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Edenred SECHIX:EDENP 89 Return-on-Tangible-Asset is 6.31% as of Dec. 2025, which is 35% above its 10-year median of 4.69. GuruFocus rates CHIX:EDENP with a GF Score™ of 89/100 and a GF Value™ of €45.28 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 546 Credit Services companies, Edenred SE ranks better than 82.97% 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. Edenred SE's annualizedNet Income for the quarter that ended in Dec. 2025 was €572 Mil. Edenred SE's average total tangible assets for the quarter that ended in Dec. 2025 was €9,068 Mil. Therefore, Edenred SE's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 6.31%.
The historical rank and industry rank for Edenred SE's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:EDENp'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.95 Med: 4.69 Max: 5.82
Current: 5.82
During the past 13 years, Edenred SE's highest Return-on-Tangible-Asset was 5.82%. The lowest was 2.95%. And the median was 4.69%.
CHIX:EDENp's Return-on-Tangible-Asset is ranked better than 82.97% of 546
companies
in the Credit Services industry
Industry Median: 1.94
vs CHIX:EDENp: 5.82
Edenred SE (CHIX:EDENp) 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.
Edenred SE Return-on-Tangible-Asset Related Terms
Edenred SE Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Edenred SE'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.
CHIX:EDENP vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Edenred SE'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.
Edenred SE Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Edenred SE's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Edenred SE'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 6.31% mean?
Edenred SE (CHIX:EDENP) has a Return-on-Tangible-Asset of 6.31% 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 Edenred SE and its competitors. This is 35% above median its historical median of 4.69. Over the past decade, Edenred SE's Return-on-Tangible-Asset has ranged from 2.95 to 5.82. According to the industry distribution chart, Edenred SE ranks #93 out of 546 companies in the Credit Services industry, placing it in the top 17%.
Is Edenred SE's Return-on-Tangible-Asset too high?
Edenred SE's current Return-on-Tangible-Asset of 6.31% is 35% above median its 10-year median of 4.69. Over the past 10 years, this metric has ranged from a low of 2.95 to a high of 5.82. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Edenred SE's value of 6.31% is 225.3% above this industry median. Based on the distribution chart, Edenred SE ranks #93 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Edenred SE has a GF Score™ of 89/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Edenred SE's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Edenred SE ranks #93 out of 546 companies for Return-on-Tangible-Asset. This places Edenred SE in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.94. Edenred SE's value of 6.31% is 225.3% above this benchmark. Historically, Edenred SE's own Return-on-Tangible-Asset has ranged from 2.95 to 5.82 over the past decade. While the company's 10-year median is 4.69 vs. the industry median of 1.94, Edenred SE 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, 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. Edenred SE's current Return-on-Tangible-Asset of 6.31% is 225.3% 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 Edenred SE and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Edenred SE's current Return-on-Tangible-Asset is 6.31%, which is 35% above median its own 10-year median of 4.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Edenred SE stock overvalued right now?
Based on GuruFocus' analysis, Edenred SE (CHIX:EDENP) is currently considered Possible Value Trap. The stock's GF Value™ is €45.28, compared to a current price of €26.77 — trading 40.9% below its estimated fair value. The current Return-on-Tangible-Asset is 6.31%, which is 35% above median its 10-year median of 4.69 and 225.3% above the Credit Services industry median of 1.94. Edenred SE's overall GF Score™ is 89/100 with 7 warning signs 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 Edenred SE (CHIX:EDENP), the current Return-on-Tangible-Asset is 6.31% 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 Edenred SE (CHIX:EDENP) Overvalued in 2026?
Based on GuruFocus' analysis, Edenred SE stock appears to be undervalued.
The current stock price of €26.77 is trading 40.9% below its estimated GF Value™ of €45.28.
GuruFocus considers Edenred SE to be Possible Value Trap.
Key valuation signals for CHIX:EDENP:
Return-on-Tangible-Asset: 6.31% (35% above median its 10-year median of 4.69)
GF Value™: €45.28 vs. price of €26.77 (40.9% below fair value)
Industry Position: 225.3% above the Credit Services median (#93 of 546)
No single metric tells the full story. See the CHIX:EDENP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Edenred is a France-listed prepaid corporate services provider operating in 45 countries. The company was listed in 2010 following a spinoff from hotel group Accor. Edenred's main business, Ticket Restaurant, offers prepaid meal vouchers that employers provide their employees as an additional benefit. The company is also involved in other areas, such as prepaid fuel cards and payment and expense management systems. Edenred is also moving beyond its historical services, adding well-being, gift, EV, toll, and business-to-business accounts payable automation services.
89GF Score
Get the complete analysis for CHIX:EDENP
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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