LPI Capital BhdXKLS:8621 79 ROA % is 8.15% as of Mar. 2026, which is 5% above its 10-year median of 7.79. GuruFocus rates XKLS:8621 with a GF Score™ of 79/100 and a GF Value™ of RM16.24 (Fairly Valued). The stock has 4 warning signs investors should review. Among 511 Insurance companies, LPI Capital Bhd ranks better than 87.28% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. LPI Capital Bhd's annualizedNet Income for the quarter that ended in Mar. 2026 was RM398 Mil.
LPI Capital Bhd's average Total Assets over the quarter that ended in Mar. 2026 was RM4,886 Mil. Therefore, LPI Capital Bhd's annualized ROA % for the quarter that ended in Mar. 2026 was 8.15%.
The historical rank and industry rank for LPI Capital Bhd's ROA % or its related term are showing as below:
XKLS:8621'
s ROA % Range Over the Past 10 Years
Min: 5.18 Med: 7.79 Max: 12.01
Current: 7.7
During the past 13 years, LPI Capital Bhd's highest ROA % was 12.01%. The lowest was 5.18%. And the median was 7.79%.
XKLS:8621's ROA % is ranked better than 87.28% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs XKLS:8621: 7.70
LPI Capital Bhd (XKLS:8621) 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.
LPI Capital Bhd ROA % Related Terms
LPI Capital Bhd ROA % Historical Data
* Premium members only.
The historical data trend for LPI Capital Bhd'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, LPI Capital 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.
LPI Capital Bhd ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, LPI Capital Bhd's ROA % distribution charts can be found below:
* The bar in red indicates where LPI Capital Bhd'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.
LPI Capital Bhd (XKLS:8621) has a ROA % of 8.15% 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 LPI Capital Bhd and its competitors. This is near median its historical median of 7.79. Over the past decade, LPI Capital Bhd's ROA % has ranged from 5.18 to 12.01. According to the industry distribution chart, LPI Capital Bhd ranks #65 out of 511 companies in the Insurance industry, placing it in the top 12.7%.
Is LPI Capital Bhd's ROA % too high?
LPI Capital Bhd's current ROA % of 8.15% is near median its 10-year median of 7.79. Over the past 10 years, this metric has ranged from a low of 5.18 to a high of 12.01. The Insurance industry median ROA % is 2.73. LPI Capital Bhd's value of 8.15% is 198.5% above this industry median. Based on the distribution chart, LPI Capital Bhd ranks #65 out of 511 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, LPI Capital Bhd has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LPI Capital Bhd's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, LPI Capital Bhd ranks #65 out of 511 companies for ROA %. This places LPI Capital Bhd in the top 13% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. LPI Capital Bhd's value of 8.15% is 198.5% above this benchmark. Historically, LPI Capital Bhd's own ROA % has ranged from 5.18 to 12.01 over the past decade. While the company's 10-year median is 7.79 vs. the industry median of 2.73, LPI Capital Bhd 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 2.73, based on 511 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. LPI Capital Bhd's current ROA % of 8.15% is 198.5% 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 LPI Capital Bhd and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LPI Capital Bhd's current ROA % is 8.15%, which is near median its own 10-year median of 7.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LPI Capital Bhd stock overvalued right now?
Based on GuruFocus' analysis, LPI Capital Bhd (XKLS:8621) is currently considered Fairly Valued. The stock's GF Value™ is RM16.24, compared to a current price of RM15.10 — trading 7% below its estimated fair value. The current ROA % is 8.15%, which is near median its 10-year median of 7.79 and 198.5% above the Insurance industry median of 2.73. LPI Capital Bhd's overall GF Score™ is 79/100 with 4 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 LPI Capital Bhd (XKLS:8621), the current ROA % is 8.15% 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 LPI Capital Bhd (XKLS:8621) Overvalued in 2026?
Based on GuruFocus' analysis, LPI Capital Bhd stock appears to be undervalued.
The current stock price of RM15.10 is trading 7% below its estimated GF Value™ of RM16.24.
GuruFocus considers LPI Capital Bhd to be Fairly Valued.
Key valuation signals for XKLS:8621:
ROA %: 8.15% (near median its 10-year median of 7.79)
GF Value™: RM16.24 vs. price of RM15.10 (7% below fair value)
Industry Position: 198.5% above the Insurance median (#65 of 511)
No single metric tells the full story. See the XKLS:8621 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LPI Capital Bhd is principally engaged in investment holding activities. The company comprises the following main business segments: i) General insurance - Underwriting of all classes of general insurance business, mainly carried out by Lonpac Insurance Bhd, ii) Investment holding - Investment holding operations, mainly carried out by LPI Capital Bhd. The majority of the revenue is derived from the General insurance segment. Geographically, it generates the maximum revenue from Malaysia.
79GF Score
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