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Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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.
Allianz-Slovenska Poistovna AS ROE % Related Terms
Allianz-Slovenska Poistovna AS ROE % 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.
XBRA:1SLP401E vs BRK.A, AIG, HIG: ROE % Comparison
For the Insurance - Diversified subindustry, Allianz-Slovenska Poistovna 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.
Allianz-Slovenska Poistovna AS ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz-Slovenska Poistovna AS's ROE % distribution charts can be found below:
* The bar in red indicates where Allianz-Slovenska Poistovna 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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) has a ROE % of 24.66% 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 Allianz-Slovenska Poistovna AS and its competitors. This is near median its historical median of 25.90. Over the past decade, Allianz-Slovenska Poistovna AS's ROE % has ranged from 20.89 to 31.48. According to the industry distribution chart, Allianz-Slovenska Poistovna AS ranks #66 out of 499 companies in the Insurance industry, placing it in the top 13.2%.
Is Allianz-Slovenska Poistovna AS's ROE % too high?
Allianz-Slovenska Poistovna AS's current ROE % of 24.66% is near median its 10-year median of 25.90. Over the past 10 years, this metric has ranged from a low of 20.89 to a high of 31.48. The Insurance industry median ROE % is 12.10. Allianz-Slovenska Poistovna AS's value of 24.66% is 103.8% above this industry median. Based on the distribution chart, Allianz-Slovenska Poistovna AS ranks #66 out of 499 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz-Slovenska Poistovna AS has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Allianz-Slovenska Poistovna AS's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Allianz-Slovenska Poistovna AS ranks #66 out of 499 companies for ROE %. This places Allianz-Slovenska Poistovna AS in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 12.10. Allianz-Slovenska Poistovna AS's value of 24.66% is 103.8% above this benchmark. Historically, Allianz-Slovenska Poistovna AS's own ROE % has ranged from 20.89 to 31.48 over the past decade. While the company's 10-year median is 25.90 vs. the industry median of 12.10, Allianz-Slovenska Poistovna 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 12.10, based on 499 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. Allianz-Slovenska Poistovna AS's current ROE % of 24.66% is 103.8% 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 Allianz-Slovenska Poistovna AS and its competitors. For the Insurance industry, the median ROE % is 12.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz-Slovenska Poistovna AS's current ROE % is 24.66%, which is near median its own 10-year median of 25.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz-Slovenska Poistovna AS stock overvalued right now?
Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) has a current ROE % of 24.66%. The stock's GF Value™ is €317.59, compared to a current price of €330.00 — trading 3.9% above its estimated fair value. The current ROE % is 24.66%, which is near median its 10-year median of 25.90 and 103.8% above the Insurance industry median of 12.10. Allianz-Slovenska Poistovna AS's overall GF Score™ is 39/100 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 Allianz-Slovenska Poistovna AS (XBRA:1SLP401E), the current ROE % is 24.66% 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 Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz-Slovenska Poistovna AS stock appears to be overvalued.
The current stock price of €330.00 is trading 3.9% above its estimated GF Value™ of €317.59.
Key valuation signals for XBRA:1SLP401E:
ROE %: 24.66% (near median its 10-year median of 25.90)
GF Value™: €317.59 vs. price of €330.00 (3.9% above fair value)
Industry Position: 103.8% above the Insurance median (#66 of 499)
No single metric tells the full story. See the XBRA:1SLP401E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz-Slovenska Poistovna AS is an insurance company. It offers insurance products ranging from life and accident insurance, insurance through private property and motor liability insurance to the insurance industry and entrepreneurs. The company serves small and medium size business and large companies.
39GF Score
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