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Systex FintechROCO:7819 +4.44%23 Return-on-Tangible-Equity is 12.91% as of Dec. 2025, which is 13% below its 10-year median of 14.86. GuruFocus rates ROCO:7819 with a GF Score™ of 23/100. The stock has 3 warning signs investors should review. Among 2,480 Software companies, Systex Fintech ranks worse than 51.81% 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. Systex Fintech's annualized net income for the quarter that ended in Dec. 2025 was NT$56.3 Mil. Systex Fintech's average shareholder tangible equity for the quarter that ended in Dec. 2025 was NT$436.4 Mil. Therefore, Systex Fintech's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.91%.
The historical rank and industry rank for Systex Fintech's Return-on-Tangible-Equity or its related term are showing as below:
ROCO:7819'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.8 Med: 14.86 Max: 21.08
Current: 7.8
During the past 3 years, Systex Fintech's highest Return-on-Tangible-Equity was 21.08%. The lowest was 7.80%. And the median was 14.86%.
ROCO:7819's Return-on-Tangible-Equity is ranked worse than 51.81% of 2480
companies
in the Software industry
Industry Median: 8.845
vs ROCO:7819: 7.80
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.
Systex Fintech Return-on-Tangible-Equity Related Terms
Systex Fintech Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Systex Fintech'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.
ROCO:7819 vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, Systex Fintech'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.
Systex Fintech Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Systex Fintech's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Systex Fintech'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 four times the quarterly (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 12.91% mean?
Systex Fintech (ROCO:7819) has a Return-on-Tangible-Equity of 12.91% 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 Systex Fintech and its competitors. This is 13% below median its historical median of 14.86. Over the past decade, Systex Fintech's Return-on-Tangible-Equity has ranged from 7.80 to 21.08. According to the industry distribution chart, Systex Fintech ranks #1285 out of 2480 companies in the Software industry, placing it in the top 51.8%.
Is Systex Fintech's Return-on-Tangible-Equity too high?
Systex Fintech's current Return-on-Tangible-Equity of 12.91% is 13% below median its 10-year median of 14.86. Over the past 10 years, this metric has ranged from a low of 7.80 to a high of 21.08. The Software industry median Return-on-Tangible-Equity is 8.85. Systex Fintech's value of 12.91% is 46% above this industry median. Based on the distribution chart, Systex Fintech ranks #1285 out of 2480 companies in the Software industry, which is below the industry midpoint. Overall, Systex Fintech has a GF Score™ of 23/100, reflecting its overall financial health beyond just this single metric.
How does Systex Fintech's Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Systex Fintech ranks #1285 out of 2480 companies for Return-on-Tangible-Equity. This places Systex Fintech in the lower half of its industry. The industry median Return-on-Tangible-Equity is 8.85. Systex Fintech's value of 12.91% is 46% above this benchmark. Historically, Systex Fintech's own Return-on-Tangible-Equity has ranged from 7.80 to 21.08 over the past decade. While the company's 10-year median is 14.86 vs. the industry median of 8.85, Systex Fintech 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-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.85, based on 2,480 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. Systex Fintech's current Return-on-Tangible-Equity of 12.91% is 46% 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-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 Systex Fintech and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Systex Fintech's current Return-on-Tangible-Equity is 12.91%, which is 13% below median its own 10-year median of 14.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Systex Fintech stock overvalued right now?
Systex Fintech (ROCO:7819) has a current Return-on-Tangible-Equity of 12.91%. The current Return-on-Tangible-Equity is 12.91%, which is 13% below median its 10-year median of 14.86 and 46% above the Software industry median of 8.85. Systex Fintech's overall GF Score™ is 23/100 with 3 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 Systex Fintech (ROCO:7819), the current Return-on-Tangible-Equity is 12.91% 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.
Systex Fintech Corp. is a financial technology company that delivers tailored solutions for the financial services industry. The products and services of the company include credit cards, virtual accounts, overseas receipts, electronic signature systems, and others.
23GF Score
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