Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XKLS:6139's ROA % is ranked worse than 54.64% of 507
companies
in the Insurance industry
Industry Median: 2.6
vs XKLS:6139: 2.20
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) 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.
Syarikat Takaful Malaysia Keluarga Bhd ROA % Related Terms
Syarikat Takaful Malaysia Keluarga Bhd ROA % Historical 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.
Syarikat Takaful Malaysia Keluarga Bhd ROA % Chart
Syarikat Takaful Malaysia Keluarga Bhd Annual Data
For the Insurance - Specialty subindustry, Syarikat Takaful Malaysia Keluarga Bhd'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.
Syarikat Takaful Malaysia Keluarga Bhd ROA % vs Insurance Industry
* 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.
Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) has a ROA % of 2.22% 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 Syarikat Takaful Malaysia Keluarga Bhd and its competitors. This is 13% below median its historical median of 2.54. Over the past decade, Syarikat Takaful Malaysia Keluarga Bhd's ROA % has ranged from 2.20 to 3.79. According to the industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #277 out of 507 companies in the Insurance industry, placing it in the top 54.6%.
Is Syarikat Takaful Malaysia Keluarga Bhd's ROA % too high?
Syarikat Takaful Malaysia Keluarga Bhd's current ROA % of 2.22% is 13% below median its 10-year median of 2.54. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 3.79. The Insurance industry median ROA % is 2.60. Syarikat Takaful Malaysia Keluarga Bhd's value of 2.22% is 14.6% below this industry median. Based on the distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #277 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Syarikat Takaful Malaysia Keluarga Bhd has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Syarikat Takaful Malaysia Keluarga Bhd's ROA % compare to FNF and AXS?
According to the Insurance industry distribution chart, Syarikat Takaful Malaysia Keluarga Bhd ranks #277 out of 507 companies for ROA %. This places Syarikat Takaful Malaysia Keluarga Bhd in the lower half of its industry. The industry median ROA % is 2.60. Syarikat Takaful Malaysia Keluarga Bhd's value of 2.22% is 14.6% below this benchmark. Historically, Syarikat Takaful Malaysia Keluarga Bhd's own ROA % has ranged from 2.20 to 3.79 over the past decade. While the company's 10-year median is 2.54 vs. the industry median of 2.60, Syarikat Takaful Malaysia Keluarga Bhd 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 2.60, based on 507 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. Syarikat Takaful Malaysia Keluarga Bhd's current ROA % of 2.22% is 14.6% 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 Syarikat Takaful Malaysia Keluarga Bhd and its competitors. For the Insurance industry, the median ROA % is 2.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Syarikat Takaful Malaysia Keluarga Bhd's current ROA % is 2.22%, which is 13% below median its own 10-year median of 2.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Syarikat Takaful Malaysia Keluarga Bhd stock overvalued right now?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) is currently considered Significantly Undervalued. The stock's GF Value™ is RM5.03, compared to a current price of RM3.20 — trading 36.4% below its estimated fair value. The current ROA % is 2.22%, which is 13% below median its 10-year median of 2.54 and 14.6% below the Insurance industry median of 2.60. Syarikat Takaful Malaysia Keluarga Bhd's overall GF Score™ is 79/100 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139), the current ROA % is 2.22% 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 Syarikat Takaful Malaysia Keluarga Bhd (XKLS:6139) Overvalued in 2026?
Based on GuruFocus' analysis, Syarikat Takaful Malaysia Keluarga Bhd stock appears to be undervalued.
The current stock price of RM3.20 is trading 36.4% below its estimated GF Value™ of RM5.03.
GuruFocus considers Syarikat Takaful Malaysia Keluarga Bhd to be Significantly Undervalued.
Key valuation signals for XKLS:6139:
ROA %: 2.22% (13% below median its 10-year median of 2.54)
GF Value™: RM5.03 vs. price of RM3.20 (36.4% below fair value)
Industry Position: 14.6% below the Insurance median (#277 of 507)
No single metric tells the full story. See the XKLS:6139 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Syarikat Takaful Malaysia Keluarga Bhd Business Description
Syarikat Takaful Malaysia Keluarga Bhd is a takaful insurance provider in Malaysia and Indonesia. Like insurancetakaful protects participants from loss, but unlike traditional insurance, it adheres to a business model that conforms to Islamic religious law. The company's business includes participants who pool their money into a Participant Risk Fund, which then has funds available to disburse when a participant is facing a loss. For managing the takaful fund, the company receives a service fee on participant contributions. Syarikat Takaful Malaysia manages family and general takaful businesses, which include medical, motor and home takaful. The vast majority of the company's revenue comes from customers in Malaysia.
79GF Score
Get the complete analysis for XKLS:6139
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XKLS:6139 has been successfully added to your 
