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Goldpac GroupFRA:G9D +0.75%46 Return-on-Tangible-Asset is 1.35% as of Dec. 2025, which is 76% below its 10-year median of 5.60. GuruFocus rates FRA:G9D with a GF Score™ of 46/100 and a GF Value™ of €0.08. The stock has 7 warning signs investors should review. Among 2,892 Software companies, Goldpac Group ranks worse than 51.63% 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. Goldpac Group's annualizedNet Income for the quarter that ended in Dec. 2025 was €4.0 Mil. Goldpac Group's average total tangible assets for the quarter that ended in Dec. 2025 was €297.0 Mil. Therefore, Goldpac Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.35%.
The historical rank and industry rank for Goldpac Group's Return-on-Tangible-Asset or its related term are showing as below:
FRA:G9D'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.65 Med: 5.6 Max: 7.64
Current: 1.65
During the past 13 years, Goldpac Group's highest Return-on-Tangible-Asset was 7.64%. The lowest was 1.65%. And the median was 5.60%.
FRA:G9D's Return-on-Tangible-Asset is ranked worse than 51.63% of 2892
companies
in the Software industry
Industry Median: 2.05
vs FRA:G9D: 1.65
Goldpac Group (FRA:G9D) 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.
Goldpac Group Return-on-Tangible-Asset Related Terms
Goldpac Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Goldpac Group'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.
FRA:G9D vs MSFT, ORCL, PLTR: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, Goldpac Group'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.
Goldpac Group Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Goldpac Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Goldpac Group'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 1.35% mean?
Goldpac Group (FRA:G9D) has a Return-on-Tangible-Asset of 1.35% 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 Goldpac Group and its competitors. This is 76% below median its historical median of 5.60. Over the past decade, Goldpac Group's Return-on-Tangible-Asset has ranged from 1.65 to 7.64. According to the industry distribution chart, Goldpac Group ranks #1493 out of 2892 companies in the Software industry, placing it in the top 51.6%.
Is Goldpac Group's Return-on-Tangible-Asset too high?
Goldpac Group's current Return-on-Tangible-Asset of 1.35% is 76% below median its 10-year median of 5.60. Over the past 10 years, this metric has ranged from a low of 1.65 to a high of 7.64. The Software industry median Return-on-Tangible-Asset is 2.05. Goldpac Group's value of 1.35% is 34.1% below this industry median. Based on the distribution chart, Goldpac Group ranks #1493 out of 2892 companies in the Software industry, which is below the industry midpoint. Overall, Goldpac Group has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Goldpac Group's Return-on-Tangible-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, Goldpac Group ranks #1493 out of 2892 companies for Return-on-Tangible-Asset. This places Goldpac Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.05. Goldpac Group's value of 1.35% is 34.1% below this benchmark. Historically, Goldpac Group's own Return-on-Tangible-Asset has ranged from 1.65 to 7.64 over the past decade. While the company's 10-year median is 5.60 vs. the industry median of 2.05, Goldpac Group 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 Software company?
The median Return-on-Tangible-Asset among Software companies is 2.05, based on 2,892 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. Goldpac Group's current Return-on-Tangible-Asset of 1.35% is 34.1% 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 Goldpac Group and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goldpac Group's current Return-on-Tangible-Asset is 1.35%, which is 76% below median its own 10-year median of 5.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goldpac Group stock overvalued right now?
Goldpac Group (FRA:G9D) has a current Return-on-Tangible-Asset of 1.35%. The stock's GF Value™ is €0.08, compared to a current price of €0.07 — trading 15.6% below its estimated fair value. The current Return-on-Tangible-Asset is 1.35%, which is 76% below median its 10-year median of 5.60 and 34.1% below the Software industry median of 2.05. Goldpac Group's overall GF Score™ is 46/100 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 Goldpac Group (FRA:G9D), the current Return-on-Tangible-Asset is 1.35% 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 Goldpac Group (FRA:G9D) Overvalued in 2026?
Based on GuruFocus' analysis, Goldpac Group stock appears to be undervalued.
The current stock price of €0.07 is trading 15.6% below its estimated GF Value™ of €0.08.
Key valuation signals for FRA:G9D:
Return-on-Tangible-Asset: 1.35% (76% below median its 10-year median of 5.60)
GF Value™: €0.08 vs. price of €0.07 (15.6% below fair value)
Industry Position: 34.1% below the Software median (#1493 of 2892)
No single metric tells the full story. See the FRA:G9D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goldpac Group Ltd offers solutions to secure payment systems, embedded software and security products, data management services, card issuance systems, multi-function terminals, and custom turnkey solutions covering financial services. The operating segments of the group are Embedded software and secure payment products, which is the key revenue-driving segment, includes embedded software and secure payment products for smart secure payment; and the Platform and service segment which involves the provision of data processing, equipment, system platforms and other total solutions for customers in a wide business range including financial, government, healthcare, transportation and retails by leveraging Fintech.
46GF Score
Get the complete analysis for FRA:G9D
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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