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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Amana Cooperative Insurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ﷼-25.2 Mil.
Amana Cooperative Insurance Co's average Total Assets over the quarter that ended in Mar. 2026 was ﷼538.1 Mil. Therefore, Amana Cooperative Insurance Co's annualized ROA % for the quarter that ended in Mar. 2026 was -4.68%.
The historical rank and industry rank for Amana Cooperative Insurance Co's ROA % or its related term are showing as below:
SAU:8310'
s ROA % Range Over the Past 10 Years
Min: -34.51 Med: -4.18 Max: 5.7
Current: -2.67
During the past 13 years, Amana Cooperative Insurance Co's highest ROA % was 5.70%. The lowest was -34.51%. And the median was -4.18%.
SAU:8310's ROA % is ranked worse than 93.91% of 509
companies
in the Insurance industry
Industry Median: 2.62
vs SAU:8310: -2.67
Amana Cooperative Insurance Co (SAU:8310) 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.
Amana Cooperative Insurance Co ROA % Related Terms
Amana Cooperative Insurance 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 - Life subindustry, Amana Cooperative Insurance 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.
Amana Cooperative Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Amana Cooperative Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Amana Cooperative Insurance 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.
Amana Cooperative Insurance Co (SAU:8310) has a ROA % of -4.68% 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 Amana Cooperative Insurance Co and its competitors. According to the industry distribution chart, Amana Cooperative Insurance Co ranks #478 out of 509 companies in the Insurance industry, placing it in the top 93.9%.
Is Amana Cooperative Insurance Co's ROA % too high?
Amana Cooperative Insurance Co's current ROA % is -4.68%. Based on the distribution chart, Amana Cooperative Insurance Co ranks #478 out of 509 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Amana Cooperative Insurance Co has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amana Cooperative Insurance Co's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, Amana Cooperative Insurance Co ranks #478 out of 509 companies for ROA %. This places Amana Cooperative Insurance Co in the lower half of its industry. The industry median ROA % is 2.62. 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 2.62, 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 Amana Cooperative Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amana Cooperative Insurance Co's current ROA % is -4.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amana Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Amana Cooperative Insurance Co (SAU:8310) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼16.41, compared to a current price of ﷼7.70 — trading 53.1% below its estimated fair value. The current ROA % is -4.68%. Amana Cooperative Insurance Co's overall GF Score™ is 62/100 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 Amana Cooperative Insurance Co (SAU:8310), the current ROA % is -4.68% 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 Amana Cooperative Insurance Co (SAU:8310) Overvalued in 2026?
Based on GuruFocus' analysis, Amana Cooperative Insurance Co stock appears to be undervalued.
The current stock price of ﷼7.70 is trading 53.1% below its estimated GF Value™ of ﷼16.41.
GuruFocus considers Amana Cooperative Insurance Co to be Possible Value Trap.
Key valuation signals for SAU:8310:
ROA %: -4.68%
GF Value™: ﷼16.41 vs. price of ﷼7.70 (53.1% below fair value)
No single metric tells the full story. See the SAU:8310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amana Cooperative Insurance Co Business Description
Amana Cooperative Insurance Co is engaged in conducting cooperative insurance operations. The Company provides a range of insurance products, including medical, motor, marine, fire, engineering, accident and liability, and protection insurance. It operates through key segments such as Medical Insurance, which offers health insurance coverage and generates the maximum revenue, Motor Insurance, which covers vehicle-related risks, and Property & Casualty Insurance, which includes coverage for property, engineering, marine, and other general insurance products.
62GF Score
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