Global United InsuranceXPAE:GUI -4.43%45 ROA % is 3.15% as of Mar. 2026, which is 3% below its 10-year median of 3.26. GuruFocus rates XPAE:GUI with a GF Score™ of 45/100 and a GF Value™ of $1.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 508 Insurance companies, Global United Insurance ranks better than 59.84% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Global United Insurance's annualizedNet Income for the quarter that ended in Mar. 2026 was $1.60 Mil.
Global United Insurance's average Total Assets over the quarter that ended in Mar. 2026 was $50.87 Mil. Therefore, Global United Insurance's annualized ROA % for the quarter that ended in Mar. 2026 was 3.15%.
The historical rank and industry rank for Global United Insurance's ROA % or its related term are showing as below:
XPAE:GUI'
s ROA % Range Over the Past 10 Years
Min: 1.34 Med: 3.26 Max: 5.12
Current: 3.45
During the past 13 years, Global United Insurance's highest ROA % was 5.12%. The lowest was 1.34%. And the median was 3.26%.
XPAE:GUI's ROA % is ranked better than 59.84% of 508
companies
in the Insurance industry
Industry Median: 2.7
vs XPAE:GUI: 3.45
Global United Insurance (XPAE:GUI) 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 Insurance - Diversified subindustry, Global United Insurance'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.
Global United Insurance ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Global United Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where Global United Insurance'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.
Global United Insurance (XPAE:GUI) has a ROA % of 3.15% 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 Global United Insurance and its competitors. This is near median its historical median of 3.26. Over the past decade, Global United Insurance's ROA % has ranged from 1.34 to 5.12. According to the industry distribution chart, Global United Insurance ranks #204 out of 508 companies in the Insurance industry, placing it in the top 40.2%.
Is Global United Insurance's ROA % too high?
Global United Insurance's current ROA % of 3.15% is near median its 10-year median of 3.26. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 5.12. The Insurance industry median ROA % is 2.70. Global United Insurance's value of 3.15% is 16.7% above this industry median. Based on the distribution chart, Global United Insurance ranks #204 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, Global United Insurance has a GF Score™ of 45/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Global United Insurance's ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Global United Insurance ranks #204 out of 508 companies for ROA %. This puts Global United Insurance in the upper half of its industry. The industry median ROA % is 2.70. Global United Insurance's value of 3.15% is 16.7% above this benchmark. Historically, Global United Insurance's own ROA % has ranged from 1.34 to 5.12 over the past decade. While the company's 10-year median is 3.26 vs. the industry median of 2.70, Global United Insurance 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 2.70, based on 508 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. Global United Insurance's current ROA % of 3.15% is 16.7% 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 Global United Insurance and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global United Insurance's current ROA % is 3.15%, which is near median its own 10-year median of 3.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global United Insurance stock overvalued right now?
Based on GuruFocus' analysis, Global United Insurance (XPAE:GUI) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.69, compared to a current price of $1.51 — trading 10.7% below its estimated fair value. The current ROA % is 3.15%, which is near median its 10-year median of 3.26 and 16.7% above the Insurance industry median of 2.70. Global United Insurance's overall GF Score™ is 45/100 with 3 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 Global United Insurance (XPAE:GUI), the current ROA % is 3.15% 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 Global United Insurance (XPAE:GUI) Overvalued in 2026?
Based on GuruFocus' analysis, Global United Insurance stock appears to be undervalued.
The current stock price of $1.51 is trading 10.7% below its estimated GF Value™ of $1.69.
GuruFocus considers Global United Insurance to be Modestly Undervalued.
Key valuation signals for XPAE:GUI:
ROA %: 3.15% (near median its 10-year median of 3.26)
GF Value™: $1.69 vs. price of $1.51 (10.7% below fair value)
Industry Position: 16.7% above the Insurance median (#204 of 508)
No single metric tells the full story. See the XPAE:GUI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global United Insurance is engaged in insurance, reinsurance, insurance, and compensation business. It offers personal accident insurance, fire insurance, marine insurance, Life Insurance, Motor insurance, engineering insurance, and Other general insurance, and the majority of the revenue comes from Motor Insurance.
45GF Score
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