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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. CTBC Financial Holding Co's annualizedNet Income for the quarter that ended in Dec. 2025 was NT$79,440 Mil.
CTBC Financial Holding Co's average Total Assets over the quarter that ended in Dec. 2025 was NT$9,181,884 Mil. Therefore, CTBC Financial Holding Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.87%.
The historical rank and industry rank for CTBC Financial Holding Co's ROA % or its related term are showing as below:
TPE:2891'
s ROA % Range Over the Past 10 Years
Min: 0.42 Med: 0.71 Max: 0.9
Current: 0.9
During the past 13 years, CTBC Financial Holding Co's highest ROA % was 0.90%. The lowest was 0.42%. And the median was 0.71%.
TPE:2891's ROA % is ranked worse than 55.94% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs TPE:2891: 0.90
CTBC Financial Holding Co (TPE:2891) 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.
* 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.
CTBC Financial Holding Co ROA % Competitor Comparison
For the Banks - Regional subindustry, CTBC Financial Holding 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.
CTBC Financial Holding Co ROA % vs Banks Industry
For the Banks industry and Financial Services sector, CTBC Financial Holding Co's ROA % distribution charts can be found below:
* The bar in red indicates where CTBC Financial Holding 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.
CTBC Financial Holding Co (TPE:2891) has a ROA % of 0.87% 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 CTBC Financial Holding Co and its competitors. This is 23% above median its historical median of 0.71. Over the past decade, CTBC Financial Holding Co's ROA % has ranged from 0.42 to 0.90. According to the industry distribution chart, CTBC Financial Holding Co ranks #857 out of 1532 companies in the Banks industry, placing it in the top 55.9%.
Is CTBC Financial Holding Co's ROA % too high?
CTBC Financial Holding Co's current ROA % of 0.87% is 23% above median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 0.90. The Banks industry median ROA % is 0.98. CTBC Financial Holding Co's value of 0.87% is 11.2% below this industry median. Based on the distribution chart, CTBC Financial Holding Co ranks #857 out of 1532 companies in the Banks industry, which is below the industry midpoint. Overall, CTBC Financial Holding Co has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTBC Financial Holding Co's ROA % compare to competitors?
According to the Banks industry distribution chart, CTBC Financial Holding Co ranks #857 out of 1532 companies for ROA %. This places CTBC Financial Holding Co in the lower half of its industry. The industry median ROA % is 0.98. CTBC Financial Holding Co's value of 0.87% is 11.2% below this benchmark. Historically, CTBC Financial Holding Co's own ROA % has ranged from 0.42 to 0.90 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 0.98, CTBC Financial Holding 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. CTBC Financial Holding Co'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 CTBC Financial Holding 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. CTBC Financial Holding Co's current ROA % is 0.87%, which is 23% above median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTBC Financial Holding Co stock overvalued right now?
Based on GuruFocus' analysis, CTBC Financial Holding Co (TPE:2891) is currently considered Modestly Overvalued. The stock's GF Value™ is NT$55.16, compared to a current price of NT$65.00 — trading 17.8% above its estimated fair value. The current ROA % is 0.87%, which is 23% above median its 10-year median of 0.71 and 11.2% below the Banks industry median of 0.98. CTBC Financial Holding Co's overall GF Score™ is 70/100 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 CTBC Financial Holding Co (TPE:2891), the current ROA % is 0.87% 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 CTBC Financial Holding Co (TPE:2891) Overvalued in 2026?
Based on GuruFocus' analysis, CTBC Financial Holding Co stock appears to be overvalued.
The current stock price of NT$65.00 is trading 17.8% above its estimated GF Value™ of NT$55.16.
GuruFocus considers CTBC Financial Holding Co to be Modestly Overvalued.
Key valuation signals for TPE:2891:
ROA %: 0.87% (23% above median its 10-year median of 0.71)
GF Value™: NT$55.16 vs. price of NT$65.00 (17.8% above fair value)
Industry Position: 11.2% below the Banks median (#857 of 1532)
No single metric tells the full story. See the TPE:2891 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CTBC Financial Holding Co Ltd is a diversified financial services holding company. Along with its subsidiaries, it operates in the following segments: Life insurance, which generates maximum revenue, Institutional banking, Retail banking, and Others. The majority of the Group's revenue is derived from its Institutional and Retail banking businesses, which include commercial banking and capital market activities, financing activities, deposit products, wealth management, credit cards, secured loans, and unsecured individual loans, etc., catering to individual and institutional clients. Geographically, the Group generates maximum revenue from its business in Taiwan, followed by Asia (excluding Taiwan), and North America.
70GF Score
Get the complete analysis for TPE:2891
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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