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Coop Pank ASOTSE:CPA1T +0.44%55 ROA % is 1.18% as of Jun. 2026, which is 3% below its 10-year median of 1.22. GuruFocus rates OTSE:CPA1T with a GF Score™ of 55/100 and a GF Value™ of €2.22 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Coop Pank AS ranks better than 60.43% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Coop Pank AS's annualizedNet Income for the quarter that ended in Jun. 2026 was €32.89 Mil.
Coop Pank AS's average Total Assets over the quarter that ended in Jun. 2026 was €2,785.25 Mil. Therefore, Coop Pank AS's annualized ROA % for the quarter that ended in Jun. 2026 was 1.18%.
The historical rank and industry rank for Coop Pank AS's ROA % or its related term are showing as below:
OTSE:CPA1T'
s ROA % Range Over the Past 10 Years
Min: 0.53 Med: 1.22 Max: 2.12
Current: 1.16
During the past 10 years, Coop Pank AS's highest ROA % was 2.12%. The lowest was 0.53%. And the median was 1.22%.
OTSE:CPA1T's ROA % is ranked better than 60.43% of 1529
companies
in the Banks industry
Industry Median: 1
vs OTSE:CPA1T: 1.16
Coop Pank AS (OTSE:CPA1T) 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 (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 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.
Coop Pank AS ROA % Related Terms
Coop Pank AS ROA % Historical Data
* Premium members only.
The historical data trend for Coop Pank 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 Banks - Regional subindustry, Coop Pank 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.
Coop Pank AS ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Coop Pank AS's ROA % distribution charts can be found below:
* The bar in red indicates where Coop Pank 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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Coop Pank AS (OTSE:CPA1T) has a ROA % of 1.18% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Coop Pank AS and its competitors. This is near median its historical median of 1.22. Over the past decade, Coop Pank AS's ROA % has ranged from 0.53 to 2.12. According to the industry distribution chart, Coop Pank AS ranks #605 out of 1529 companies in the Banks industry, placing it in the top 39.6%.
Is Coop Pank AS's ROA % too high?
Coop Pank AS's current ROA % of 1.18% is near median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 2.12. The Banks industry median ROA % is 1.00. Coop Pank AS's value of 1.18% is 18% above this industry median. Based on the distribution chart, Coop Pank AS ranks #605 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, Coop Pank AS has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Coop Pank AS's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Coop Pank AS ranks #605 out of 1529 companies for ROA %. This puts Coop Pank AS in the upper half of its industry. The industry median ROA % is 1.00. Coop Pank AS's value of 1.18% is 18% above this benchmark. Historically, Coop Pank AS's own ROA % has ranged from 0.53 to 2.12 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.00, Coop Pank 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 a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,529 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. Coop Pank AS's current ROA % of 1.18% is 18% 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 Coop Pank AS and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Coop Pank AS's current ROA % is 1.18%, which is near median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Coop Pank AS stock overvalued right now?
Based on GuruFocus' analysis, Coop Pank AS (OTSE:CPA1T) is currently considered Fairly Valued. The stock's GF Value™ is €2.22, compared to a current price of €2.28 — trading 2.7% above its estimated fair value. The current ROA % is 1.18%, which is near median its 10-year median of 1.22 and 18% above the Banks industry median of 1.00. Coop Pank AS's overall GF Score™ is 55/100 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 Coop Pank AS (OTSE:CPA1T), the current ROA % is 1.18% as of Jun. 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 Coop Pank AS (OTSE:CPA1T) Overvalued in 2026?
Based on GuruFocus' analysis, Coop Pank AS stock appears to be overvalued.
The current stock price of €2.28 is trading 2.7% above its estimated GF Value™ of €2.22.
GuruFocus considers Coop Pank AS to be Fairly Valued.
Key valuation signals for OTSE:CPA1T:
ROA %: 1.18% (near median its 10-year median of 1.22)
GF Value™: €2.22 vs. price of €2.28 (2.7% above fair value)
Industry Position: 18% above the Banks median (#605 of 1529)
No single metric tells the full story. See the OTSE:CPA1T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Coop Pank AS is a credit institution offering banking and financing services. The company provides corporate banking, retail banking, leasing, consumer financing, and Other segments. Its leasing and insurance brokerage segment provides leasing products and insurance brokerage services to both private and corporate customers, respectively; The consumer financing segment provides consumer loans and hire-purchase cards to private customers; Corporate banking (legal entities) and Retail banking (private individuals) segments, both segments offer money transferring products and loan products to customers. It generates revenue from the corporate banking segment, which earns from interest income from lending and commission fees from the settlement of payments and bank card transactions.
55GF Score
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