ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Infinity Trust Mortgage Bank's annualizedNet Income for the quarter that ended in Dec. 2025 was ₦0 Mil.
Infinity Trust Mortgage Bank's average Total Assets over the quarter that ended in Dec. 2025 was ₦34,954 Mil. Therefore, Infinity Trust Mortgage Bank's annualized ROA % for the quarter that ended in Dec. 2025 was 0.00%.
The historical rank and industry rank for Infinity Trust Mortgage Bank's ROA % or its related term are showing as below:
NSA:INFINITY'
s ROA % Range Over the Past 10 Years
Min: 2.75 Med: 3.76 Max: 7.73
Current: 4.24
During the past 12 years, Infinity Trust Mortgage Bank's highest ROA % was 7.73%. The lowest was 2.75%. And the median was 3.76%.
NSA:INFINITY's ROA % is ranked better than 97.31% of 1527
companies
in the Banks industry
Industry Median: 0.98
vs NSA:INFINITY: 4.24
Infinity Trust Mortgage Bank (NSA:INFINITY) 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.
Infinity Trust Mortgage Bank ROA % Related Terms
Infinity Trust Mortgage Bank ROA % Historical 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.
For the Mortgage Finance subindustry, Infinity Trust Mortgage Bank'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.
Infinity Trust Mortgage Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Infinity Trust Mortgage Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Infinity Trust Mortgage Bank'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.
Infinity Trust Mortgage Bank (NSA:INFINITY) has a ROA % of 0.00% 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 Infinity Trust Mortgage Bank and its competitors. Over the past decade, Infinity Trust Mortgage Bank's ROA % has ranged from 2.75 to 7.73. According to the industry distribution chart, Infinity Trust Mortgage Bank ranks #41 out of 1527 companies in the Banks industry, placing it in the top 2.7%.
Is Infinity Trust Mortgage Bank's ROA % too high?
Infinity Trust Mortgage Bank's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 7.73. Based on the distribution chart, Infinity Trust Mortgage Bank ranks #41 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Infinity Trust Mortgage Bank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Infinity Trust Mortgage Bank's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Infinity Trust Mortgage Bank ranks #41 out of 1527 companies for ROA %. This places Infinity Trust Mortgage Bank in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Historically, Infinity Trust Mortgage Bank's own ROA % has ranged from 2.75 to 7.73 over the past decade. 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 1,527 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. 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 Infinity Trust Mortgage Bank 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. Infinity Trust Mortgage Bank's current ROA % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Infinity Trust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Infinity Trust Mortgage Bank (NSA:INFINITY) is currently considered Fairly Valued. The stock's GF Value™ is ₦11.69, compared to a current price of ₦11.25 — trading 3.8% below its estimated fair value. The current ROA % is 0.00%. Infinity Trust Mortgage Bank's overall GF Score™ is 58/100 with 6 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 Infinity Trust Mortgage Bank (NSA:INFINITY), the current ROA % is 0.00% 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 Infinity Trust Mortgage Bank (NSA:INFINITY) Overvalued in 2026?
Based on GuruFocus' analysis, Infinity Trust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦11.25 is trading 3.8% below its estimated GF Value™ of ₦11.69.
GuruFocus considers Infinity Trust Mortgage Bank to be Fairly Valued.
Key valuation signals for NSA:INFINITY:
ROA %: 0.00%
GF Value™: ₦11.69 vs. price of ₦11.25 (3.8% below fair value)
No single metric tells the full story. See the NSA:INFINITY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Infinity Trust Mortgage Bank PLC provides mortgage finance. The company's products and services includes Mortgage Finance, Fund Management, and Electronic Banking services.
58GF Score
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