Alm Brand ASOCSE:ALMB -1.57%55 ROA % is 2.74% as of Mar. 2026, which is 62% above its 10-year median of 1.69. GuruFocus rates OCSE:ALMB with a GF Score™ of 55/100 and a GF Value™ of kr14.15 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 508 Insurance companies, Alm Brand AS ranks better than 63.19% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Alm Brand AS's annualizedNet Income for the quarter that ended in Mar. 2026 was kr896 Mil.
Alm Brand AS's average Total Assets over the quarter that ended in Mar. 2026 was kr32,756 Mil. Therefore, Alm Brand AS's annualized ROA % for the quarter that ended in Mar. 2026 was 2.74%.
The historical rank and industry rank for Alm Brand AS's ROA % or its related term are showing as below:
OCSE:ALMB'
s ROA % Range Over the Past 10 Years
Min: 0.96 Med: 1.69 Max: 4.01
Current: 3.71
During the past 13 years, Alm Brand AS's highest ROA % was 4.01%. The lowest was 0.96%. And the median was 1.69%.
OCSE:ALMB's ROA % is ranked better than 63.19% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs OCSE:ALMB: 3.71
Alm Brand AS (OCSE:ALMB) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
Alm Brand AS ROA % Related Terms
Alm Brand AS ROA % Historical Data
* Premium members only.
The historical data trend for Alm Brand AS'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, Alm Brand AS'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.
Alm Brand AS ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Alm Brand AS's ROA % distribution charts can be found below:
* The bar in red indicates where Alm Brand AS'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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Alm Brand AS (OCSE:ALMB) has a ROA % of 2.74% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Alm Brand AS and its competitors. This is 62% above median its historical median of 1.69. Over the past decade, Alm Brand AS's ROA % has ranged from 0.96 to 4.01. According to the industry distribution chart, Alm Brand AS ranks #187 out of 508 companies in the Insurance industry, placing it in the top 36.8%.
Is Alm Brand AS's ROA % too high?
Alm Brand AS's current ROA % of 2.74% is 62% above median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 4.01. The Insurance industry median ROA % is 2.70. Alm Brand AS's value of 2.74% is 1.5% above this industry median. Based on the distribution chart, Alm Brand AS ranks #187 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, Alm Brand AS has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alm Brand AS's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Alm Brand AS ranks #187 out of 508 companies for ROA %. This puts Alm Brand AS in the upper half of its industry. The industry median ROA % is 2.70. Alm Brand AS's value of 2.74% is 1.5% above this benchmark. Historically, Alm Brand AS's own ROA % has ranged from 0.96 to 4.01 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 2.70, Alm Brand AS 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 508 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. Alm Brand AS's current ROA % of 2.74% is 1.5% 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 Alm Brand AS 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. Alm Brand AS's current ROA % is 2.74%, which is 62% above median its own 10-year median of 1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alm Brand AS stock overvalued right now?
Based on GuruFocus' analysis, Alm Brand AS (OCSE:ALMB) is currently considered Modestly Overvalued. The stock's GF Value™ is kr14.15, compared to a current price of kr15.65 — trading 10.6% above its estimated fair value. The current ROA % is 2.74%, which is 62% above median its 10-year median of 1.69 and 1.5% above the Insurance industry median of 2.70. Alm Brand AS's overall GF Score™ is 55/100 with 2 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 Alm Brand AS (OCSE:ALMB), the current ROA % is 2.74% as of Mar. 2026. 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 Alm Brand AS (OCSE:ALMB) Overvalued in 2026?
Based on GuruFocus' analysis, Alm Brand AS stock appears to be overvalued.
The current stock price of kr15.65 is trading 10.6% above its estimated GF Value™ of kr14.15.
GuruFocus considers Alm Brand AS to be Modestly Overvalued.
Key valuation signals for OCSE:ALMB:
ROA %: 2.74% (62% above median its 10-year median of 1.69)
GF Value™: kr14.15 vs. price of kr15.65 (10.6% above fair value)
Industry Position: 1.5% above the Insurance median (#187 of 508)
No single metric tells the full story. See the OCSE:ALMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alm Brand AS is a Danish investment holding company. Along with its subsidiaries, it offers insurance solutions, under various brands, to its customers. Its business segments include the personal Lines segment, which comprises sales of insurance to private households through its own sales channels and partnerships, the Commercial Lines segment, which comprises sales to agricultural and commercial customers through its own sales channels and partnerships, and the Non-life insurance segment, which is also its key revenue-generating segment. Geographically, the company generates the majority of its revenue from Denmark.
55GF Score
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