PNGAY's ROA % is ranked worse than 73.72% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs PNGAY: 0.97
Ping An Insurance (Group) Co. of China (OTCPK:PNGAY) 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.
Ping An Insurance (Group) Co. of China ROA % Related Terms
Ping An Insurance (Group) Co. of China 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.
Ping An Insurance (Group) Co. of China ROA % Chart
Ping An Insurance (Group) Co. of China Annual Data
For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China ROA % vs Insurance Industry
* 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.
Ping An Insurance (Group) Co. of China (PNGAY) has a ROA % of 0.72% 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 Ping An Insurance (Group) Co. of China and its competitors. This is 36% below median its historical median of 1.13. Over the past decade, Ping An Insurance (Group) Co. of China's ROA % has ranged from 0.76 to 1.94. According to the industry distribution chart, Ping An Insurance (Group) Co. of China ranks #373 out of 506 companies in the Insurance industry, placing it in the top 73.7%.
Is Ping An Insurance (Group) Co. of China's ROA % too high?
Ping An Insurance (Group) Co. of China's current ROA % of 0.72% is 36% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.94. The Insurance industry median ROA % is 2.70. Ping An Insurance (Group) Co. of China's value of 0.72% is 73.3% below this industry median. Based on the distribution chart, Ping An Insurance (Group) Co. of China ranks #373 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Ping An Insurance (Group) Co. of China has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ping An Insurance (Group) Co. of China's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, Ping An Insurance (Group) Co. of China ranks #373 out of 506 companies for ROA %. This places Ping An Insurance (Group) Co. of China in the lower half of its industry. The industry median ROA % is 2.70. Ping An Insurance (Group) Co. of China's value of 0.72% is 73.3% below this benchmark. Historically, Ping An Insurance (Group) Co. of China's own ROA % has ranged from 0.76 to 1.94 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 2.70, Ping An Insurance (Group) Co. of China has consistently been below 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. Ping An Insurance (Group) Co. of China's current ROA % of 0.72% is 73.3% below 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 Ping An Insurance (Group) Co. of China 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. Ping An Insurance (Group) Co. of China's current ROA % is 0.72%, which is 36% below median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ping An Insurance (Group) Co. of China stock overvalued right now?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China (PNGAY) is currently considered Fairly Valued. The stock's GF Value™ is $12.68, compared to a current price of $13.26 — trading 4.6% above its estimated fair value. The current ROA % is 0.72%, which is 36% below median its 10-year median of 1.13 and 73.3% below the Insurance industry median of 2.70. Ping An Insurance (Group) Co. of China's overall GF Score™ is 72/100 with 3 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 Ping An Insurance (Group) Co. of China (PNGAY), the current ROA % is 0.72% 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 Ping An Insurance (Group) Co. of China (PNGAY) Overvalued in 2026?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued.
The current stock price of $13.26 is trading 4.6% above its estimated GF Value™ of $12.68.
GuruFocus considers Ping An Insurance (Group) Co. of China to be Fairly Valued.
Key valuation signals for PNGAY:
ROA %: 0.72% (36% below median its 10-year median of 1.13)
GF Value™: $12.68 vs. price of $13.26 (4.6% above fair value)
Industry Position: 73.3% below the Insurance median (#373 of 506)
No single metric tells the full story. See the PNGAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ping An Insurance (Group) Co. of China Business Description
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
72GF Score
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