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The historical rank and industry rank for Genertec Universal Medical Group Co's Return-on-Tangible-Asset or its related term are showing as below:
FRA:5UM'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.52 Med: 3.01 Max: 3.53
Current: 2.63
During the past 12 years, Genertec Universal Medical Group Co's highest Return-on-Tangible-Asset was 3.53%. The lowest was 2.52%. And the median was 3.01%.
FRA:5UM's Return-on-Tangible-Asset is ranked better than 58.55% of 550
companies
in the Credit Services industry
Industry Median: 2.015
vs FRA:5UM: 2.63
Genertec Universal Medical Group Co (FRA:5UM) 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.
Genertec Universal Medical Group Co Return-on-Tangible-Asset Related Terms
Genertec Universal Medical Group Co Return-on-Tangible-Asset 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.
Genertec Universal Medical Group Co Return-on-Tangible-Asset Chart
FRA:5UM vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Genertec Universal Medical Group Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Genertec Universal Medical Group Co'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 2.26% mean?
Genertec Universal Medical Group Co (FRA:5UM) has a Return-on-Tangible-Asset of 2.26% 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 Genertec Universal Medical Group Co and its competitors. This is 25% below median its historical median of 3.01. Over the past decade, Genertec Universal Medical Group Co's Return-on-Tangible-Asset has ranged from 2.52 to 3.53. According to the industry distribution chart, Genertec Universal Medical Group Co ranks #228 out of 550 companies in the Credit Services industry, placing it in the top 41.5%.
Is Genertec Universal Medical Group Co's Return-on-Tangible-Asset too high?
Genertec Universal Medical Group Co's current Return-on-Tangible-Asset of 2.26% is 25% below median its 10-year median of 3.01. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 3.53. The Credit Services industry median Return-on-Tangible-Asset is 2.02. Genertec Universal Medical Group Co's value of 2.26% is 12.2% above this industry median. Based on the distribution chart, Genertec Universal Medical Group Co ranks #228 out of 550 companies in the Credit Services industry, which is above the industry midpoint. Overall, Genertec Universal Medical Group Co has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Genertec Universal Medical Group Co's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Genertec Universal Medical Group Co ranks #228 out of 550 companies for Return-on-Tangible-Asset. This puts Genertec Universal Medical Group Co in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.02. Genertec Universal Medical Group Co's value of 2.26% is 12.2% above this benchmark. Historically, Genertec Universal Medical Group Co's own Return-on-Tangible-Asset has ranged from 2.52 to 3.53 over the past decade. While the company's 10-year median is 3.01 vs. the industry median of 2.02, Genertec Universal Medical Group Co 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 2.02, based on 550 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. Genertec Universal Medical Group Co's current Return-on-Tangible-Asset of 2.26% is 12.2% 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 Genertec Universal Medical Group Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genertec Universal Medical Group Co's current Return-on-Tangible-Asset is 2.26%, which is 25% below median its own 10-year median of 3.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genertec Universal Medical Group Co stock overvalued right now?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co (FRA:5UM) is currently considered Fairly Valued. The stock's GF Value™ is €0.48, compared to a current price of €0.48 — trading 0.4% above its estimated fair value. The current Return-on-Tangible-Asset is 2.26%, which is 25% below median its 10-year median of 3.01 and 12.2% above the Credit Services industry median of 2.02. Genertec Universal Medical Group Co's overall GF Score™ is 48/100 with 5 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 Genertec Universal Medical Group Co (FRA:5UM), the current Return-on-Tangible-Asset is 2.26% 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 Genertec Universal Medical Group Co (FRA:5UM) Overvalued in 2026?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co stock appears to be overvalued.
The current stock price of €0.48 is trading 0.4% above its estimated GF Value™ of €0.48.
GuruFocus considers Genertec Universal Medical Group Co to be Fairly Valued.
Key valuation signals for FRA:5UM:
Return-on-Tangible-Asset: 2.26% (25% below median its 10-year median of 3.01)
GF Value™: €0.48 vs. price of €0.48 (0.4% above fair value)
Industry Position: 12.2% above the Credit Services median (#228 of 550)
No single metric tells the full story. See the FRA:5UM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genertec Universal Medical Group Co Ltd is principally engaged in providing financing to its customers under finance lease arrangements, the provision of advisory services, the sale of medical equipment as well as leases under operating lease arrangements, and the provision of other services. The group has two business segments namely The finance business comprises direct finance leasing, sale-and-leaseback, factoring, operating leases, and advisory services; and Healthcare business comprises includes hospital group business, healthcare technology business and specialty business. Geographically, it derives a majority of its revenue from Mainland China.
48GF Score
Get the complete analysis for FRA:5UM
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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