NN Group NVNNGPF 53 ROA % is 0.78% as of Dec. 2025, which is 7% above its 10-year median of 0.73. GuruFocus rates NNGPF with a GF Score™ of 53/100 and a GF Value™ of $59.55 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 506 Insurance companies, NN Group NV ranks worse than 81.03% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NN Group NV's annualizedNet Income for the quarter that ended in Dec. 2025 was $1,867 Mil.
NN Group NV's average Total Assets over the quarter that ended in Dec. 2025 was $238,836 Mil. Therefore, NN Group NV's annualized ROA % for the quarter that ended in Dec. 2025 was 0.78%.
The historical rank and industry rank for NN Group NV's ROA % or its related term are showing as below:
NNGPF'
s ROA % Range Over the Past 10 Years
Min: 0.5 Med: 0.73 Max: 1.27
Current: 0.57
During the past 13 years, NN Group NV's highest ROA % was 1.27%. The lowest was 0.50%. And the median was 0.73%.
NNGPF's ROA % is ranked worse than 81.03% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs NNGPF: 0.57
NN Group NV (OTCPK:NNGPF) 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.
NN Group NV ROA % Related Terms
NN Group NV ROA % Historical Data
* Premium members only.
The historical data trend for NN Group NV'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 Insurance - Diversified subindustry, NN Group NV'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.
NN Group NV ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, NN Group NV's ROA % distribution charts can be found below:
* The bar in red indicates where NN Group NV'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.
NN Group NV (NNGPF) has a ROA % of 0.78% 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 NN Group NV and its competitors. This is near median its historical median of 0.73. Over the past decade, NN Group NV's ROA % has ranged from 0.50 to 1.27. According to the industry distribution chart, NN Group NV ranks #410 out of 506 companies in the Insurance industry, placing it in the top 81%.
Is NN Group NV's ROA % too high?
NN Group NV's current ROA % of 0.78% is near median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.27. The Insurance industry median ROA % is 2.70. NN Group NV's value of 0.78% is 71.1% below this industry median. Based on the distribution chart, NN Group NV ranks #410 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NN Group NV has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #410 out of 506 companies for ROA %. This places NN Group NV in the lower half of its industry. The industry median ROA % is 2.70. NN Group NV's value of 0.78% is 71.1% below this benchmark. Historically, NN Group NV's own ROA % has ranged from 0.50 to 1.27 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 2.70, NN Group NV 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 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. NN Group NV's current ROA % of 0.78% is 71.1% 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 NN Group NV 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. NN Group NV's current ROA % is 0.78%, which is near median its own 10-year median of 0.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (NNGPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $59.55, compared to a current price of $87.52 — trading 47% above its estimated fair value. The current ROA % is 0.78%, which is near median its 10-year median of 0.73 and 71.1% below the Insurance industry median of 2.70. NN Group NV's overall GF Score™ is 53/100 with 11 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 NN Group NV (NNGPF), the current ROA % is 0.78% 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 NN Group NV (NNGPF) Overvalued in 2026?
Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued.
The current stock price of $87.52 is trading 47% above its estimated GF Value™ of $59.55.
GuruFocus considers NN Group NV to be Significantly Overvalued.
Key valuation signals for NNGPF:
ROA %: 0.78% (near median its 10-year median of 0.73)
GF Value™: $59.55 vs. price of $87.52 (47% above fair value)
Industry Position: 71.1% below the Insurance median (#410 of 506)
No single metric tells the full story. See the NNGPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
53GF Score
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