AGMACAS:AGM -5.99%36 ROE % is 45.82% as of Dec. 2025, which is 1% above its 10-year median of 45.50. GuruFocus rates CAS:AGM with a GF Score™ of 36/100 and a GF Value™ of MAD7,914.10. The stock has 5 warning signs investors should review. Among 502 Insurance companies, AGMA ranks better than 96.02% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. AGMA's annualized net income for the quarter that ended in Dec. 2025 was MAD70.7 Mil. AGMA's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was MAD154.3 Mil. Therefore, AGMA's annualized ROE % for the quarter that ended in Dec. 2025 was 45.82%.
The historical rank and industry rank for AGMA's ROE % or its related term are showing as below:
CAS:AGM'
s ROE % Range Over the Past 10 Years
Min: 43.83 Med: 45.5 Max: 49.66
Current: 47.47
During the past 9 years, AGMA's highest ROE % was 49.66%. The lowest was 43.83%. And the median was 45.50%.
CAS:AGM's ROE % is ranked better than 96.02% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs CAS:AGM: 47.47
AGMA (CAS:AGM) 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.
AGMA ROE % Related Terms
AGMA ROE % Historical Data
* Premium members only.
The historical data trend for AGMA'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 - Diversified subindustry, AGMA'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.
AGMA ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, AGMA's ROE % distribution charts can be found below:
* The bar in red indicates where AGMA'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.
AGMA (CAS:AGM) has a ROE % of 45.82% 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 AGMA and its competitors. This is near median its historical median of 45.50. Over the past decade, AGMA's ROE % has ranged from 43.83 to 49.66. According to the industry distribution chart, AGMA ranks #20 out of 502 companies in the Insurance industry, placing it in the top 4%.
Is AGMA's ROE % too high?
AGMA's current ROE % of 45.82% is near median its 10-year median of 45.50. Over the past 10 years, this metric has ranged from a low of 43.83 to a high of 49.66. The Insurance industry median ROE % is 11.73. AGMA's value of 45.82% is 290.6% above this industry median. Based on the distribution chart, AGMA ranks #20 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AGMA has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does AGMA's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, AGMA ranks #20 out of 502 companies for ROE %. This places AGMA in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. AGMA's value of 45.82% is 290.6% above this benchmark. Historically, AGMA's own ROE % has ranged from 43.83 to 49.66 over the past decade. While the company's 10-year median is 45.50 vs. the industry median of 11.73, AGMA 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. AGMA's current ROE % of 45.82% is 290.6% 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 AGMA 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. AGMA's current ROE % is 45.82%, which is near median its own 10-year median of 45.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGMA stock overvalued right now?
AGMA (CAS:AGM) has a current ROE % of 45.82%. The stock's GF Value™ is MAD7,914.10, compared to a current price of MAD6,768.00 — trading 14.5% below its estimated fair value. The current ROE % is 45.82%, which is near median its 10-year median of 45.50 and 290.6% above the Insurance industry median of 11.73. AGMA's overall GF Score™ is 36/100 with 5 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 AGMA (CAS:AGM), the current ROE % is 45.82% 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 AGMA (CAS:AGM) Overvalued in 2026?
Based on GuruFocus' analysis, AGMA stock appears to be undervalued.
The current stock price of MAD6,768.00 is trading 14.5% below its estimated GF Value™ of MAD7,914.10.
Key valuation signals for CAS:AGM:
ROE %: 45.82% (near median its 10-year median of 45.50)
GF Value™: MAD7,914.10 vs. price of MAD6,768.00 (14.5% below fair value)
Industry Position: 290.6% above the Insurance median (#20 of 502)
No single metric tells the full story. See the CAS:AGM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AGMA provides insurance and reinsurance broking services. The services provided by the company include automobile, housing and property insurance, assistance, and education annuity.
36GF Score
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