Republic Bank (Ghana)XGHA:RBGH 49 ROA % is 3.02% as of Dec. 2025, which is 34% above its 10-year median of 2.25. GuruFocus rates XGHA:RBGH with a GF Score™ of 49/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,532 Banks companies, Republic Bank (Ghana) ranks better than 93.86% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Republic Bank (Ghana)'s annualizedNet Income for the quarter that ended in Dec. 2025 was GHS335 Mil.
Republic Bank (Ghana)'s average Total Assets over the quarter that ended in Dec. 2025 was GHS11,084 Mil. Therefore, Republic Bank (Ghana)'s annualized ROA % for the quarter that ended in Dec. 2025 was 3.02%.
The historical rank and industry rank for Republic Bank (Ghana)'s ROA % or its related term are showing as below:
XGHA:RBGH'
s ROA % Range Over the Past 10 Years
Min: -2.74 Med: 2.25 Max: 2.72
Current: 2.72
During the past 13 years, Republic Bank (Ghana)'s highest ROA % was 2.72%. The lowest was -2.74%. And the median was 2.25%.
XGHA:RBGH's ROA % is ranked better than 93.86% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs XGHA:RBGH: 2.72
Republic Bank (Ghana) (XGHA:RBGH) 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.
For the Banks - Regional subindustry, Republic Bank (Ghana)'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.
Republic Bank (Ghana) ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s ROA % distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'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.
Republic Bank (Ghana) (XGHA:RBGH) has a ROA % of 3.02% 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 Republic Bank (Ghana) and its competitors. This is 34% above median its historical median of 2.25. According to the industry distribution chart, Republic Bank (Ghana) ranks #94 out of 1532 companies in the Banks industry, placing it in the top 6.1%.
Is Republic Bank (Ghana)'s ROA % too high?
Republic Bank (Ghana)'s current ROA % of 3.02% is 34% above median its 10-year median of 2.25. The Banks industry median ROA % is 0.98. Republic Bank (Ghana)'s value of 3.02% is 208.2% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #94 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Republic Bank (Ghana) has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s ROA % compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #94 out of 1532 companies for ROA %. This places Republic Bank (Ghana) in the top 6% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Republic Bank (Ghana)'s value of 3.02% is 208.2% above this benchmark. While the company's 10-year median is 2.25 vs. the industry median of 0.98, Republic Bank (Ghana) 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 1,532 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. Republic Bank (Ghana)'s current ROA % of 3.02% is 208.2% 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 Republic Bank (Ghana) 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. Republic Bank (Ghana)'s current ROA % is 3.02%, which is 34% above median its own 10-year median of 2.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS3.93 — trading 267.3% above its estimated fair value. The current ROA % is 3.02%, which is 34% above median its 10-year median of 2.25 and 208.2% above the Banks industry median of 0.98. Republic Bank (Ghana)'s overall GF Score™ is 49/100 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 Republic Bank (Ghana) (XGHA:RBGH), the current ROA % is 3.02% 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS3.93 is trading 267.3% above its estimated GF Value™ of GHS1.07.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
ROA %: 3.02% (34% above median its 10-year median of 2.25)
GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
Industry Position: 208.2% above the Banks median (#94 of 1532)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
49GF Score
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