ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SinoPac Financial Holdings Co's annualizedNet Income for the quarter that ended in Dec. 2025 was NT$24,112 Mil.
SinoPac Financial Holdings Co's average Total Assets over the quarter that ended in Dec. 2025 was NT$3,462,018 Mil. Therefore, SinoPac Financial Holdings Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.70%.
The historical rank and industry rank for SinoPac Financial Holdings Co's ROA % or its related term are showing as below:
TPE:2890'
s ROA % Range Over the Past 10 Years
Min: 0.51 Med: 0.68 Max: 0.82
Current: 0.82
During the past 13 years, SinoPac Financial Holdings Co's highest ROA % was 0.82%. The lowest was 0.51%. And the median was 0.68%.
TPE:2890's ROA % is ranked worse than 61.29% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs TPE:2890: 0.82
SinoPac Financial Holdings Co (TPE:2890) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
SinoPac Financial Holdings Co ROA % Related Terms
SinoPac Financial Holdings 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.
SinoPac Financial Holdings Co ROA % Competitor Comparison
For the Banks - Regional subindustry, SinoPac Financial Holdings 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.
SinoPac Financial Holdings Co ROA % vs Banks Industry
For the Banks industry and Financial Services sector, SinoPac Financial Holdings Co's ROA % distribution charts can be found below:
* The bar in red indicates where SinoPac Financial Holdings 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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
SinoPac Financial Holdings Co (TPE:2890) has a ROA % of 0.70% 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 SinoPac Financial Holdings Co and its competitors. This is near median its historical median of 0.68. Over the past decade, SinoPac Financial Holdings Co's ROA % has ranged from 0.51 to 0.82. According to the industry distribution chart, SinoPac Financial Holdings Co ranks #939 out of 1532 companies in the Banks industry, placing it in the top 61.3%.
Is SinoPac Financial Holdings Co's ROA % too high?
SinoPac Financial Holdings Co's current ROA % of 0.70% is near median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 0.82. The Banks industry median ROA % is 0.98. SinoPac Financial Holdings Co's value of 0.70% is 28.6% below this industry median. Based on the distribution chart, SinoPac Financial Holdings Co ranks #939 out of 1532 companies in the Banks industry, which is below the industry midpoint. Overall, SinoPac Financial Holdings Co has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SinoPac Financial Holdings Co's ROA % compare to competitors?
According to the Banks industry distribution chart, SinoPac Financial Holdings Co ranks #939 out of 1532 companies for ROA %. This places SinoPac Financial Holdings Co in the lower half of its industry. The industry median ROA % is 0.98. SinoPac Financial Holdings Co's value of 0.70% is 28.6% below this benchmark. Historically, SinoPac Financial Holdings Co's own ROA % has ranged from 0.51 to 0.82 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.98, SinoPac Financial Holdings Co 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 1,532 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. SinoPac Financial Holdings Co's current ROA % of 0.70% is 28.6% 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 SinoPac Financial Holdings Co 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. SinoPac Financial Holdings Co's current ROA % is 0.70%, which is near median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SinoPac Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, SinoPac Financial Holdings Co (TPE:2890) is currently considered Significantly Overvalued. The stock's GF Value™ is NT$28.77, compared to a current price of NT$39.15 — trading 36.1% above its estimated fair value. The current ROA % is 0.70%, which is near median its 10-year median of 0.68 and 28.6% below the Banks industry median of 0.98. SinoPac Financial Holdings Co's overall GF Score™ is 80/100 with 7 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 SinoPac Financial Holdings Co (TPE:2890), the current ROA % is 0.70% 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 SinoPac Financial Holdings Co (TPE:2890) Overvalued in 2026?
Based on GuruFocus' analysis, SinoPac Financial Holdings Co stock appears to be overvalued.
The current stock price of NT$39.15 is trading 36.1% above its estimated GF Value™ of NT$28.77.
GuruFocus considers SinoPac Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for TPE:2890:
ROA %: 0.70% (near median its 10-year median of 0.68)
GF Value™: NT$28.77 vs. price of NT$39.15 (36.1% above fair value)
Industry Position: 28.6% below the Banks median (#939 of 1532)
No single metric tells the full story. See the TPE:2890 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SinoPac Financial Holdings Co Business Description
SinoPac Financial Holdings Co Ltd is a Taiwan-based financial holdings company. The company's business segments consist of the banking business, which includes Bank SinoPac and its subsidiaries, offering investment, insurance agent, insurance brokerage, and other services; the securities business, which includes SinoPac Securities and its subsidiaries, and offers securities dealings, investment consulting, asset management, and other services; and the other business segment, which conducts businesses through several other subsidiaries. The company generates its revenue from the banking business. The company has a business presence in Taiwan, the United States, Asia, and other countries, with Taiwan accounting for majority of its revenue.
80GF Score
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