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Aeon Thana Sinsap (Thailand) PCLSTU:AE3 52 Return-on-Tangible-Asset is 3.58% as of May. 2026, which is 10% below its 10-year median of 3.97. GuruFocus rates STU:AE3 with a GF Score™ of 52/100 and a GF Value™ of €2.57. The stock has 2 warning signs investors should review. Among 547 Credit Services companies, Aeon Thana Sinsap (Thailand) PCL ranks better than 69.65% on this metric.
The historical rank and industry rank for Aeon Thana Sinsap (Thailand) PCL's Return-on-Tangible-Asset or its related term are showing as below:
STU:AE3'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 3.14 Med: 3.97 Max: 4.38
Current: 3.5
During the past 13 years, Aeon Thana Sinsap (Thailand) PCL's highest Return-on-Tangible-Asset was 4.38%. The lowest was 3.14%. And the median was 3.97%.
STU:AE3's Return-on-Tangible-Asset is ranked better than 69.65% of 547
companies
in the Credit Services industry
Industry Median: 1.94
vs STU:AE3: 3.50
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.
Aeon Thana Sinsap (Thailand) PCL Return-on-Tangible-Asset Related Terms
Aeon Thana Sinsap (Thailand) PCL 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.
STU:AE3 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Aeon Thana Sinsap (Thailand) PCL'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.
Aeon Thana Sinsap (Thailand) PCL Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Thana Sinsap (Thailand) PCL's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Aeon Thana Sinsap (Thailand) PCL'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 four times the quarterly (May. 2026) net income data.
What does a Return-on-Tangible-Asset of 3.58% mean?
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a Return-on-Tangible-Asset of 3.58% as of May. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Aeon Thana Sinsap (Thailand) PCL and its competitors. This is 10% below median its historical median of 3.97. Over the past decade, Aeon Thana Sinsap (Thailand) PCL's Return-on-Tangible-Asset has ranged from 3.14 to 4.38. According to the industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #166 out of 547 companies in the Credit Services industry, placing it in the top 30.3%.
Is Aeon Thana Sinsap (Thailand) PCL's Return-on-Tangible-Asset too high?
Aeon Thana Sinsap (Thailand) PCL's current Return-on-Tangible-Asset of 3.58% is 10% below median its 10-year median of 3.97. Over the past 10 years, this metric has ranged from a low of 3.14 to a high of 4.38. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Aeon Thana Sinsap (Thailand) PCL's value of 3.58% is 84.5% above this industry median. Based on the distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #166 out of 547 companies in the Credit Services industry, which is above the industry midpoint. Overall, Aeon Thana Sinsap (Thailand) PCL has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Aeon Thana Sinsap (Thailand) PCL's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #166 out of 547 companies for Return-on-Tangible-Asset. This puts Aeon Thana Sinsap (Thailand) PCL in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Aeon Thana Sinsap (Thailand) PCL's value of 3.58% is 84.5% above this benchmark. Historically, Aeon Thana Sinsap (Thailand) PCL's own Return-on-Tangible-Asset has ranged from 3.14 to 4.38 over the past decade. While the company's 10-year median is 3.97 vs. the industry median of 1.94, Aeon Thana Sinsap (Thailand) PCL 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 547 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. Aeon Thana Sinsap (Thailand) PCL's current Return-on-Tangible-Asset of 3.58% is 84.5% 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 Aeon Thana Sinsap (Thailand) PCL 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. Aeon Thana Sinsap (Thailand) PCL's current Return-on-Tangible-Asset is 3.58%, which is 10% below median its own 10-year median of 3.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Thana Sinsap (Thailand) PCL stock overvalued right now?
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a current Return-on-Tangible-Asset of 3.58%. The stock's GF Value™ is €2.57, compared to a current price of €2.30 — trading 10.5% below its estimated fair value. The current Return-on-Tangible-Asset is 3.58%, which is 10% below median its 10-year median of 3.97 and 84.5% above the Credit Services industry median of 1.94. Aeon Thana Sinsap (Thailand) PCL's overall GF Score™ is 52/100 with 2 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3), the current Return-on-Tangible-Asset is 3.58% as of May. 2026. 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Thana Sinsap (Thailand) PCL stock appears to be undervalued.
The current stock price of €2.30 is trading 10.5% below its estimated GF Value™ of €2.57.
Key valuation signals for STU:AE3:
Return-on-Tangible-Asset: 3.58% (10% below median its 10-year median of 3.97)
GF Value™: €2.57 vs. price of €2.30 (10.5% below fair value)
Industry Position: 84.5% above the Credit Services median (#166 of 547)
No single metric tells the full story. See the STU:AE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Thana Sinsap (Thailand) PCL Business Description
Aeon Thana Sinsap (Thailand) PCL provides retail financial services including credit card issuance, hire-purchase loans, and other personal loans that collectively provide almost all the company's revenue. The company operates in two segments; Retail finance services and Other business. It generates maximum revenue from the Retail finance services segment which Consist of credit card, hire-purchase and personal loans and others.
52GF Score
Get the complete analysis for STU:AE3
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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