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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Zurich Chile SegurosGenerales's annualizedNet Income for the quarter that ended in Dec. 2025 was CLP3,124 Mil.
Zurich Chile SegurosGenerales's average Total Assets over the quarter that ended in Dec. 2025 was CLP342,232 Mil. Therefore, Zurich Chile SegurosGenerales's annualized ROA % for the quarter that ended in Dec. 2025 was 0.91%.
The historical rank and industry rank for Zurich Chile SegurosGenerales's ROA % or its related term are showing as below:
XSGO:CONSOGRAL'
s ROA % Range Over the Past 10 Years
Min: -2.63 Med: 1.36 Max: 3.24
Current: 0.91
During the past 13 years, Zurich Chile SegurosGenerales's highest ROA % was 3.24%. The lowest was -2.63%. And the median was 1.36%.
XSGO:CONSOGRAL's ROA % is ranked worse than 74.36% of 507
companies
in the Insurance industry
Industry Median: 2.6
vs XSGO:CONSOGRAL: 0.91
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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (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.
Zurich Chile SegurosGenerales ROA % Related Terms
Zurich Chile SegurosGenerales 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 - Property & Casualty subindustry, Zurich Chile SegurosGenerales'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.
Zurich Chile SegurosGenerales ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Chile SegurosGenerales's ROA % distribution charts can be found below:
* The bar in red indicates where Zurich Chile SegurosGenerales'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) has a ROA % of 0.91% 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 Zurich Chile SegurosGenerales and its competitors. This is 33% below median its historical median of 1.36. According to the industry distribution chart, Zurich Chile SegurosGenerales ranks #377 out of 507 companies in the Insurance industry, placing it in the top 74.4%.
Is Zurich Chile SegurosGenerales' ROA % too high?
Zurich Chile SegurosGenerales' current ROA % of 0.91% is 33% below median its 10-year median of 1.36. The Insurance industry median ROA % is 2.60. Zurich Chile SegurosGenerales' value of 0.91% is 65% below this industry median. Based on the distribution chart, Zurich Chile SegurosGenerales ranks #377 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Chile SegurosGenerales has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Chile SegurosGenerales' ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Zurich Chile SegurosGenerales ranks #377 out of 507 companies for ROA %. This places Zurich Chile SegurosGenerales in the lower half of its industry. The industry median ROA % is 2.60. Zurich Chile SegurosGenerales' value of 0.91% is 65% below this benchmark. While the company's 10-year median is 1.36 vs. the industry median of 2.60, Zurich Chile SegurosGenerales 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. Zurich Chile SegurosGenerales's current ROA % of 0.91% is 65% 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 Zurich Chile SegurosGenerales 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. Zurich Chile SegurosGenerales's current ROA % is 0.91%, which is 33% below median its own 10-year median of 1.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zurich Chile SegurosGenerales stock overvalued right now?
Based on GuruFocus' analysis, Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) is currently considered Fairly Valued. The stock's GF Value™ is CLP436.48, compared to a current price of CLP430.00 — trading 1.5% below its estimated fair value. The current ROA % is 0.91%, which is 33% below median its 10-year median of 1.36 and 65% below the Insurance industry median of 2.60. Zurich Chile SegurosGenerales' overall GF Score™ is 57/100 with 7 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 Zurich Chile SegurosGenerales (XSGO:CONSOGRAL), the current ROA % is 0.91% 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 Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Chile SegurosGenerales stock appears to be undervalued.
The current stock price of CLP430.00 is trading 1.5% below its estimated GF Value™ of CLP436.48.
GuruFocus considers Zurich Chile SegurosGenerales to be Fairly Valued.
Key valuation signals for XSGO:CONSOGRAL:
ROA %: 0.91% (33% below median its 10-year median of 1.36)
GF Value™: CLP436.48 vs. price of CLP430.00 (1.5% below fair value)
Industry Position: 65% below the Insurance median (#377 of 507)
No single metric tells the full story. See the XSGO:CONSOGRAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zurich Chile SegurosGenerales Business Description
Zurich Chile SegurosGenerales SA is engaged in the business of insurance and reinsurance operations. The company provides auto insurance, life and health insurance, life insurance with savings, insurance for business and SME's, and savings and investments.
57GF Score
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