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U Consumer FinanceCAI:VALU -2.09%28 ROA % is 6.21% as of Dec. 2025, which is 24% above its 10-year median of 5.01. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 550 Credit Services companies, U Consumer Finance ranks better than 83.82% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. U Consumer Finance's annualizedNet Income for the quarter that ended in Dec. 2025 was E£892 Mil.
U Consumer Finance's average Total Assets over the quarter that ended in Dec. 2025 was E£14,359 Mil. Therefore, U Consumer Finance's annualized ROA % for the quarter that ended in Dec. 2025 was 6.21%.
The historical rank and industry rank for U Consumer Finance's ROA % or its related term are showing as below:
CAI:VALU'
s ROA % Range Over the Past 10 Years
Min: 3.94 Med: 5.01 Max: 6.09
Current: 5.92
During the past 3 years, U Consumer Finance's highest ROA % was 6.09%. The lowest was 3.94%. And the median was 5.01%.
CAI:VALU's ROA % is ranked better than 83.82% of 550
companies
in the Credit Services industry
Industry Median: 2.025
vs CAI:VALU: 5.92
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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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.
U Consumer Finance ROA % Related Terms
U Consumer Finance ROA % Historical Data
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The historical data trend for U Consumer Finance'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 Credit Services subindustry, U Consumer Finance'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.
U Consumer Finance ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's ROA % distribution charts can be found below:
* The bar in red indicates where U Consumer Finance'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
U Consumer Finance (CAI:VALU) has a ROA % of 6.21% 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 U Consumer Finance and its competitors. This is 24% above median its historical median of 5.01. Over the past decade, U Consumer Finance's ROA % has ranged from 3.94 to 6.09. According to the industry distribution chart, U Consumer Finance ranks #89 out of 550 companies in the Credit Services industry, placing it in the top 16.2%.
Is U Consumer Finance's ROA % too high?
U Consumer Finance's current ROA % of 6.21% is 24% above median its 10-year median of 5.01. Over the past 10 years, this metric has ranged from a low of 3.94 to a high of 6.09. The Credit Services industry median ROA % is 2.03. U Consumer Finance's value of 6.21% is 206.7% above this industry median. Based on the distribution chart, U Consumer Finance ranks #89 out of 550 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #89 out of 550 companies for ROA %. This places U Consumer Finance in the top 16% of its industry — outperforming the majority of peers. The industry median ROA % is 2.03. U Consumer Finance's value of 6.21% is 206.7% above this benchmark. Historically, U Consumer Finance's own ROA % has ranged from 3.94 to 6.09 over the past decade. While the company's 10-year median is 5.01 vs. the industry median of 2.03, U Consumer Finance 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 Credit Services company?
The median ROA % among Credit Services companies is 2.03, based on 550 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. U Consumer Finance's current ROA % of 6.21% is 206.7% 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 U Consumer Finance and its competitors. For the Credit Services industry, the median ROA % is 2.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current ROA % is 6.21%, which is 24% above median its own 10-year median of 5.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current ROA % of 6.21%. The current ROA % is 6.21%, which is 24% above median its 10-year median of 5.01 and 206.7% above the Credit Services industry median of 2.03. U Consumer Finance's overall GF Score™ is 28/100 with 6 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 U Consumer Finance (CAI:VALU), the current ROA % is 6.21% 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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