ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Cooperative Assurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ﷼-27.5 Mil.
United Cooperative Assurance Co's average Total Assets over the quarter that ended in Mar. 2026 was ﷼772.5 Mil. Therefore, United Cooperative Assurance Co's annualized ROA % for the quarter that ended in Mar. 2026 was -3.55%.
SAU:8190'
s ROA % Range Over the Past 10 Years
Min: -29.98 Med: -2.7 Max: 6.39
Current: -28.36
During the past 13 years, United Cooperative Assurance Co's highest ROA % was 6.39%. The lowest was -29.98%. And the median was -2.70%.
SAU:8190's ROA % is ranked worse than 99.02% of 509
companies
in the Insurance industry
Industry Median: 2.67
vs SAU:8190: -28.36
United Cooperative Assurance Co (SAU:8190) 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.
United Cooperative Assurance Co ROA % Related Terms
United Cooperative Assurance 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 - Diversified subindustry, United Cooperative Assurance 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.
United Cooperative Assurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, United Cooperative Assurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where United Cooperative Assurance 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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
United Cooperative Assurance Co (SAU:8190) has a ROA % of -3.55% 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 United Cooperative Assurance Co and its competitors. According to the industry distribution chart, United Cooperative Assurance Co ranks #504 out of 509 companies in the Insurance industry, placing it in the top 99%.
Is United Cooperative Assurance Co's ROA % too high?
United Cooperative Assurance Co's current ROA % is -3.55%. Based on the distribution chart, United Cooperative Assurance Co ranks #504 out of 509 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, United Cooperative Assurance Co has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does United Cooperative Assurance Co's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, United Cooperative Assurance Co ranks #504 out of 509 companies for ROA %. This places United Cooperative Assurance Co in the lower half of its industry. The industry median ROA % is 2.67. 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 2.67, based on 509 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. 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 United Cooperative Assurance Co and its competitors. For the Insurance industry, the median ROA % is 2.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Cooperative Assurance Co's current ROA % is -3.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Cooperative Assurance Co stock overvalued right now?
Based on GuruFocus' analysis, United Cooperative Assurance Co (SAU:8190) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼7.95, compared to a current price of ﷼3.44 — trading 56.7% below its estimated fair value. The current ROA % is -3.55%. United Cooperative Assurance Co's overall GF Score™ is 59/100 with 4 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 United Cooperative Assurance Co (SAU:8190), the current ROA % is -3.55% 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 United Cooperative Assurance Co (SAU:8190) Overvalued in 2026?
Based on GuruFocus' analysis, United Cooperative Assurance Co stock appears to be undervalued.
The current stock price of ﷼3.44 is trading 56.7% below its estimated GF Value™ of ﷼7.95.
GuruFocus considers United Cooperative Assurance Co to be Possible Value Trap.
Key valuation signals for SAU:8190:
ROA %: -3.55%
GF Value™: ﷼7.95 vs. price of ﷼3.44 (56.7% below fair value)
No single metric tells the full story. See the SAU:8190 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Cooperative Assurance Co Business Description
United Cooperative Assurance Co is a company operating in the insurance sector. Its business is divided into segments including Medical insurance, Motor Insurance, Energy and engineering insurance, and Other classes. The medical insurance segment covers medical costs, medicines, and all other medical services and supplies. Motor Insurance, provides coverage against losses and liability related to motor vehicles, excluding transport insurance. And Other classes segment covers other classes of insurance including property, marine, cargo, aviation, among others. The company generates the majority of the revenue from Motor Insurance.
59GF Score
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