ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bank Of Africa-Benin's annualizedNet Income for the quarter that ended in Dec. 2024 was XOF73,135 Mil.
Bank Of Africa-Benin's average Total Assets over the quarter that ended in Dec. 2024 was XOF5,131,007 Mil. Therefore, Bank Of Africa-Benin's annualized ROA % for the quarter that ended in Dec. 2024 was 1.43%.
The historical rank and industry rank for Bank Of Africa-Benin's ROA % or its related term are showing as below:
XBRV:BOAB'
s ROA % Range Over the Past 10 Years
Min: 1.31 Med: 1.61 Max: 2.51
Current: 1.43
During the past 13 years, Bank Of Africa-Benin's highest ROA % was 2.51%. The lowest was 1.31%. And the median was 1.61%.
XBRV:BOAB's ROA % is ranked better than 75.42% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs XBRV:BOAB: 1.43
Bank Of Africa-Benin (XBRV:BOAB) 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 one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) 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 Banks - Regional subindustry, Bank Of Africa-Benin'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.
Bank Of Africa-Benin ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Africa-Benin's ROA % distribution charts can be found below:
* The bar in red indicates where Bank Of Africa-Benin'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 one times the annual (Dec. 2024) net income data.
ROA % is displayed in the 30-year financial page.
Bank Of Africa-Benin (XBRV:BOAB) has a ROA % of 1.43% as of Dec. 2024. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bank Of Africa-Benin and its competitors. This is 11% below median its historical median of 1.61. Over the past decade, Bank Of Africa-Benin's ROA % has ranged from 1.31 to 2.51. According to the industry distribution chart, Bank Of Africa-Benin ranks #376 out of 1530 companies in the Banks industry, placing it in the top 24.6%.
Is Bank Of Africa-Benin's ROA % too high?
Bank Of Africa-Benin's current ROA % of 1.43% is 11% below median its 10-year median of 1.61. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 2.51. The Banks industry median ROA % is 0.98. Bank Of Africa-Benin's value of 1.43% is 45.9% above this industry median. Based on the distribution chart, Bank Of Africa-Benin ranks #376 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Of Africa-Benin has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Of Africa-Benin's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Bank Of Africa-Benin ranks #376 out of 1530 companies for ROA %. This places Bank Of Africa-Benin in the top 25% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Bank Of Africa-Benin's value of 1.43% is 45.9% above this benchmark. Historically, Bank Of Africa-Benin's own ROA % has ranged from 1.31 to 2.51 over the past decade. While the company's 10-year median is 1.61 vs. the industry median of 0.98, Bank Of Africa-Benin 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 a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 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. Bank Of Africa-Benin's current ROA % of 1.43% is 45.9% 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 Bank Of Africa-Benin 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. Bank Of Africa-Benin's current ROA % is 1.43%, which is 11% below median its own 10-year median of 1.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Africa-Benin stock overvalued right now?
Based on GuruFocus' analysis, Bank Of Africa-Benin (XBRV:BOAB) is currently considered Modestly Overvalued. The stock's GF Value™ is XOF7,702.43, compared to a current price of XOF9,100.00 — trading 18.1% above its estimated fair value. The current ROA % is 1.43%, which is 11% below median its 10-year median of 1.61 and 45.9% above the Banks industry median of 0.98. Bank Of Africa-Benin's overall GF Score™ is 66/100 with 9 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 Bank Of Africa-Benin (XBRV:BOAB), the current ROA % is 1.43% as of Dec. 2024. 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 Bank Of Africa-Benin (XBRV:BOAB) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Of Africa-Benin stock appears to be overvalued.
The current stock price of XOF9,100.00 is trading 18.1% above its estimated GF Value™ of XOF7,702.43.
GuruFocus considers Bank Of Africa-Benin to be Modestly Overvalued.
Key valuation signals for XBRV:BOAB:
ROA %: 1.43% (11% below median its 10-year median of 1.61)
GF Value™: XOF7,702.43 vs. price of XOF9,100.00 (18.1% above fair value)
Industry Position: 45.9% above the Banks median (#376 of 1530)
No single metric tells the full story. See the XBRV:BOAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Of Africa-Benin SA is a Benin-based commercial bank. The bank offers products and services including savings deposits, loans, term deposits, and insurance services.
66GF Score
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