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.
NLG Insurance CoXNEP:NLG +1.76%84 ROA % is 0.97% as of Apr. 2026, which is 84% below its 10-year median of 6.11. GuruFocus rates XNEP:NLG with a GF Score™ of 84/100 and a GF Value™ of NPR874.86 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, NLG Insurance Co ranks worse than 77.08% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NLG Insurance Co's annualizedNet Income for the quarter that ended in Apr. 2026 was NPR95 Mil.
NLG Insurance Co's average Total Assets over the quarter that ended in Apr. 2026 was NPR9,838 Mil. Therefore, NLG Insurance Co's annualized ROA % for the quarter that ended in Apr. 2026 was 0.97%.
The historical rank and industry rank for NLG Insurance Co's ROA % or its related term are showing as below:
XNEP:NLG'
s ROA % Range Over the Past 10 Years
Min: 0.76 Med: 6.11 Max: 9.57
Current: 0.76
During the past 13 years, NLG Insurance Co's highest ROA % was 9.57%. The lowest was 0.76%. And the median was 6.11%.
XNEP:NLG's ROA % is ranked worse than 77.08% of 506
companies
in the Insurance industry
Industry Median: 2.755
vs XNEP:NLG: 0.76
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 (Apr. 2026) net income data. The Revenue data used here is four times the quarterly (Apr. 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.
NLG Insurance Co ROA % Related Terms
NLG Insurance Co ROA % Historical Data
* Premium members only.
The historical data trend for NLG Insurance Co'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 - Diversified subindustry, NLG Insurance Co'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.
NLG Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, NLG Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where NLG Insurance Co'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 (Apr. 2026) net income data.
ROA % is displayed in the 30-year financial page.
NLG Insurance Co (XNEP:NLG) has a ROA % of 0.97% as of Apr. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on NLG Insurance Co and its competitors. This is 84% below median its historical median of 6.11. Over the past decade, NLG Insurance Co's ROA % has ranged from 0.76 to 9.57. According to the industry distribution chart, NLG Insurance Co ranks #390 out of 506 companies in the Insurance industry, placing it in the top 77.1%.
Is NLG Insurance Co's ROA % too high?
NLG Insurance Co's current ROA % of 0.97% is 84% below median its 10-year median of 6.11. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 9.57. The Insurance industry median ROA % is 2.76. NLG Insurance Co's value of 0.97% is 64.8% below this industry median. Based on the distribution chart, NLG Insurance Co ranks #390 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NLG Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NLG Insurance Co's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NLG Insurance Co ranks #390 out of 506 companies for ROA %. This places NLG Insurance Co in the lower half of its industry. The industry median ROA % is 2.76. NLG Insurance Co's value of 0.97% is 64.8% below this benchmark. Historically, NLG Insurance Co's own ROA % has ranged from 0.76 to 9.57 over the past decade. While the company's 10-year median is 6.11 vs. the industry median of 2.76, NLG Insurance Co 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 2.76, based on 506 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. NLG Insurance Co's current ROA % of 0.97% is 64.8% 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 NLG Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLG Insurance Co's current ROA % is 0.97%, which is 84% below median its own 10-year median of 6.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLG Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, NLG Insurance Co (XNEP:NLG) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR874.86, compared to a current price of NPR585.00 — trading 33.1% below its estimated fair value. The current ROA % is 0.97%, which is 84% below median its 10-year median of 6.11 and 64.8% below the Insurance industry median of 2.76. NLG Insurance Co's overall GF Score™ is 84/100 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 NLG Insurance Co (XNEP:NLG), the current ROA % is 0.97% as of Apr. 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 NLG Insurance Co (XNEP:NLG) Overvalued in 2026?
Based on GuruFocus' analysis, NLG Insurance Co stock appears to be undervalued.
The current stock price of NPR585.00 is trading 33.1% below its estimated GF Value™ of NPR874.86.
GuruFocus considers NLG Insurance Co to be Significantly Undervalued.
Key valuation signals for XNEP:NLG:
ROA %: 0.97% (84% below median its 10-year median of 6.11)
GF Value™: NPR874.86 vs. price of NPR585.00 (33.1% below fair value)
Industry Position: 64.8% below the Insurance median (#390 of 506)
No single metric tells the full story. See the XNEP:NLG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NLG Insurance Co Ltd is a composite insurance company. It provides non-life insurance products. The company's offerings include Motor, Property, Engineering, Marine, Aviation, Agriculture, and Miscellaneous Insurance.
84GF Score
Get the complete analysis for XNEP:NLG
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
XNEP:NLG has been successfully added to your 
