Societe Tunisienne de ReassuranceXTUN:TRE 85 ROA % is 2.20% as of Dec. 2024, which is 1% above its 10-year median of 2.17. GuruFocus rates XTUN:TRE with a GF Score™ of 85/100 and a GF Value™ of TND9.27 (Significantly Overvalued). Among 506 Insurance companies, Societe Tunisienne de Reassurance ranks worse than 55.53% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Societe Tunisienne de Reassurance's annualizedNet Income for the quarter that ended in Dec. 2024 was TND21.4 Mil.
Societe Tunisienne de Reassurance's average Total Assets over the quarter that ended in Dec. 2024 was TND974.9 Mil. Therefore, Societe Tunisienne de Reassurance's annualized ROA % for the quarter that ended in Dec. 2024 was 2.20%.
XTUN:TRE'
s ROA % Range Over the Past 10 Years
Min: 1.47 Med: 2.17 Max: 3.11
Current: 2.2
During the past 13 years, Societe Tunisienne de Reassurance's highest ROA % was 3.11%. The lowest was 1.47%. And the median was 2.17%.
XTUN:TRE's ROA % is ranked worse than 55.53% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs XTUN:TRE: 2.20
Societe Tunisienne de Reassurance (XTUN:TRE) 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 one times the annual (Dec. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) 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.
Societe Tunisienne de Reassurance ROA % Related Terms
Societe Tunisienne de Reassurance 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 - Reinsurance subindustry, Societe Tunisienne de Reassurance'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.
Societe Tunisienne de Reassurance ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Societe Tunisienne de Reassurance's ROA % distribution charts can be found below:
* The bar in red indicates where Societe Tunisienne de Reassurance'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. 2024) net income data.
ROA % is displayed in the 30-year financial page.
Societe Tunisienne de Reassurance (XTUN:TRE) has a ROA % of 2.20% as of Dec. 2024. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Societe Tunisienne de Reassurance and its competitors. This is near median its historical median of 2.17. Over the past decade, Societe Tunisienne de Reassurance's ROA % has ranged from 1.47 to 3.11. According to the industry distribution chart, Societe Tunisienne de Reassurance ranks #281 out of 506 companies in the Insurance industry, placing it in the top 55.5%.
Is Societe Tunisienne de Reassurance's ROA % too high?
Societe Tunisienne de Reassurance's current ROA % of 2.20% is near median its 10-year median of 2.17. Over the past 10 years, this metric has ranged from a low of 1.47 to a high of 3.11. The Insurance industry median ROA % is 2.70. Societe Tunisienne de Reassurance's value of 2.20% is 18.5% below this industry median. Based on the distribution chart, Societe Tunisienne de Reassurance ranks #281 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Societe Tunisienne de Reassurance has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Tunisienne de Reassurance's ROA % compare to RGA and EG?
According to the Insurance industry distribution chart, Societe Tunisienne de Reassurance ranks #281 out of 506 companies for ROA %. This places Societe Tunisienne de Reassurance in the lower half of its industry. The industry median ROA % is 2.70. Societe Tunisienne de Reassurance's value of 2.20% is 18.5% below this benchmark. Historically, Societe Tunisienne de Reassurance's own ROA % has ranged from 1.47 to 3.11 over the past decade. While the company's 10-year median is 2.17 vs. the industry median of 2.70, Societe Tunisienne de Reassurance 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 2.70, 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. Societe Tunisienne de Reassurance's current ROA % of 2.20% is 18.5% 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 Societe Tunisienne de Reassurance 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. Societe Tunisienne de Reassurance's current ROA % is 2.20%, which is near median its own 10-year median of 2.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Tunisienne de Reassurance stock overvalued right now?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance (XTUN:TRE) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.27, compared to a current price of TND12.80 — trading 38.1% above its estimated fair value. The current ROA % is 2.20%, which is near median its 10-year median of 2.17 and 18.5% below the Insurance industry median of 2.70. Societe Tunisienne de Reassurance's overall GF Score™ is 85/100. 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 Societe Tunisienne de Reassurance (XTUN:TRE), the current ROA % is 2.20% as of Dec. 2024. 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 Societe Tunisienne de Reassurance (XTUN:TRE) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Tunisienne de Reassurance stock appears to be overvalued.
The current stock price of TND12.80 is trading 38.1% above its estimated GF Value™ of TND9.27.
GuruFocus considers Societe Tunisienne de Reassurance to be Significantly Overvalued.
Key valuation signals for XTUN:TRE:
ROA %: 2.20% (near median its 10-year median of 2.17)
GF Value™: TND9.27 vs. price of TND12.80 (38.1% above fair value)
Industry Position: 18.5% below the Insurance median (#281 of 506)
No single metric tells the full story. See the XTUN:TRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Tunisienne de Reassurance Business Description
Societe Tunisienne de Reassurance SA is engaged in the provision of the insurance services. The company offers various insurance products such as Fire, Miscellaneous and Technical Risks, engineering, Agricultural Risks, Marine & Energy, civil liability, accidents, civil and life insurances. In addition, it also provides transport corps, transportation faculties, energy and aviation insurance.
85GF Score
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