Africa PrudentialNSA:AFRIPRUD 52 ROA % is 6.32% as of Dec. 2025, which is 23% below its 10-year median of 8.19. GuruFocus rates NSA:AFRIPRUD with a GF Score™ of 52/100 and a GF Value™ of ₦5.80 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 2,883 Software companies, Africa Prudential ranks better than 72.32% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Africa Prudential's annualizedNet Income for the quarter that ended in Dec. 2025 was ₦2,650 Mil.
Africa Prudential's average Total Assets over the quarter that ended in Dec. 2025 was ₦41,917 Mil. Therefore, Africa Prudential's annualized ROA % for the quarter that ended in Dec. 2025 was 6.32%.
The historical rank and industry rank for Africa Prudential's ROA % or its related term are showing as below:
NSA:AFRIPRUD'
s ROA % Range Over the Past 10 Years
Min: 4.56 Med: 8.19 Max: 9.04
Current: 6.94
During the past 11 years, Africa Prudential's highest ROA % was 9.04%. The lowest was 4.56%. And the median was 8.19%.
NSA:AFRIPRUD's ROA % is ranked better than 72.32% of 2883
companies
in the Software industry
Industry Median: 1.68
vs NSA:AFRIPRUD: 6.94
Africa Prudential (NSA:AFRIPRUD) 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.
Africa Prudential ROA % Related Terms
Africa Prudential ROA % Historical Data
* Premium members only.
The historical data trend for Africa Prudential'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.
NSA:AFRIPRUD vs MSFT, ORCL, PLTR: ROA % Comparison
For the Software - Infrastructure subindustry, Africa Prudential'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.
Africa Prudential ROA % vs Software Industry
For the Software industry and Technology sector, Africa Prudential's ROA % distribution charts can be found below:
* The bar in red indicates where Africa Prudential'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.
Africa Prudential (NSA:AFRIPRUD) has a ROA % of 6.32% 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 Africa Prudential and its competitors. This is 23% below median its historical median of 8.19. Over the past decade, Africa Prudential's ROA % has ranged from 4.56 to 9.04. According to the industry distribution chart, Africa Prudential ranks #798 out of 2883 companies in the Software industry, placing it in the top 27.7%.
Is Africa Prudential's ROA % too high?
Africa Prudential's current ROA % of 6.32% is 23% below median its 10-year median of 8.19. Over the past 10 years, this metric has ranged from a low of 4.56 to a high of 9.04. The Software industry median ROA % is 1.68. Africa Prudential's value of 6.32% is 276.2% above this industry median. Based on the distribution chart, Africa Prudential ranks #798 out of 2883 companies in the Software industry, which is above the industry midpoint. Overall, Africa Prudential has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Africa Prudential's ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Africa Prudential ranks #798 out of 2883 companies for ROA %. This puts Africa Prudential in the upper half of its industry. The industry median ROA % is 1.68. Africa Prudential's value of 6.32% is 276.2% above this benchmark. Historically, Africa Prudential's own ROA % has ranged from 4.56 to 9.04 over the past decade. While the company's 10-year median is 8.19 vs. the industry median of 1.68, Africa Prudential 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 Software company?
The median ROA % among Software companies is 1.68, based on 2,883 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. Africa Prudential's current ROA % of 6.32% is 276.2% 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 Africa Prudential and its competitors. For the Software industry, the median ROA % is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Africa Prudential's current ROA % is 6.32%, which is 23% below median its own 10-year median of 8.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Africa Prudential stock overvalued right now?
Based on GuruFocus' analysis, Africa Prudential (NSA:AFRIPRUD) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.80, compared to a current price of ₦11.70 — trading 101.7% above its estimated fair value. The current ROA % is 6.32%, which is 23% below median its 10-year median of 8.19 and 276.2% above the Software industry median of 1.68. Africa Prudential's 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 Africa Prudential (NSA:AFRIPRUD), the current ROA % is 6.32% 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 Africa Prudential (NSA:AFRIPRUD) Overvalued in 2026?
Based on GuruFocus' analysis, Africa Prudential stock appears to be overvalued.
The current stock price of ₦11.70 is trading 101.7% above its estimated GF Value™ of ₦5.80.
GuruFocus considers Africa Prudential to be Significantly Overvalued.
Key valuation signals for NSA:AFRIPRUD:
ROA %: 6.32% (23% below median its 10-year median of 8.19)
GF Value™: ₦5.80 vs. price of ₦11.70 (101.7% above fair value)
Industry Position: 276.2% above the Software median (#798 of 2883)
No single metric tells the full story. See the NSA:AFRIPRUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Africa Prudential PLC is an investor service and business solutions, provider. The company's competency in digital technology covers advanced Agile and other Software Development life Circle (SDLC) Methodologies, Cyber Security, Cloud Computing, Design thinking/product Development Labs, Blockchain technology, among others. The Company deploys Software as a Service ( SaaS) which are scalable for various sizes of organizations.
52GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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