Raiffeisen Bank Aval JSCPFTS:BAVL ROA % is 2.04% as of Mar. 2026, which is 54% below its 10-year median of 4.45. The stock has 3 warning signs investors should review. Among 1,529 Banks companies, Raiffeisen Bank Aval JSC ranks better than 96.86% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Raiffeisen Bank Aval JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₴5,183 Mil.
Raiffeisen Bank Aval JSC's average Total Assets over the quarter that ended in Mar. 2026 was ₴254,450 Mil. Therefore, Raiffeisen Bank Aval JSC's annualized ROA % for the quarter that ended in Mar. 2026 was 2.04%.
The historical rank and industry rank for Raiffeisen Bank Aval JSC's ROA % or its related term are showing as below:
PFTS:BAVL'
s ROA % Range Over the Past 10 Years
Min: 1.09 Med: 4.45 Max: 8.57
Current: 4.01
During the past 13 years, Raiffeisen Bank Aval JSC's highest ROA % was 8.57%. The lowest was 1.09%. And the median was 4.45%.
PFTS:BAVL's ROA % is ranked better than 96.86% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PFTS:BAVL: 4.01
Raiffeisen Bank Aval JSC (PFTS:BAVL) 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.
* 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, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's ROA % distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a ROA % of 2.04% 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 Raiffeisen Bank Aval JSC and its competitors. This is 54% below median its historical median of 4.45. Over the past decade, Raiffeisen Bank Aval JSC's ROA % has ranged from 1.09 to 8.57. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #48 out of 1529 companies in the Banks industry, placing it in the top 3.1%.
Is Raiffeisen Bank Aval JSC's ROA % too high?
Raiffeisen Bank Aval JSC's current ROA % of 2.04% is 54% below median its 10-year median of 4.45. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 8.57. The Banks industry median ROA % is 0.98. Raiffeisen Bank Aval JSC's value of 2.04% is 108.2% above this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #48 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #48 out of 1529 companies for ROA %. This places Raiffeisen Bank Aval JSC in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Raiffeisen Bank Aval JSC's value of 2.04% is 108.2% above this benchmark. Historically, Raiffeisen Bank Aval JSC's own ROA % has ranged from 1.09 to 8.57 over the past decade. While the company's 10-year median is 4.45 vs. the industry median of 0.98, Raiffeisen Bank Aval JSC 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 0.98, 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. Raiffeisen Bank Aval JSC's current ROA % of 2.04% is 108.2% 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 Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current ROA % is 2.04%, which is 54% below median its own 10-year median of 4.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.45, compared to a current price of ₴0.46 — trading 2.8% above its estimated fair value. The current ROA % is 2.04%, which is 54% below median its 10-year median of 4.45 and 108.2% above the Banks industry median of 0.98. 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current ROA % is 2.04% 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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