Pelagos Insurance CapitalPLGO +4.08%82 ROA % is 3.30% as of Mar. 2026, which is 123% above its 10-year median of 1.48. GuruFocus rates PLGO with a GF Score™ of 82/100 and a GF Value™ of $21.01 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 506 Insurance companies, Pelagos Insurance Capital ranks better than 53.16% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Pelagos Insurance Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was $432 Mil.
Pelagos Insurance Capital's average Total Assets over the quarter that ended in Mar. 2026 was $13,077 Mil. Therefore, Pelagos Insurance Capital's annualized ROA % for the quarter that ended in Mar. 2026 was 3.30%.
The historical rank and industry rank for Pelagos Insurance Capital's ROA % or its related term are showing as below:
PLGO'
s ROA % Range Over the Past 10 Years
Min: 0.68 Med: 1.48 Max: 23.25
Current: 2.92
During the past 7 years, Pelagos Insurance Capital's highest ROA % was 23.25%. The lowest was 0.68%. And the median was 1.48%.
PLGO's ROA % is ranked better than 53.16% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs PLGO: 2.92
Pelagos Insurance Capital (NYSE:PLGO) 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 Insurance - Diversified subindustry, Pelagos Insurance Capital'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.
Pelagos Insurance Capital ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Pelagos Insurance Capital's ROA % distribution charts can be found below:
* The bar in red indicates where Pelagos Insurance Capital'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.
Pelagos Insurance Capital (PLGO) has a ROA % of 3.30% 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 Pelagos Insurance Capital and its competitors. This is 123% above median its historical median of 1.48. Over the past decade, Pelagos Insurance Capital's ROA % has ranged from 0.68 to 23.25. According to the industry distribution chart, Pelagos Insurance Capital ranks #237 out of 506 companies in the Insurance industry, placing it in the top 46.8%.
Is Pelagos Insurance Capital's ROA % too high?
Pelagos Insurance Capital's current ROA % of 3.30% is 123% above median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 23.25. The Insurance industry median ROA % is 2.70. Pelagos Insurance Capital's value of 3.30% is 22.2% above this industry median. Based on the distribution chart, Pelagos Insurance Capital ranks #237 out of 506 companies in the Insurance industry, which is above the industry midpoint. Overall, Pelagos Insurance Capital has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pelagos Insurance Capital's ROA % compare to XZO and IGIC?
According to the Insurance industry distribution chart, Pelagos Insurance Capital ranks #237 out of 506 companies for ROA %. This puts Pelagos Insurance Capital in the upper half of its industry. The industry median ROA % is 2.70. Pelagos Insurance Capital's value of 3.30% is 22.2% above this benchmark. Historically, Pelagos Insurance Capital's own ROA % has ranged from 0.68 to 23.25 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 2.70, Pelagos Insurance Capital 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 506 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. Pelagos Insurance Capital's current ROA % of 3.30% is 22.2% 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 Pelagos Insurance Capital 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. Pelagos Insurance Capital's current ROA % is 3.30%, which is 123% above median its own 10-year median of 1.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pelagos Insurance Capital stock overvalued right now?
Based on GuruFocus' analysis, Pelagos Insurance Capital (PLGO) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.01, compared to a current price of $24.74 — trading 17.8% above its estimated fair value. The current ROA % is 3.30%, which is 123% above median its 10-year median of 1.48 and 22.2% above the Insurance industry median of 2.70. Pelagos Insurance Capital's overall GF Score™ is 82/100 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 Pelagos Insurance Capital (PLGO), the current ROA % is 3.30% 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 Pelagos Insurance Capital (PLGO) Overvalued in 2026?
Based on GuruFocus' analysis, Pelagos Insurance Capital stock appears to be overvalued.
The current stock price of $24.74 is trading 17.8% above its estimated GF Value™ of $21.01.
GuruFocus considers Pelagos Insurance Capital to be Modestly Overvalued.
Key valuation signals for PLGO:
ROA %: 3.30% (123% above median its 10-year median of 1.48)
GF Value™: $21.01 vs. price of $24.74 (17.8% above fair value)
Industry Position: 22.2% above the Insurance median (#237 of 506)
No single metric tells the full story. See the PLGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pelagos Insurance Capital Ltd operates in the specialty insurance and reinsurance sector. Its activities include capital allocation, risk selection, and the deployment of capital through underwriting partnerships across insurance and reinsurance markets. The company manages a diversified portfolio and works with underwriting partners to provide insurance and reinsurance solutions to clients and brokers.
82GF Score
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