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Societe Generale GhanaXGHA:SOGEGH 63 ROA % is 2.04% as of Mar. 2026, which is 39% below its 10-year median of 3.36. GuruFocus rates XGHA:SOGEGH with a GF Score™ of 63/100 and a GF Value™ of GHS1.60 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,529 Banks companies, Societe Generale Ghana ranks better than 94.9% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Societe Generale Ghana's annualizedNet Income for the quarter that ended in Mar. 2026 was GHS207 Mil.
Societe Generale Ghana's average Total Assets over the quarter that ended in Mar. 2026 was GHS10,150 Mil. Therefore, Societe Generale Ghana's annualized ROA % for the quarter that ended in Mar. 2026 was 2.04%.
The historical rank and industry rank for Societe Generale Ghana's ROA % or its related term are showing as below:
XGHA:SOGEGH'
s ROA % Range Over the Past 10 Years
Min: 1.63 Med: 3.36 Max: 5.83
Current: 3.03
During the past 13 years, Societe Generale Ghana's highest ROA % was 5.83%. The lowest was 1.63%. And the median was 3.36%.
XGHA:SOGEGH's ROA % is ranked better than 94.9% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs XGHA:SOGEGH: 3.03
Societe Generale Ghana (XGHA:SOGEGH) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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, Societe Generale 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.
Societe Generale Ghana ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale Ghana's ROA % distribution charts can be found below:
* The bar in red indicates where Societe Generale 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 (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Societe Generale Ghana (XGHA:SOGEGH) has a ROA % of 2.04% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Societe Generale Ghana and its competitors. This is 39% below median its historical median of 3.36. Over the past decade, Societe Generale Ghana's ROA % has ranged from 1.63 to 5.83. According to the industry distribution chart, Societe Generale Ghana ranks #78 out of 1529 companies in the Banks industry, placing it in the top 5.1%.
Is Societe Generale Ghana's ROA % too high?
Societe Generale Ghana's current ROA % of 2.04% is 39% below median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 5.83. The Banks industry median ROA % is 0.98. Societe Generale Ghana's value of 2.04% is 108.2% above this industry median. Based on the distribution chart, Societe Generale Ghana ranks #78 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Societe Generale Ghana has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale Ghana's ROA % compare to PNC?
According to the Banks industry distribution chart, Societe Generale Ghana ranks #78 out of 1529 companies for ROA %. This places Societe Generale Ghana in the top 5% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Societe Generale Ghana's value of 2.04% is 108.2% above this benchmark. Historically, Societe Generale Ghana's own ROA % has ranged from 1.63 to 5.83 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 0.98, Societe Generale 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 1,529 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. Societe Generale Ghana's current ROA % of 2.04% is 108.2% 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 Societe Generale 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. Societe Generale Ghana's current ROA % is 2.04%, which is 39% below median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale Ghana stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale Ghana (XGHA:SOGEGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.60, compared to a current price of GHS6.80 — trading 325% above its estimated fair value. The current ROA % is 2.04%, which is 39% below median its 10-year median of 3.36 and 108.2% above the Banks industry median of 0.98. Societe Generale Ghana's overall GF Score™ is 63/100 with 2 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 Societe Generale Ghana (XGHA:SOGEGH), the current ROA % is 2.04% as of Mar. 2026. 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 Societe Generale Ghana (XGHA:SOGEGH) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale Ghana stock appears to be overvalued.
The current stock price of GHS6.80 is trading 325% above its estimated GF Value™ of GHS1.60.
GuruFocus considers Societe Generale Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SOGEGH:
ROA %: 2.04% (39% below median its 10-year median of 3.36)
GF Value™: GHS1.60 vs. price of GHS6.80 (325% above fair value)
Industry Position: 108.2% above the Banks median (#78 of 1529)
No single metric tells the full story. See the XGHA:SOGEGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Generale Ghana PLC is a financial institution that provides retail banking, corporate banking, investment banking, and other financial intermediary financial services to individuals and corporates. Its business lines include Retail Banking, Corporate Banking and Treasury. The retail banking unit serve the needs of individuals, high net worth clients, and institutional clients. Corporate banking is responsible for providing loans and other credit facilities, as well as mobilizing deposits. The Treasury unit undertakes the bank's funding activities.
63GF Score
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