ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Vaudoise Assurances Holding's annualizedNet Income for the quarter that ended in Dec. 2025 was $181 Mil.
Vaudoise Assurances Holding's average Total Assets over the quarter that ended in Dec. 2025 was $11,205 Mil. Therefore, Vaudoise Assurances Holding's annualized ROA % for the quarter that ended in Dec. 2025 was 1.62%.
The historical rank and industry rank for Vaudoise Assurances Holding's ROA % or its related term are showing as below:
VDASF'
s ROA % Range Over the Past 10 Years
Min: 1.47 Med: 1.55 Max: 1.74
Current: 1.74
During the past 13 years, Vaudoise Assurances Holding's highest ROA % was 1.74%. The lowest was 1.47%. And the median was 1.55%.
VDASF's ROA % is ranked worse than 62.08% of 509
companies
in the Insurance industry
Industry Median: 2.67
vs VDASF: 1.74
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.
* 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, Vaudoise Assurances Holding'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.
Vaudoise Assurances Holding ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Vaudoise Assurances Holding's ROA % distribution charts can be found below:
* The bar in red indicates where Vaudoise Assurances Holding'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.
Vaudoise Assurances Holding (VDASF) has a ROA % of 1.62% 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 Vaudoise Assurances Holding and its competitors. This is near median its historical median of 1.55. Over the past decade, Vaudoise Assurances Holding's ROA % has ranged from 1.47 to 1.74. According to the industry distribution chart, Vaudoise Assurances Holding ranks #316 out of 509 companies in the Insurance industry, placing it in the top 62.1%.
Is Vaudoise Assurances Holding's ROA % too high?
Vaudoise Assurances Holding's current ROA % of 1.62% is near median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.47 to a high of 1.74. The Insurance industry median ROA % is 2.67. Vaudoise Assurances Holding's value of 1.62% is 39.3% below this industry median. Based on the distribution chart, Vaudoise Assurances Holding ranks #316 out of 509 companies in the Insurance industry, which is below the industry midpoint. Overall, Vaudoise Assurances Holding has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Vaudoise Assurances Holding's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vaudoise Assurances Holding ranks #316 out of 509 companies for ROA %. This places Vaudoise Assurances Holding in the lower half of its industry. The industry median ROA % is 2.67. Vaudoise Assurances Holding's value of 1.62% is 39.3% below this benchmark. Historically, Vaudoise Assurances Holding's own ROA % has ranged from 1.47 to 1.74 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 2.67, Vaudoise Assurances Holding 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 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. Vaudoise Assurances Holding's current ROA % of 1.62% is 39.3% 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 Vaudoise Assurances Holding 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. Vaudoise Assurances Holding's current ROA % is 1.62%, which is near median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vaudoise Assurances Holding stock overvalued right now?
Vaudoise Assurances Holding (VDASF) has a current ROA % of 1.62%. The stock's GF Value™ is $318.25, compared to a current price of $477.00 — trading 49.9% above its estimated fair value. The current ROA % is 1.62%, which is near median its 10-year median of 1.55 and 39.3% below the Insurance industry median of 2.67. Vaudoise Assurances Holding's overall GF Score™ is 54/100 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 Vaudoise Assurances Holding (VDASF), the current ROA % is 1.62% 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 Vaudoise Assurances Holding (VDASF) Overvalued in 2026?
Based on GuruFocus' analysis, Vaudoise Assurances Holding stock appears to be overvalued.
The current stock price of $477.00 is trading 49.9% above its estimated GF Value™ of $318.25.
Key valuation signals for VDASF:
ROA %: 1.62% (near median its 10-year median of 1.55)
GF Value™: $318.25 vs. price of $477.00 (49.9% above fair value)
Industry Position: 39.3% below the Insurance median (#316 of 509)
No single metric tells the full story. See the VDASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vaudoise Assurances Holding SA is a Swiss-based company engaged in the provision of life and non-life insurance services. The company, together with its subsidiaries, offers health, accident, fire, and third-party, as well as motor and transport insurance products, among others. It mainly serves individuals, small and medium-scale businesses, and the public sector. The group's operating segments are: Non-life domain, Life domain, and Other activities. Maximum revenue is generated from its Non-life insurance products. Geographically, the majority of the group's revenue is generated from Switzerland, and the rest from Liechtenstein.
54GF Score
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