ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. AMS Osiguranje a.d's annualizedNet Income for the quarter that ended in Dec. 2025 was RSD388 Mil.
AMS Osiguranje a.d's average Total Assets over the quarter that ended in Dec. 2025 was RSD13,533 Mil. Therefore, AMS Osiguranje a.d's annualized ROA % for the quarter that ended in Dec. 2025 was 2.86%.
The historical rank and industry rank for AMS Osiguranje a.d's ROA % or its related term are showing as below:
XBEL:AMSO'
s ROA % Range Over the Past 10 Years
Min: 1.64 Med: 2.41 Max: 2.87
Current: 2.42
During the past 13 years, AMS Osiguranje a.d's highest ROA % was 2.87%. The lowest was 1.64%. And the median was 2.41%.
XBEL:AMSO's ROA % is not ranked
in the Insurance industry.
Industry Median: 2.655
vs XBEL:AMSO: 2.42
AMS Osiguranje a.d (XBEL:AMSO) 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.
AMS Osiguranje a.d ROA % Related Terms
AMS Osiguranje a.d ROA % Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d'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 - Property & Casualty subindustry, AMS Osiguranje a.d'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.
AMS Osiguranje a.d ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's ROA % distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d'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.
AMS Osiguranje a.d (XBEL:AMSO) has a ROA % of 2.86% 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 AMS Osiguranje a.d and its competitors. This is 19% above median its historical median of 2.41. Over the past decade, AMS Osiguranje a.d's ROA % has ranged from 1.64 to 2.87.
Is AMS Osiguranje a.d's ROA % too high?
AMS Osiguranje a.d's current ROA % of 2.86% is 19% above median its 10-year median of 2.41. Over the past 10 years, this metric has ranged from a low of 1.64 to a high of 2.87. The Insurance industry median ROA % is 2.66. AMS Osiguranje a.d's value of 2.86% is 7.7% above this industry median. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's ROA % compare to CB and PGR?
AMS Osiguranje a.d's ROA % of 2.86% can be compared against companies in the Insurance industry. The industry median ROA % is 2.66. AMS Osiguranje a.d's value of 2.86% is 7.7% above this benchmark. Historically, AMS Osiguranje a.d's own ROA % has ranged from 1.64 to 2.87 over the past decade. While the company's 10-year median is 2.41 vs. the industry median of 2.66, AMS Osiguranje a.d 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 2.66, based on 508 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. AMS Osiguranje a.d's current ROA % of 2.86% is 7.7% 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 AMS Osiguranje a.d and its competitors. For the Insurance industry, the median ROA % is 2.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current ROA % is 2.86%, which is 19% above median its own 10-year median of 2.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current ROA % of 2.86%. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current ROA % is 2.86%, which is 19% above median its 10-year median of 2.41 and 7.7% above the Insurance industry median of 2.66. AMS Osiguranje a.d's overall GF Score™ is 30/100 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 AMS Osiguranje a.d (XBEL:AMSO), the current ROA % is 2.86% 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?
Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued.
The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.
Key valuation signals for XBEL:AMSO:
ROA %: 2.86% (19% above median its 10-year median of 2.41)
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
Industry Position: 7.7% above the Insurance median
No single metric tells the full story. See the XBEL:AMSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score
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