Armada MercantileAAMTF 31 ROA % is -1.68% as of Nov. 2025. GuruFocus rates AAMTF with a GF Score™ of 31/100 and a GF Value™ of $0.11 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 819 Capital Markets companies, Armada Mercantile ranks worse than 98.53% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Armada Mercantile's annualizedNet Income for the quarter that ended in Nov. 2025 was $-0.02 Mil.
Armada Mercantile's average Total Assets over the quarter that ended in Nov. 2025 was $1.19 Mil. Therefore, Armada Mercantile's annualized ROA % for the quarter that ended in Nov. 2025 was -1.68%.
The historical rank and industry rank for Armada Mercantile's ROA % or its related term are showing as below:
AAMTF'
s ROA % Range Over the Past 10 Years
Min: -190.35 Med: -3.34 Max: 197.99
Current: -190.35
During the past 13 years, Armada Mercantile's highest ROA % was 197.99%. The lowest was -190.35%. And the median was -3.34%.
AAMTF's ROA % is ranked worse than 98.53% of 819
companies
in the Capital Markets industry
Industry Median: 1.5
vs AAMTF: -190.35
Armada Mercantile (OTCPK:AAMTF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Nov. 2025) net income data. The Revenue data used here is four times the quarterly (Nov. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Armada Mercantile ROA % Related Terms
Armada Mercantile ROA % Historical Data
* Premium members only.
The historical data trend for Armada Mercantile's ROA % 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.
For the Capital Markets subindustry, Armada Mercantile's ROA %, along with its competitors' market caps and ROA % 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.
Armada Mercantile ROA % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Armada Mercantile's ROA % distribution charts can be found below:
* The bar in red indicates where Armada Mercantile's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Nov. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Armada Mercantile (AAMTF) has a ROA % of -1.68% as of Nov. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Armada Mercantile and its competitors. According to the industry distribution chart, Armada Mercantile ranks #807 out of 819 companies in the Capital Markets industry, placing it in the top 98.5%.
Is Armada Mercantile's ROA % too high?
Armada Mercantile's current ROA % is -1.68%. Based on the distribution chart, Armada Mercantile ranks #807 out of 819 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, Armada Mercantile has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Armada Mercantile's ROA % compare to MS and GS?
According to the Capital Markets industry distribution chart, Armada Mercantile ranks #807 out of 819 companies for ROA %. This places Armada Mercantile in the lower half of its industry. The industry median ROA % is 1.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Capital Markets company?
The median ROA % among Capital Markets companies is 1.50, based on 819 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Armada Mercantile and its competitors. For the Capital Markets industry, the median ROA % is 1.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Armada Mercantile's current ROA % is -1.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Armada Mercantile stock overvalued right now?
Based on GuruFocus' analysis, Armada Mercantile (AAMTF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.11, compared to a current price of $0.25 — trading 127.3% above its estimated fair value. The current ROA % is -1.68%. Armada Mercantile's overall GF Score™ is 31/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Armada Mercantile (AAMTF), the current ROA % is -1.68% as of Nov. 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 Armada Mercantile (AAMTF) Overvalued in 2026?
Based on GuruFocus' analysis, Armada Mercantile stock appears to be overvalued.
The current stock price of $0.25 is trading 127.3% above its estimated GF Value™ of $0.11.
GuruFocus considers Armada Mercantile to be Significantly Overvalued.
Key valuation signals for AAMTF:
ROA %: -1.68%
GF Value™: $0.11 vs. price of $0.25 (127.3% above fair value)
No single metric tells the full story. See the AAMTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Armada Mercantile Ltd is engaged in the business of investing in new and existing businesses and organizations. The company is a financial services company that focuses on merchant banking through its wholly-owned subsidiary Armada Group USA, Inc. The company, through its investment in Oxygen Funding, Inc. offers commercial finance services to companies; internationally, including account receivables "factoring", supply chain, equipment leasing, merchant cash advance and purchase order, and other types of specialized finance.
31GF Score
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