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.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Trust International Insurance Co's annualizedNet Income for the quarter that ended in Dec. 2025 was $3.0 Mil.
Trust International Insurance Co's average Total Assets over the quarter that ended in Dec. 2025 was $162.7 Mil. Therefore, Trust International Insurance Co's annualized ROA % for the quarter that ended in Dec. 2025 was 1.86%.
XPAE:TRUST'
s ROA % Range Over the Past 10 Years
Min: 0.97 Med: 1.73 Max: 2.76
Current: 1.23
During the past 13 years, Trust International Insurance Co's highest ROA % was 2.76%. The lowest was 0.97%. And the median was 1.73%.
XPAE:TRUST's ROA % is not ranked
in the Insurance industry.
Industry Median: 2.62
vs XPAE:TRUST: 1.23
Trust International Insurance Co (XPAE:TRUST) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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.
Trust International Insurance Co ROA % Related Terms
Trust International Insurance Co 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.
For the Insurance - Diversified subindustry, Trust International 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.
Trust International Insurance Co ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Trust International Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Trust International 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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Trust International Insurance Co (XPAE:TRUST) has a ROA % of 1.86% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Trust International Insurance Co and its competitors. This is near median its historical median of 1.73. Over the past decade, Trust International Insurance Co's ROA % has ranged from 0.97 to 2.76.
Is Trust International Insurance Co's ROA % too high?
Trust International Insurance Co's current ROA % of 1.86% is near median its 10-year median of 1.73. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 2.76. The Insurance industry median ROA % is 2.62. Trust International Insurance Co's value of 1.86% is 29% below this industry median. Overall, Trust International Insurance Co has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Trust International Insurance Co's ROA % compare to BRK.A and AIG?
Trust International Insurance Co's ROA % of 1.86% can be compared against companies in the Insurance industry. The industry median ROA % is 2.62. Trust International Insurance Co's value of 1.86% is 29% below this benchmark. Historically, Trust International Insurance Co's own ROA % has ranged from 0.97 to 2.76 over the past decade. While the company's 10-year median is 1.73 vs. the industry median of 2.62, Trust International 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 2.62, 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. Trust International Insurance Co's current ROA % of 1.86% is 29% 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 Trust International Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trust International Insurance Co's current ROA % is 1.86%, which is near median its own 10-year median of 1.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust International Insurance Co stock overvalued right now?
Trust International Insurance Co (XPAE:TRUST) has a current ROA % of 1.86%. The stock's GF Value™ is $2.74, compared to a current price of $2.90 — trading 5.8% above its estimated fair value. The current ROA % is 1.86%, which is near median its 10-year median of 1.73 and 29% below the Insurance industry median of 2.62. Trust International Insurance Co's overall GF Score™ is 82/100 with 6 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 Trust International Insurance Co (XPAE:TRUST), the current ROA % is 1.86% as of Dec. 2025. 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 Trust International Insurance Co (XPAE:TRUST) Overvalued in 2026?
Based on GuruFocus' analysis, Trust International Insurance Co stock appears to be overvalued.
The current stock price of $2.90 is trading 5.8% above its estimated GF Value™ of $2.74.
Key valuation signals for XPAE:TRUST:
ROA %: 1.86% (near median its 10-year median of 1.73)
GF Value™: $2.74 vs. price of $2.90 (5.8% above fair value)
No single metric tells the full story. See the XPAE:TRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trust International Insurance Co Business Description
Trust International Insurance Co is involved in the business of insurance, re-insurance, and all kinds of warranty work and compensations through its operating branches and offices in Palestine.
82GF Score
Get the complete analysis for XPAE:TRUST
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
XPAE:TRUST has been successfully added to your 
