Raiz InvestASX:RZI -8.70%49 Return-on-Tangible-Asset is 35.19% as of Dec. 2025. GuruFocus rates ASX:RZI with a GF Score™ of 49/100 and a GF Value™ of A$0.65 (Modestly Undervalued). Among 2,886 Software companies, Raiz Invest ranks better than 93.1% 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. Raiz Invest's annualizedNet Income for the quarter that ended in Dec. 2025 was A$7.04 Mil. Raiz Invest's average total tangible assets for the quarter that ended in Dec. 2025 was A$20.00 Mil. Therefore, Raiz Invest's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 35.19%.
The historical rank and industry rank for Raiz Invest's Return-on-Tangible-Asset or its related term are showing as below:
ASX:RZI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -63.21 Med: -34.61 Max: 22.73
Current: 22.73
During the past 9 years, Raiz Invest's highest Return-on-Tangible-Asset was 22.73%. The lowest was -63.21%. And the median was -34.61%.
ASX:RZI's Return-on-Tangible-Asset is ranked better than 93.1% of 2886
companies
in the Software industry
Industry Median: 2.035
vs ASX:RZI: 22.73
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.
Raiz Invest Return-on-Tangible-Asset Related Terms
Raiz Invest Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Raiz Invest'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.
ASX:RZI vs MSFT, ORCL, PLTR: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, Raiz Invest'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.
Raiz Invest Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Raiz Invest's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Raiz Invest'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 35.19% mean?
Raiz Invest (ASX:RZI) has a Return-on-Tangible-Asset of 35.19% 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 Raiz Invest and its competitors. According to the industry distribution chart, Raiz Invest ranks #199 out of 2886 companies in the Software industry, placing it in the top 6.9%.
Is Raiz Invest's Return-on-Tangible-Asset too high?
Raiz Invest's current Return-on-Tangible-Asset is 35.19%. The Software industry median Return-on-Tangible-Asset is 2.04. Raiz Invest's value of 35.19% is 1629.2% above this industry median. Based on the distribution chart, Raiz Invest ranks #199 out of 2886 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Raiz Invest has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raiz Invest's Return-on-Tangible-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, Raiz Invest ranks #199 out of 2886 companies for Return-on-Tangible-Asset. This places Raiz Invest in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.04. Raiz Invest's value of 35.19% is 1629.2% above this benchmark. 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 Software company?
The median Return-on-Tangible-Asset among Software companies is 2.04, based on 2,886 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. Raiz Invest's current Return-on-Tangible-Asset of 35.19% is 1629.2% 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 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 Raiz Invest and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raiz Invest's current Return-on-Tangible-Asset is 35.19%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiz Invest stock overvalued right now?
Based on GuruFocus' analysis, Raiz Invest (ASX:RZI) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.53 — trading 19.2% below its estimated fair value. The current Return-on-Tangible-Asset is 35.19% and 1629.2% above the Software industry median of 2.04. Raiz Invest's overall GF Score™ is 49/100. 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 Raiz Invest (ASX:RZI), the current Return-on-Tangible-Asset is 35.19% 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 Raiz Invest (ASX:RZI) Overvalued in 2026?
Based on GuruFocus' analysis, Raiz Invest stock appears to be undervalued.
The current stock price of A$0.53 is trading 19.2% below its estimated GF Value™ of A$0.65.
GuruFocus considers Raiz Invest to be Modestly Undervalued.
Key valuation signals for ASX:RZI:
Return-on-Tangible-Asset: 35.19%
GF Value™: A$0.65 vs. price of A$0.53 (19.2% below fair value)
Industry Position: 1629.2% above the Software median (#199 of 2886)
No single metric tells the full story. See the ASX:RZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiz Invest Ltd provides financial services and products through its mobile-first micro-investing platform which offers its customers an easy way to regularly invest either small or large amounts of money using the Raiz mobile application or through the Raiz website in Australia. The company products include Raiz Rewards, Raiz Kids, and Raiz Property Fund.
49GF Score
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