Resimac GroupASX:RMC 62 ROA % is 0.34% as of Dec. 2025, which is 21% below its 10-year median of 0.43. GuruFocus rates ASX:RMC with a GF Score™ of 62/100 and a GF Value™ of A$1.23 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,529 Banks companies, Resimac Group ranks worse than 86.72% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Resimac Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$56.9 Mil.
Resimac Group's average Total Assets over the quarter that ended in Dec. 2025 was A$16,753.2 Mil. Therefore, Resimac Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.34%.
The historical rank and industry rank for Resimac Group's ROA % or its related term are showing as below:
ASX:RMC'
s ROA % Range Over the Past 10 Years
Min: 0.22 Med: 0.43 Max: 1.59
Current: 0.3
During the past 13 years, Resimac Group's highest ROA % was 1.59%. The lowest was 0.22%. And the median was 0.43%.
ASX:RMC's ROA % is ranked worse than 86.72% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs ASX:RMC: 0.30
Resimac Group (ASX:RMC) 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.
Resimac Group ROA % Related Terms
Resimac Group ROA % Historical Data
* Premium members only.
The historical data trend for Resimac 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 Mortgage Finance subindustry, Resimac 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.
Resimac Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Resimac Group's ROA % distribution charts can be found below:
* The bar in red indicates where Resimac 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.
Resimac Group (ASX:RMC) has a ROA % of 0.34% 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 Resimac Group and its competitors. This is 21% below median its historical median of 0.43. Over the past decade, Resimac Group's ROA % has ranged from 0.22 to 1.59. According to the industry distribution chart, Resimac Group ranks #1326 out of 1529 companies in the Banks industry, placing it in the top 86.7%.
Is Resimac Group's ROA % too high?
Resimac Group's current ROA % of 0.34% is 21% below median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.59. The Banks industry median ROA % is 0.98. Resimac Group's value of 0.34% is 65.3% below this industry median. Based on the distribution chart, Resimac Group ranks #1326 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Resimac Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Resimac Group's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Resimac Group ranks #1326 out of 1529 companies for ROA %. This places Resimac Group in the lower half of its industry. The industry median ROA % is 0.98. Resimac Group's value of 0.34% is 65.3% below this benchmark. Historically, Resimac Group's own ROA % has ranged from 0.22 to 1.59 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.98, Resimac Group 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 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. Resimac Group's current ROA % of 0.34% is 65.3% 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 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 Resimac Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Resimac Group's current ROA % is 0.34%, which is 21% below median its own 10-year median of 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Resimac Group stock overvalued right now?
Based on GuruFocus' analysis, Resimac Group (ASX:RMC) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.23, compared to a current price of A$0.83 — trading 32.5% below its estimated fair value. The current ROA % is 0.34%, which is 21% below median its 10-year median of 0.43 and 65.3% below the Banks industry median of 0.98. Resimac Group's overall GF Score™ is 62/100 with 3 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 Resimac Group (ASX:RMC), the current ROA % is 0.34% 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 Resimac Group (ASX:RMC) Overvalued in 2026?
Based on GuruFocus' analysis, Resimac Group stock appears to be undervalued.
The current stock price of A$0.83 is trading 32.5% below its estimated GF Value™ of A$1.23.
GuruFocus considers Resimac Group to be Possible Value Trap.
Key valuation signals for ASX:RMC:
ROA %: 0.34% (21% below median its 10-year median of 0.43)
GF Value™: A$1.23 vs. price of A$0.83 (32.5% below fair value)
Industry Position: 65.3% below the Banks median (#1326 of 1529)
No single metric tells the full story. See the ASX:RMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Resimac Group Ltd provides and services residential mortgage and asset finance lending products through third-party channels in Australia. It focuses on originating and managing a high-quality loan portfolio supported by a flexible international capital markets funding program. The Group offers lending products for consumers and SMEs, distributed via accredited brokers and wholesale channels. It maintains funding relationships and has experience in both international and domestic securitisation markets. The Group operates a risk management framework based on the three lines of defence. Its three segments are Home Loan Lending, New Zealand Lending, and Asset Finance Lending, with the majority of revenue coming from Home Loan Lending.
62GF Score
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