The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's ROE % or its related term are showing as below:
IST:AGESA'
s ROE % Range Over the Past 10 Years
Min: 26.82 Med: 48.06 Max: 73.72
Current: 73.72
During the past 13 years, Agesa Hayat Ve Emeklilik AS's highest ROE % was 73.72%. The lowest was 26.82%. And the median was 48.06%.
IST:AGESA's ROE % is ranked better than 98.02% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs IST:AGESA: 73.72
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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 four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
* 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, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's ROE % distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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 four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a ROE % of 68.78% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is 43% above median its historical median of 48.06. Over the past decade, Agesa Hayat Ve Emeklilik AS's ROE % has ranged from 26.82 to 73.72. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #10 out of 504 companies in the Insurance industry, placing it in the top 2%.
Is Agesa Hayat Ve Emeklilik AS's ROE % too high?
Agesa Hayat Ve Emeklilik AS's current ROE % of 68.78% is 43% above median its 10-year median of 48.06. Over the past 10 years, this metric has ranged from a low of 26.82 to a high of 73.72. The Insurance industry median ROE % is 11.68. Agesa Hayat Ve Emeklilik AS's value of 68.78% is 489.1% above this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #10 out of 504 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #10 out of 504 companies for ROE %. This places Agesa Hayat Ve Emeklilik AS in the top 2% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Agesa Hayat Ve Emeklilik AS's value of 68.78% is 489.1% above this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own ROE % has ranged from 26.82 to 73.72 over the past decade. While the company's 10-year median is 48.06 vs. the industry median of 11.68, Agesa Hayat Ve Emeklilik AS 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 11.68, based on 504 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. Agesa Hayat Ve Emeklilik AS's current ROE % of 68.78% is 489.1% 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current ROE % is 68.78%, which is 43% above median its own 10-year median of 48.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺314.30, compared to a current price of ₺250.00 — trading 20.5% below its estimated fair value. The current ROE % is 68.78%, which is 43% above median its 10-year median of 48.06 and 489.1% above the Insurance industry median of 11.68. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 with 3 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current ROE % is 68.78% as of Mar. 2026. 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺250.00 is trading 20.5% below its estimated GF Value™ of ₺314.30.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
ROE %: 68.78% (43% above median its 10-year median of 48.06)
GF Value™: ₺314.30 vs. price of ₺250.00 (20.5% below fair value)
Industry Position: 489.1% above the Insurance median (#10 of 504)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
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