ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Raiffeisen Bank International AG's annualizedNet Income for the quarter that ended in Mar. 2026 was $2,173 Mil.
Raiffeisen Bank International AG's average Total Assets over the quarter that ended in Mar. 2026 was $249,326 Mil. Therefore, Raiffeisen Bank International AG's annualized ROA % for the quarter that ended in Mar. 2026 was 0.87%.
RAIFY'
s ROA % Range Over the Past 10 Years
Min: 0.41 Med: 0.81 Max: 1.82
Current: 0.54
During the past 13 years, Raiffeisen Bank International AG's highest ROA % was 1.82%. The lowest was 0.41%. And the median was 0.81%.
RAIFY's ROA % is ranked worse than 74.82% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs RAIFY: 0.54
Raiffeisen Bank International AG (OTCPK:RAIFY) 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.
Raiffeisen Bank International AG ROA % Related Terms
Raiffeisen Bank International AG 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, Raiffeisen Bank International AG'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 International AG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank International AG's ROA % distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank International AG'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 International AG (RAIFY) has a ROA % of 0.87% 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 International AG and its competitors. This is near median its historical median of 0.81. Over the past decade, Raiffeisen Bank International AG's ROA % has ranged from 0.41 to 1.82. According to the industry distribution chart, Raiffeisen Bank International AG ranks #1144 out of 1529 companies in the Banks industry, placing it in the top 74.8%.
Is Raiffeisen Bank International AG's ROA % too high?
Raiffeisen Bank International AG's current ROA % of 0.87% is near median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.82. The Banks industry median ROA % is 0.98. Raiffeisen Bank International AG's value of 0.87% is 11.2% below this industry median. Based on the distribution chart, Raiffeisen Bank International AG ranks #1144 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Raiffeisen Bank International AG has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank International AG's ROA % compare to PNC?
According to the Banks industry distribution chart, Raiffeisen Bank International AG ranks #1144 out of 1529 companies for ROA %. This places Raiffeisen Bank International AG in the lower half of its industry. The industry median ROA % is 0.98. Raiffeisen Bank International AG's value of 0.87% is 11.2% below this benchmark. Historically, Raiffeisen Bank International AG's own ROA % has ranged from 0.41 to 1.82 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 0.98, Raiffeisen Bank International AG 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 1,529 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 International AG's current ROA % of 0.87% is 11.2% 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 Raiffeisen Bank International AG 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 International AG's current ROA % is 0.87%, which is near median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank International AG stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank International AG (RAIFY) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.08, compared to a current price of $15.60 — trading 207.1% above its estimated fair value. The current ROA % is 0.87%, which is near median its 10-year median of 0.81 and 11.2% below the Banks industry median of 0.98. Raiffeisen Bank International AG's overall GF Score™ is 56/100 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 Raiffeisen Bank International AG (RAIFY), the current ROA % is 0.87% 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 Raiffeisen Bank International AG (RAIFY) Overvalued in 2026?
Based on GuruFocus' analysis, Raiffeisen Bank International AG stock appears to be overvalued.
The current stock price of $15.60 is trading 207.1% above its estimated GF Value™ of $5.08.
GuruFocus considers Raiffeisen Bank International AG to be Significantly Overvalued.
Key valuation signals for RAIFY:
ROA %: 0.87% (near median its 10-year median of 0.81)
GF Value™: $5.08 vs. price of $15.60 (207.1% above fair value)
Industry Position: 11.2% below the Banks median (#1144 of 1529)
No single metric tells the full story. See the RAIFY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiffeisen Bank International AG Business Description
Raiffeisen Bank International AG is a corporate and investment bank with Central and Eastern Europe (CEE) as its home market. The group also includes financial service providers in leasing, asset management, factoring, and M&A. Its segments are as follows: The Central Europe segment covers the Czech Republic, Hungary, Poland, and Slovakia, offering corporate and retail banking, leasing, asset management, and building society services. Southeastern Europe includes Albania, Bosnia and Herzegovina, Romania, and Serbia, providing banking, leasing, asset management, and pension fund services. Eastern Europe comprises Russia, where RBI serves corporate and private customers and leasing. Ukraine is served through a bank offering full financial services via digital channels and branches.
56GF Score
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