vs. price of MXN25.40 (11% below fair value)
Industry Position: 128.1% above the Insurance median (#82 of 506)
No single metric tells the full story. See the MEX:LDAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
74GF Score
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