ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PICC Property and Casualty Co's annualizedNet Income for the quarter that ended in Dec. 2025 was $58 Mil.
PICC Property and Casualty Co's average Total Assets over the quarter that ended in Dec. 2025 was $119,328 Mil. Therefore, PICC Property and Casualty Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.05%.
The historical rank and industry rank for PICC Property and Casualty Co's ROA % or its related term are showing as below:
PPCCF'
s ROA % Range Over the Past 10 Years
Min: 1.95 Med: 3.98 Max: 5.01
Current: 1.95
During the past 13 years, PICC Property and Casualty Co's highest ROA % was 5.01%. The lowest was 1.95%. And the median was 3.98%.
PPCCF's ROA % is ranked worse than 59.25% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs PPCCF: 1.95
PICC Property and Casualty Co (OTCPK:PPCCF) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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.
PICC Property and Casualty Co ROA % Related Terms
PICC Property and Casualty Co 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.
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty Co'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.
PICC Property and Casualty Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's ROA % distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
PICC Property and Casualty Co (PPCCF) has a ROA % of 0.05% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PICC Property and Casualty Co and its competitors. This is 99% below median its historical median of 3.98. Over the past decade, PICC Property and Casualty Co's ROA % has ranged from 1.95 to 5.01. According to the industry distribution chart, PICC Property and Casualty Co ranks #301 out of 508 companies in the Insurance industry, placing it in the top 59.3%.
Is PICC Property and Casualty Co's ROA % too high?
PICC Property and Casualty Co's current ROA % of 0.05% is 99% below median its 10-year median of 3.98. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 5.01. The Insurance industry median ROA % is 2.70. PICC Property and Casualty Co's value of 0.05% is 98.1% below this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #301 out of 508 companies in the Insurance industry, which is below the industry midpoint. Overall, PICC Property and Casualty Co has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #301 out of 508 companies for ROA %. This places PICC Property and Casualty Co in the lower half of its industry. The industry median ROA % is 2.70. PICC Property and Casualty Co's value of 0.05% is 98.1% below this benchmark. Historically, PICC Property and Casualty Co's own ROA % has ranged from 1.95 to 5.01 over the past decade. While the company's 10-year median is 3.98 vs. the industry median of 2.70, PICC Property and Casualty Co 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 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. PICC Property and Casualty Co's current ROA % of 0.05% is 98.1% 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 PICC Property and Casualty Co 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. PICC Property and Casualty Co's current ROA % is 0.05%, which is 99% below median its own 10-year median of 3.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
PICC Property and Casualty Co (PPCCF) has a current ROA % of 0.05%. The stock's GF Value™ is $1.77, compared to a current price of $1.96 — trading 10.7% above its estimated fair value. The current ROA % is 0.05%, which is 99% below median its 10-year median of 3.98 and 98.1% below the Insurance industry median of 2.70. PICC Property and Casualty Co's overall GF Score™ is 82/100 with 1 warning sign 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 PICC Property and Casualty Co (PPCCF), the current ROA % is 0.05% as of Dec. 2025. 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 PICC Property and Casualty Co (PPCCF) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of $1.96 is trading 10.7% above its estimated GF Value™ of $1.77.
Key valuation signals for PPCCF:
ROA %: 0.05% (99% below median its 10-year median of 3.98)
GF Value™: $1.77 vs. price of $1.96 (10.7% above fair value)
Industry Position: 98.1% below the Insurance median (#301 of 508)
No single metric tells the full story. See the PPCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Property and Casualty Co Business Description
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
82GF Score
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