ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Banco de la Produccion PRODUBANCO's annualizedNet Income for the quarter that ended in Dec. 2025 was $83.7 Mil.
Banco de la Produccion PRODUBANCO's average Total Assets over the quarter that ended in Dec. 2025 was $8,633.7 Mil. Therefore, Banco de la Produccion PRODUBANCO's annualized ROA % for the quarter that ended in Dec. 2025 was 0.97%.
QUI:PRE'
s ROA % Range Over the Past 10 Years
Min: 0.36 Med: 0.94 Max: 1.44
Current: 0.97
During the past 10 years, Banco de la Produccion PRODUBANCO's highest ROA % was 1.44%. The lowest was 0.36%. And the median was 0.94%.
QUI:PRE's ROA % is ranked worse than 50.72% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs QUI:PRE: 0.97
Banco de la Produccion PRODUBANCO (QUI:PRE) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (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.
Banco de la Produccion PRODUBANCO ROA % Related Terms
Banco de la Produccion PRODUBANCO 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 Banks - Regional subindustry, Banco de la Produccion PRODUBANCO'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.
Banco de la Produccion PRODUBANCO ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Banco de la Produccion PRODUBANCO's ROA % distribution charts can be found below:
* The bar in red indicates where Banco de la Produccion PRODUBANCO'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Banco de la Produccion PRODUBANCO (QUI:PRE) has a ROA % of 0.97% 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 Banco de la Produccion PRODUBANCO and its competitors. This is near median its historical median of 0.94. Over the past decade, Banco de la Produccion PRODUBANCO's ROA % has ranged from 0.36 to 1.44. According to the industry distribution chart, Banco de la Produccion PRODUBANCO ranks #776 out of 1530 companies in the Banks industry, placing it in the top 50.7%.
Is Banco de la Produccion PRODUBANCO's ROA % too high?
Banco de la Produccion PRODUBANCO's current ROA % of 0.97% is near median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 1.44. The Banks industry median ROA % is 0.98. Banco de la Produccion PRODUBANCO's value of 0.97% is 1% below this industry median. Based on the distribution chart, Banco de la Produccion PRODUBANCO ranks #776 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Banco de la Produccion PRODUBANCO has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Banco de la Produccion PRODUBANCO's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Banco de la Produccion PRODUBANCO ranks #776 out of 1530 companies for ROA %. This places Banco de la Produccion PRODUBANCO in the lower half of its industry. The industry median ROA % is 0.98. Banco de la Produccion PRODUBANCO's value of 0.97% is 1% below this benchmark. Historically, Banco de la Produccion PRODUBANCO's own ROA % has ranged from 0.36 to 1.44 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 0.98, Banco de la Produccion PRODUBANCO 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 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. Banco de la Produccion PRODUBANCO's current ROA % of 0.97% is 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 Banco de la Produccion PRODUBANCO 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. Banco de la Produccion PRODUBANCO's current ROA % is 0.97%, which is near median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de la Produccion PRODUBANCO stock overvalued right now?
Banco de la Produccion PRODUBANCO (QUI:PRE) has a current ROA % of 0.97%. The stock's GF Value™ is $0.95, compared to a current price of $1.59 — trading 67.4% above its estimated fair value. The current ROA % is 0.97%, which is near median its 10-year median of 0.94 and 1% below the Banks industry median of 0.98. Banco de la Produccion PRODUBANCO's overall GF Score™ is 84/100 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 Banco de la Produccion PRODUBANCO (QUI:PRE), the current ROA % is 0.97% 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 Banco de la Produccion PRODUBANCO (QUI:PRE) Overvalued in 2026?
Based on GuruFocus' analysis, Banco de la Produccion PRODUBANCO stock appears to be overvalued.
The current stock price of $1.59 is trading 67.4% above its estimated GF Value™ of $0.95.
Key valuation signals for QUI:PRE:
ROA %: 0.97% (near median its 10-year median of 0.94)
GF Value™: $0.95 vs. price of $1.59 (67.4% above fair value)
Industry Position: 1% below the Banks median (#776 of 1530)
No single metric tells the full story. See the QUI:PRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco de la Produccion PRODUBANCO Business Description
Banco de la Produccion SA PRODUBANCO is a banking company. Its services include current accounts in dollars, savings accounts in dollars, capital integration accounts, payment of import levies, payment of taxes, accumulation policies, and ATMs among others.
84GF Score
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