InvestSMART GroupASX:INV -6.67%52 ROA % is 9.23% as of Dec. 2025, which is 31% below its 10-year median of 13.39. GuruFocus rates ASX:INV with a GF Score™ of 52/100 and a GF Value™ of A$0.16 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 565 Diversified Financial Services companies, InvestSMART Group ranks better than 97.7% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. InvestSMART Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$6.13 Mil.
InvestSMART Group's average Total Assets over the quarter that ended in Dec. 2025 was A$66.39 Mil. Therefore, InvestSMART Group's annualized ROA % for the quarter that ended in Dec. 2025 was 9.23%.
The historical rank and industry rank for InvestSMART Group's ROA % or its related term are showing as below:
ASX:INV'
s ROA % Range Over the Past 10 Years
Min: 4.56 Med: 13.39 Max: 18.79
Current: 11.8
During the past 3 years, InvestSMART Group's highest ROA % was 18.79%. The lowest was 4.56%. And the median was 13.39%.
ASX:INV's ROA % is ranked better than 97.7% of 565
companies
in the Diversified Financial Services industry
Industry Median: 0.9
vs ASX:INV: 11.80
InvestSMART Group (ASX:INV) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 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.
InvestSMART Group ROA % Related Terms
InvestSMART Group ROA % Historical Data
* Premium members only.
The historical data trend for InvestSMART Group'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 Financial Conglomerates subindustry, InvestSMART Group'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.
InvestSMART Group ROA % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, InvestSMART Group's ROA % distribution charts can be found below:
* The bar in red indicates where InvestSMART Group'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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
InvestSMART Group (ASX:INV) has a ROA % of 9.23% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on InvestSMART Group and its competitors. This is 31% below median its historical median of 13.39. Over the past decade, InvestSMART Group's ROA % has ranged from 4.56 to 18.79. According to the industry distribution chart, InvestSMART Group ranks #13 out of 565 companies in the Diversified Financial Services industry, placing it in the top 2.3%.
Is InvestSMART Group's ROA % too high?
InvestSMART Group's current ROA % of 9.23% is 31% below median its 10-year median of 13.39. Over the past 10 years, this metric has ranged from a low of 4.56 to a high of 18.79. The Diversified Financial Services industry median ROA % is 0.90. InvestSMART Group's value of 9.23% is 925.6% above this industry median. Based on the distribution chart, InvestSMART Group ranks #13 out of 565 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, InvestSMART Group has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does InvestSMART Group's ROA % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, InvestSMART Group ranks #13 out of 565 companies for ROA %. This places InvestSMART Group in the top 2% of its industry — outperforming the majority of peers. The industry median ROA % is 0.90. InvestSMART Group's value of 9.23% is 925.6% above this benchmark. Historically, InvestSMART Group's own ROA % has ranged from 4.56 to 18.79 over the past decade. While the company's 10-year median is 13.39 vs. the industry median of 0.90, InvestSMART Group 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 ROA % for a Diversified Financial Services company?
The median ROA % among Diversified Financial Services companies is 0.90, based on 565 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. InvestSMART Group's current ROA % of 9.23% is 925.6% 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 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 InvestSMART Group and its competitors. For the Diversified Financial Services industry, the median ROA % is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. InvestSMART Group's current ROA % is 9.23%, which is 31% below median its own 10-year median of 13.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InvestSMART Group stock overvalued right now?
Based on GuruFocus' analysis, InvestSMART Group (ASX:INV) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.16, compared to a current price of A$0.14 — trading 12.5% below its estimated fair value. The current ROA % is 9.23%, which is 31% below median its 10-year median of 13.39 and 925.6% above the Diversified Financial Services industry median of 0.90. InvestSMART Group'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 ROA % calculated?
ROA % is calculated from a company's financial statements. For InvestSMART Group (ASX:INV), the current ROA % is 9.23% 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 InvestSMART Group (ASX:INV) Overvalued in 2026?
Based on GuruFocus' analysis, InvestSMART Group stock appears to be undervalued.
The current stock price of A$0.14 is trading 12.5% below its estimated GF Value™ of A$0.16.
GuruFocus considers InvestSMART Group to be Modestly Undervalued.
Key valuation signals for ASX:INV:
ROA %: 9.23% (31% below median its 10-year median of 13.39)
GF Value™: A$0.16 vs. price of A$0.14 (12.5% below fair value)
Industry Position: 925.6% above the Diversified Financial Services median (#13 of 565)
No single metric tells the full story. See the ASX:INV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
InvestSMART Group Ltd is mainly involved in operating businesses that deliver financial services to retail investors in Australia, predominantly in wealth and funds management. It offers a proprietary digital wealth platform that operates within a content and tools ecosystem, offering investment products like InvestSMART (Professionally Managed Accounts), Fundlater (lending service), White label, and Intelligent Investor. In addition, the platform provides investment content and tools like Intelligent Investor (research and investment advisory service), and organizes bootcamps for investors, among others.
52GF Score
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