Swiss Re AGSSREF +2.90%67 ROA % is 3.18% as of Dec. 2025, which is 468% above its 10-year median of 0.56. GuruFocus rates SSREF with a GF Score™ of 67/100 and a GF Value™ of $134.07 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Swiss Re AG ranks better than 60.47% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Swiss Re AG's annualizedNet Income for the quarter that ended in Dec. 2025 was $4,288 Mil.
Swiss Re AG's average Total Assets over the quarter that ended in Dec. 2025 was $134,674 Mil. Therefore, Swiss Re AG's annualized ROA % for the quarter that ended in Dec. 2025 was 3.18%.
The historical rank and industry rank for Swiss Re AG's ROA % or its related term are showing as below:
SSREF'
s ROA % Range Over the Past 10 Years
Min: -0.39 Med: 0.56 Max: 3.47
Current: 3.47
During the past 13 years, Swiss Re AG's highest ROA % was 3.47%. The lowest was -0.39%. And the median was 0.56%.
SSREF's ROA % is ranked better than 60.47% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs SSREF: 3.47
Swiss Re AG (OTCPK:SSREF) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-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.
Swiss Re AG ROA % Related Terms
Swiss Re AG ROA % Historical Data
* Premium members only.
The historical data trend for Swiss Re AG's ROA % can be seen below:
* 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 - Reinsurance subindustry, Swiss Re 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.
Swiss Re AG ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Re AG's ROA % distribution charts can be found below:
* The bar in red indicates where Swiss Re 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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Swiss Re AG (SSREF) has a ROA % of 3.18% 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 Swiss Re AG and its competitors. This is 468% above median its historical median of 0.56. According to the industry distribution chart, Swiss Re AG ranks #200 out of 506 companies in the Insurance industry, placing it in the top 39.5%.
Is Swiss Re AG's ROA % too high?
Swiss Re AG's current ROA % of 3.18% is 468% above median its 10-year median of 0.56. The Insurance industry median ROA % is 2.70. Swiss Re AG's value of 3.18% is 17.8% above this industry median. Based on the distribution chart, Swiss Re AG ranks #200 out of 506 companies in the Insurance industry, which is above the industry midpoint. Overall, Swiss Re AG has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Re AG's ROA % compare to RGA and EG?
According to the Insurance industry distribution chart, Swiss Re AG ranks #200 out of 506 companies for ROA %. This puts Swiss Re AG in the upper half of its industry. The industry median ROA % is 2.70. Swiss Re AG's value of 3.18% is 17.8% above this benchmark. While the company's 10-year median is 0.56 vs. the industry median of 2.70, Swiss Re AG has consistently been above 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 506 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. Swiss Re AG's current ROA % of 3.18% is 17.8% above 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 Swiss Re AG 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. Swiss Re AG's current ROA % is 3.18%, which is 468% above median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Re AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Re AG (SSREF) is currently considered Modestly Overvalued. The stock's GF Value™ is $134.07, compared to a current price of $158.02 — trading 17.9% above its estimated fair value. The current ROA % is 3.18%, which is 468% above median its 10-year median of 0.56 and 17.8% above the Insurance industry median of 2.70. Swiss Re AG's overall GF Score™ is 67/100 with 2 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 Swiss Re AG (SSREF), the current ROA % is 3.18% 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 Swiss Re AG (SSREF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Re AG stock appears to be overvalued.
The current stock price of $158.02 is trading 17.9% above its estimated GF Value™ of $134.07.
GuruFocus considers Swiss Re AG to be Modestly Overvalued.
Key valuation signals for SSREF:
ROA %: 3.18% (468% above median its 10-year median of 0.56)
GF Value™: $134.07 vs. price of $158.02 (17.9% above fair value)
Industry Position: 17.8% above the Insurance median (#200 of 506)
No single metric tells the full story. See the SSREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Re is a reinsurer that has three core divisions: P&C reinsurance, life and health reinsurance, and corporate solutions. Swiss Re was founded in 1863 when the general manager of Helvetia sought to stem the flow of reinsurance premiums outside Switzerland. Moritz Grossmann argued he could cut the premiums paid to foreign firms, still make a profit, and pay mid-single-digit dividends. Swiss Re is now the second-largest reinsurer in the world by market capitalization, with 80 offices around the world and approximately 15,000 employees. While the business did lose its way in the early part of the millennium, led by an investment banker who heavily invested in securitizations, Swiss Re has recently focused on establishing quality within its three core divisions.
67GF Score
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