Stanbic HoldingsNAI:SBIC +1.69%56 ROA % is 2.82% as of Jun. 2025, which is 25% above its 10-year median of 2.26. GuruFocus rates NAI:SBIC with a GF Score™ of 56/100 and a GF Value™ of KES171.22 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, Stanbic Holdings ranks better than 94.05% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Stanbic Holdings's annualizedNet Income for the quarter that ended in Jun. 2025 was KES13,089 Mil.
Stanbic Holdings's average Total Assets over the quarter that ended in Jun. 2025 was KES464,276 Mil. Therefore, Stanbic Holdings's annualized ROA % for the quarter that ended in Jun. 2025 was 2.82%.
The historical rank and industry rank for Stanbic Holdings's ROA % or its related term are showing as below:
NAI:SBIC'
s ROA % Range Over the Past 10 Years
Min: 1.64 Med: 2.26 Max: 3
Current: 2.74
During the past 13 years, Stanbic Holdings's highest ROA % was 3.00%. The lowest was 1.64%. And the median was 2.26%.
NAI:SBIC's ROA % is ranked better than 94.05% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs NAI:SBIC: 2.74
Stanbic Holdings (NAI:SBIC) 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 (Jun. 2025) net income data. The Revenue data used here is two times the semi-annual (Jun. 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.
Stanbic Holdings ROA % Related Terms
Stanbic Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Stanbic Holdings's ROA % can be seen below:
* 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, Stanbic 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.
Stanbic Holdings ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Stanbic 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 two times the semi-annual (Jun. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Stanbic Holdings (NAI:SBIC) has a ROA % of 2.82% as of Jun. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Stanbic Holdings and its competitors. This is 25% above median its historical median of 2.26. Over the past decade, Stanbic Holdings' ROA % has ranged from 1.64 to 3.00. According to the industry distribution chart, Stanbic Holdings ranks #91 out of 1530 companies in the Banks industry, placing it in the top 5.9%.
Is Stanbic Holdings' ROA % too high?
Stanbic Holdings' current ROA % of 2.82% is 25% above median its 10-year median of 2.26. Over the past 10 years, this metric has ranged from a low of 1.64 to a high of 3.00. The Banks industry median ROA % is 0.98. Stanbic Holdings' value of 2.82% is 187.8% above this industry median. Based on the distribution chart, Stanbic Holdings ranks #91 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Stanbic Holdings has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic Holdings' ROA % compare to competitors?
According to the Banks industry distribution chart, Stanbic Holdings ranks #91 out of 1530 companies for ROA %. This places Stanbic Holdings in the top 6% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Stanbic Holdings' value of 2.82% is 187.8% above this benchmark. Historically, Stanbic Holdings' own ROA % has ranged from 1.64 to 3.00 over the past decade. While the company's 10-year median is 2.26 vs. the industry median of 0.98, Stanbic Holdings 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 1,530 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. Stanbic Holdings's current ROA % of 2.82% is 187.8% 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 Stanbic Holdings 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. Stanbic Holdings's current ROA % is 2.82%, which is 25% above median its own 10-year median of 2.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic Holdings (NAI:SBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is KES171.22, compared to a current price of KES285.00 — trading 66.5% above its estimated fair value. The current ROA % is 2.82%, which is 25% above median its 10-year median of 2.26 and 187.8% above the Banks industry median of 0.98. Stanbic Holdings' overall GF Score™ is 56/100 with 7 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 Stanbic Holdings (NAI:SBIC), the current ROA % is 2.82% as of Jun. 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 Stanbic Holdings (NAI:SBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic Holdings stock appears to be overvalued.
The current stock price of KES285.00 is trading 66.5% above its estimated GF Value™ of KES171.22.
GuruFocus considers Stanbic Holdings to be Significantly Overvalued.
Key valuation signals for NAI:SBIC:
ROA %: 2.82% (25% above median its 10-year median of 2.26)
GF Value™: KES171.22 vs. price of KES285.00 (66.5% above fair value)
Industry Position: 187.8% above the Banks median (#91 of 1530)
No single metric tells the full story. See the NAI:SBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic Holdings PLC is a financial services company. It is organized into two business units, Corporate and Investment Banking, Personal and Business Banking. Corporate and Investment Banking provides commercial and investment financial services to larger corporate, financial institutions, and international counter parties. The company's products include transactional products and services and investment banking. The Personal and Business Banking provides banking services to individual customers and small to medium-sized enterprises. The products offered include mortgage lending, instalment sales, and finance leases, card products, transactional and lending products, amongst others.
56GF Score
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