AIA GroupAAGIY -3.19%61 ROE % is 17.67% as of Dec. 2025, which is 43% above its 10-year median of 12.33. GuruFocus rates AAGIY with a GF Score™ of 61/100 and a GF Value™ of $37.56 (Fairly Valued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, AIA Group ranks better than 64.54% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. AIA Group's annualized net income for the quarter that ended in Dec. 2025 was $7,400 Mil. AIA Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $41,877 Mil. Therefore, AIA Group's annualized ROE % for the quarter that ended in Dec. 2025 was 17.67%.
The historical rank and industry rank for AIA Group's ROE % or its related term are showing as below:
AAGIY'
s ROE % Range Over the Past 10 Years
Min: 6.33 Med: 12.33 Max: 16.72
Current: 15.07
During the past 13 years, AIA Group's highest ROE % was 16.72%. The lowest was 6.33%. And the median was 12.33%.
AAGIY's ROE % is ranked better than 64.54% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs AAGIY: 15.07
AIA Group (OTCPK:AAGIY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
AIA Group ROE % Related Terms
AIA Group ROE % Historical Data
* Premium members only.
The historical data trend for AIA Group's ROE % 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 - Life subindustry, AIA Group's ROE %, along with its competitors' market caps and ROE % 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.
AIA Group ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's ROE % distribution charts can be found below:
* The bar in red indicates where AIA Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
AIA Group (AAGIY) has a ROE % of 17.67% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AIA Group and its competitors. This is 43% above median its historical median of 12.33. Over the past decade, AIA Group's ROE % has ranged from 6.33 to 16.72. According to the industry distribution chart, AIA Group ranks #178 out of 502 companies in the Insurance industry, placing it in the top 35.5%.
Is AIA Group's ROE % too high?
AIA Group's current ROE % of 17.67% is 43% above median its 10-year median of 12.33. Over the past 10 years, this metric has ranged from a low of 6.33 to a high of 16.72. The Insurance industry median ROE % is 11.73. AIA Group's value of 17.67% is 50.6% above this industry median. Based on the distribution chart, AIA Group ranks #178 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #178 out of 502 companies for ROE %. This puts AIA Group in the upper half of its industry. The industry median ROE % is 11.73. AIA Group's value of 17.67% is 50.6% above this benchmark. Historically, AIA Group's own ROE % has ranged from 6.33 to 16.72 over the past decade. While the company's 10-year median is 12.33 vs. the industry median of 11.73, AIA Group 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current ROE % of 17.67% is 50.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AIA Group and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current ROE % is 17.67%, which is 43% above median its own 10-year median of 12.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAGIY) is currently considered Fairly Valued. The stock's GF Value™ is $37.56, compared to a current price of $36.39 — trading 3.1% below its estimated fair value. The current ROE % is 17.67%, which is 43% above median its 10-year median of 12.33 and 50.6% above the Insurance industry median of 11.73. AIA Group's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For AIA Group (AAGIY), the current ROE % is 17.67% 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 AIA Group (AAGIY) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $36.39 is trading 3.1% below its estimated GF Value™ of $37.56.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAGIY:
ROE %: 17.67% (43% above median its 10-year median of 12.33)
GF Value™: $37.56 vs. price of $36.39 (3.1% below fair value)
Industry Position: 50.6% above the Insurance median (#178 of 502)
No single metric tells the full story. See the AAGIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score
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