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JF SmartInvest HoldingsFRA:D6U -0.67%93 Return-on-Tangible-Equity is 4.49% as of Dec. 2025, which is 89% below its 10-year median of 42.11. GuruFocus rates FRA:D6U with a GF Score™ of 93/100 and a GF Value™ of €3.21. The stock has 4 warning signs investors should review. Among 248 Education companies, JF SmartInvest Holdings ranks worse than 67.34% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. JF SmartInvest Holdings's annualized net income for the quarter that ended in Dec. 2025 was €14.1 Mil. JF SmartInvest Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €314.3 Mil. Therefore, JF SmartInvest Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 4.47%.
The historical rank and industry rank for JF SmartInvest Holdings's Return-on-Tangible-Equity or its related term are showing as below:
FRA:D6U'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.4 Med: 42.11 Max: 953.69
Current: 3.4
During the past 7 years, JF SmartInvest Holdings's highest Return-on-Tangible-Equity was 953.69%. The lowest was 3.40%. And the median was 42.11%.
FRA:D6U's Return-on-Tangible-Equity is ranked worse than 67.34% of 248
companies
in the Education industry
Industry Median: 11.94
vs FRA:D6U: 3.40
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
JF SmartInvest Holdings Return-on-Tangible-Equity Related Terms
JF SmartInvest Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for JF SmartInvest Holdings's Return-on-Tangible-Equity 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:D6U vs EDU, TAL, LAUR: Return-on-Tangible-Equity Comparison
For the Education & Training Services subindustry, JF SmartInvest Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
JF SmartInvest Holdings Return-on-Tangible-Equity vs Education Industry
For the Education industry and Consumer Defensive sector, JF SmartInvest Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where JF SmartInvest Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.49% mean?
JF SmartInvest Holdings (FRA:D6U) has a Return-on-Tangible-Equity of 4.49% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on JF SmartInvest Holdings and its competitors. This is 89% below median its historical median of 42.11. Over the past decade, JF SmartInvest Holdings' Return-on-Tangible-Equity has ranged from 3.40 to 953.69. According to the industry distribution chart, JF SmartInvest Holdings ranks #167 out of 248 companies in the Education industry, placing it in the top 67.3%.
Is JF SmartInvest Holdings' Return-on-Tangible-Equity too high?
JF SmartInvest Holdings' current Return-on-Tangible-Equity of 4.49% is 89% below median its 10-year median of 42.11. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 953.69. The Education industry median Return-on-Tangible-Equity is 11.94. JF SmartInvest Holdings' value of 4.49% is 62.4% below this industry median. Based on the distribution chart, JF SmartInvest Holdings ranks #167 out of 248 companies in the Education industry, which is below the industry midpoint. Overall, JF SmartInvest Holdings has a GF Score™ of 93/100, reflecting its overall financial health beyond just this single metric.
How does JF SmartInvest Holdings' Return-on-Tangible-Equity compare to EDU and TAL?
According to the Education industry distribution chart, JF SmartInvest Holdings ranks #167 out of 248 companies for Return-on-Tangible-Equity. This places JF SmartInvest Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.94. JF SmartInvest Holdings' value of 4.49% is 62.4% below this benchmark. Historically, JF SmartInvest Holdings' own Return-on-Tangible-Equity has ranged from 3.40 to 953.69 over the past decade. While the company's 10-year median is 42.11 vs. the industry median of 11.94, JF SmartInvest Holdings 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-Equity for an Education company?
The median Return-on-Tangible-Equity among Education companies is 11.94, based on 248 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JF SmartInvest Holdings's current Return-on-Tangible-Equity of 4.49% is 62.4% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on JF SmartInvest Holdings and its competitors. For the Education industry, the median Return-on-Tangible-Equity is 11.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JF SmartInvest Holdings's current Return-on-Tangible-Equity is 4.49%, which is 89% below median its own 10-year median of 42.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JF SmartInvest Holdings stock overvalued right now?
JF SmartInvest Holdings (FRA:D6U) has a current Return-on-Tangible-Equity of 4.49%. The stock's GF Value™ is €3.21, compared to a current price of €2.96 — trading 7.8% below its estimated fair value. The current Return-on-Tangible-Equity is 4.49%, which is 89% below median its 10-year median of 42.11 and 62.4% below the Education industry median of 11.94. JF SmartInvest Holdings' overall GF Score™ is 93/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For JF SmartInvest Holdings (FRA:D6U), the current Return-on-Tangible-Equity is 4.49% 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 JF SmartInvest Holdings (FRA:D6U) Overvalued in 2026?
Based on GuruFocus' analysis, JF SmartInvest Holdings stock appears to be undervalued.
The current stock price of €2.96 is trading 7.8% below its estimated GF Value™ of €3.21.
Key valuation signals for FRA:D6U:
Return-on-Tangible-Equity: 4.49% (89% below median its 10-year median of 42.11)
GF Value™: €3.21 vs. price of €2.96 (7.8% below fair value)
Industry Position: 62.4% below the Education median (#167 of 248)
No single metric tells the full story. See the FRA:D6U stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JF SmartInvest Holdings Ltd is a next-generation stock investing assistant that provides equity investment tools, securities investment advisory, investor education, and other services for individual investors with product offerings such as stock quote software, Stock Learning Machine, Stock Navigator Series, Super Investor, and Jiuyao Stocks (small-amount series products). It has developed JF Robo-Advisor, FinSphere Agent, FinSphere Report, and other AI products based on its AI and big data technologies, enabling the company to achieve industry leadership in inventive practice and scenario application.
93GF Score
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