CAB Payments HoldingsCABPF 34 ROA % is 1.37% as of Dec. 2025, which is 73% above its 10-year median of 0.79. GuruFocus rates CABPF with a GF Score™ of 34/100 and a GF Value™ of $0.56 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, CAB Payments Holdings ranks worse than 62.57% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. CAB Payments Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was $30.1 Mil.
CAB Payments Holdings's average Total Assets over the quarter that ended in Dec. 2025 was $2,205.5 Mil. Therefore, CAB Payments Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 1.37%.
The historical rank and industry rank for CAB Payments Holdings's ROA % or its related term are showing as below:
CABPF'
s ROA % Range Over the Past 10 Years
Min: -0.22 Med: 0.79 Max: 2.21
Current: 0.8
During the past 6 years, CAB Payments Holdings's highest ROA % was 2.21%. The lowest was -0.22%. And the median was 0.79%.
CABPF's ROA % is ranked worse than 62.57% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs CABPF: 0.80
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.
* 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 Banks - Diversified subindustry, CAB Payments Holdings'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.
CAB Payments Holdings ROA % vs Banks Industry
For the Banks industry and Financial Services sector, CAB Payments Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where CAB Payments Holdings'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.
CAB Payments Holdings (CABPF) has a ROA % of 1.37% 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 CAB Payments Holdings and its competitors. This is 73% above median its historical median of 0.79. According to the industry distribution chart, CAB Payments Holdings ranks #956 out of 1528 companies in the Banks industry, placing it in the top 62.6%.
Is CAB Payments Holdings' ROA % too high?
CAB Payments Holdings' current ROA % of 1.37% is 73% above median its 10-year median of 0.79. The Banks industry median ROA % is 0.98. CAB Payments Holdings' value of 1.37% is 39.8% above this industry median. Based on the distribution chart, CAB Payments Holdings ranks #956 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, CAB Payments Holdings has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CAB Payments Holdings' ROA % compare to JPM and BAC?
According to the Banks industry distribution chart, CAB Payments Holdings ranks #956 out of 1528 companies for ROA %. This places CAB Payments Holdings in the lower half of its industry. The industry median ROA % is 0.98. CAB Payments Holdings' value of 1.37% is 39.8% above this benchmark. While the company's 10-year median is 0.79 vs. the industry median of 0.98, CAB Payments Holdings 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 Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 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. CAB Payments Holdings's current ROA % of 1.37% is 39.8% 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 CAB Payments Holdings 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. CAB Payments Holdings's current ROA % is 1.37%, which is 73% above median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAB Payments Holdings stock overvalued right now?
Based on GuruFocus' analysis, CAB Payments Holdings (CABPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.56, compared to a current price of $1.02 — trading 82.1% above its estimated fair value. The current ROA % is 1.37%, which is 73% above median its 10-year median of 0.79 and 39.8% above the Banks industry median of 0.98. CAB Payments Holdings' overall GF Score™ is 34/100 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 CAB Payments Holdings (CABPF), the current ROA % is 1.37% 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 CAB Payments Holdings (CABPF) Overvalued in 2026?
Based on GuruFocus' analysis, CAB Payments Holdings stock appears to be overvalued.
The current stock price of $1.02 is trading 82.1% above its estimated GF Value™ of $0.56.
GuruFocus considers CAB Payments Holdings to be Significantly Overvalued.
Key valuation signals for CABPF:
ROA %: 1.37% (73% above median its 10-year median of 0.79)
GF Value™: $0.56 vs. price of $1.02 (82.1% above fair value)
Industry Position: 39.8% above the Banks median (#956 of 1528)
No single metric tells the full story. See the CABPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CAB Payments Holdings PLC offers cross-border payments and banking services for hard-to-reach markets around the world. Along with its subsidiaries, the company operates in three principal business lines, addressing various combinations of client groups, distribution networks, and services: Foreign Exchange (FX), which derives maximum revenue, Payments, and Banking Services. Foreign Exchange (FX) business provides access to clients to various markets and currencies, and enables them to trade in a way that suits their business needs, via web app, GUI, or FIX API; Payments business provides international payment solutions; and Banking Services engages in wholesale banking, providing transaction and deposit accounts, in addition to trade finance solutions.
34GF Score
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