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Latitude Group HoldingsASX:LFS +1.12%21 Return-on-Tangible-Asset is 1.50% as of Dec. 2025, which is 178% above its 10-year median of 0.54. GuruFocus rates ASX:LFS with a GF Score™ of 21/100. The stock has 1 warning sign investors should review. Among 546 Credit Services companies, Latitude Group Holdings ranks worse than 58.06% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Latitude Group Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was A$109.6 Mil. Latitude Group Holdings's average total tangible assets for the quarter that ended in Dec. 2025 was A$7,290.5 Mil. Therefore, Latitude Group Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.50%.
The historical rank and industry rank for Latitude Group Holdings's Return-on-Tangible-Asset or its related term are showing as below:
ASX:LFS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.34 Med: 0.54 Max: 2.32
Current: 1.3
During the past 6 years, Latitude Group Holdings's highest Return-on-Tangible-Asset was 2.32%. The lowest was -2.34%. And the median was 0.54%.
ASX:LFS's Return-on-Tangible-Asset is ranked worse than 58.06% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs ASX:LFS: 1.30
Latitude Group Holdings (ASX:LFS) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset 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 Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Latitude Group Holdings Return-on-Tangible-Asset Related Terms
Latitude Group Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Latitude Group Holdings's Return-on-Tangible-Asset 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.
Latitude Group Holdings Return-on-Tangible-Asset Chart
ASX:LFS vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Latitude Group Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Latitude Group Holdings Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Latitude Group Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Latitude Group Holdings's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets 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.
What does a Return-on-Tangible-Asset of 1.50% mean?
Latitude Group Holdings (ASX:LFS) has a Return-on-Tangible-Asset of 1.50% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Latitude Group Holdings and its competitors. This is 178% above median its historical median of 0.54. According to the industry distribution chart, Latitude Group Holdings ranks #317 out of 546 companies in the Credit Services industry, placing it in the top 58.1%.
Is Latitude Group Holdings' Return-on-Tangible-Asset too high?
Latitude Group Holdings' current Return-on-Tangible-Asset of 1.50% is 178% above median its 10-year median of 0.54. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Latitude Group Holdings' value of 1.50% is 22.3% below this industry median. Based on the distribution chart, Latitude Group Holdings ranks #317 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, Latitude Group Holdings has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Latitude Group Holdings' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Latitude Group Holdings ranks #317 out of 546 companies for Return-on-Tangible-Asset. This places Latitude Group Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. Latitude Group Holdings' value of 1.50% is 22.3% below this benchmark. While the company's 10-year median is 0.54 vs. the industry median of 1.93, Latitude Group Holdings 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Latitude Group Holdings's current Return-on-Tangible-Asset of 1.50% is 22.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Latitude Group Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Latitude Group Holdings's current Return-on-Tangible-Asset is 1.50%, which is 178% above median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Latitude Group Holdings stock overvalued right now?
Latitude Group Holdings (ASX:LFS) has a current Return-on-Tangible-Asset of 1.50%. The current Return-on-Tangible-Asset is 1.50%, which is 178% above median its 10-year median of 0.54 and 22.3% below the Credit Services industry median of 1.93. Latitude Group Holdings' overall GF Score™ is 21/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Latitude Group Holdings (ASX:LFS), the current Return-on-Tangible-Asset is 1.50% 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.
Latitude Group Holdings Ltd is engaged in the instalments and lending business. Its segments include Australia and New Zealand Pay (A&NZ Pay), Australia and New Zealand Money (A&NZ Money), and Other. The A&NZ Pay segment provides sales finance and credit cards. The A&NZ Money segment offers personal loans and motor loans. The Other segment includes other business activities. It provides payment and finance solutions to merchants and their customers. Customers are provided choice and flexibility, ranging from small everyday purchases to monthly or flexible payment plans for bigger purchases and travel credit cards. These services are offered in Australia, New Zealand, and Asia.
21GF Score
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