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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hightech Payment Systems's annualizedNet Income for the quarter that ended in Dec. 2025 was MAD306 Mil.
Hightech Payment Systems's average Total Assets over the quarter that ended in Dec. 2025 was MAD2,156 Mil. Therefore, Hightech Payment Systems's annualized ROA % for the quarter that ended in Dec. 2025 was 14.19%.
The historical rank and industry rank for Hightech Payment Systems's ROA % or its related term are showing as below:
CAS:HPS'
s ROA % Range Over the Past 10 Years
Min: 3.93 Med: 7.89 Max: 9.93
Current: 4.86
During the past 13 years, Hightech Payment Systems's highest ROA % was 9.93%. The lowest was 3.93%. And the median was 7.89%.
CAS:HPS's ROA % is ranked better than 63.07% of 2895
companies
in the Software industry
Industry Median: 1.74
vs CAS:HPS: 4.86
Hightech Payment Systems (CAS:HPS) 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.
* 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 Software - Infrastructure subindustry, Hightech Payment Systems'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.
Hightech Payment Systems ROA % vs Software Industry
For the Software industry and Technology sector, Hightech Payment Systems's ROA % distribution charts can be found below:
* The bar in red indicates where Hightech Payment Systems'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.
Hightech Payment Systems (CAS:HPS) has a ROA % of 14.19% 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 Hightech Payment Systems and its competitors. This is 80% above median its historical median of 7.89. Over the past decade, Hightech Payment Systems' ROA % has ranged from 3.93 to 9.93. According to the industry distribution chart, Hightech Payment Systems ranks #1069 out of 2895 companies in the Software industry, placing it in the top 36.9%.
Is Hightech Payment Systems' ROA % too high?
Hightech Payment Systems' current ROA % of 14.19% is 80% above median its 10-year median of 7.89. Over the past 10 years, this metric has ranged from a low of 3.93 to a high of 9.93. The Software industry median ROA % is 1.74. Hightech Payment Systems' value of 14.19% is 715.5% above this industry median. Based on the distribution chart, Hightech Payment Systems ranks #1069 out of 2895 companies in the Software industry, which is above the industry midpoint. Overall, Hightech Payment Systems has a GF Score™ of 100/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hightech Payment Systems' ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Hightech Payment Systems ranks #1069 out of 2895 companies for ROA %. This puts Hightech Payment Systems in the upper half of its industry. The industry median ROA % is 1.74. Hightech Payment Systems' value of 14.19% is 715.5% above this benchmark. Historically, Hightech Payment Systems' own ROA % has ranged from 3.93 to 9.93 over the past decade. While the company's 10-year median is 7.89 vs. the industry median of 1.74, Hightech Payment Systems 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 Software company?
The median ROA % among Software companies is 1.74, based on 2,895 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. Hightech Payment Systems's current ROA % of 14.19% is 715.5% 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 Hightech Payment Systems and its competitors. For the Software industry, the median ROA % is 1.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hightech Payment Systems's current ROA % is 14.19%, which is 80% above median its own 10-year median of 7.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hightech Payment Systems stock overvalued right now?
Based on GuruFocus' analysis, Hightech Payment Systems (CAS:HPS) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD824.83, compared to a current price of MAD645.00 — trading 21.8% below its estimated fair value. The current ROA % is 14.19%, which is 80% above median its 10-year median of 7.89 and 715.5% above the Software industry median of 1.74. Hightech Payment Systems' overall GF Score™ is 100/100 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 Hightech Payment Systems (CAS:HPS), the current ROA % is 14.19% 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 Hightech Payment Systems (CAS:HPS) Overvalued in 2026?
Based on GuruFocus' analysis, Hightech Payment Systems stock appears to be undervalued.
The current stock price of MAD645.00 is trading 21.8% below its estimated GF Value™ of MAD824.83.
GuruFocus considers Hightech Payment Systems to be Modestly Undervalued.
Key valuation signals for CAS:HPS:
ROA %: 14.19% (80% above median its 10-year median of 7.89)
GF Value™: MAD824.83 vs. price of MAD645.00 (21.8% below fair value)
Industry Position: 715.5% above the Software median (#1069 of 2895)
No single metric tells the full story. See the CAS:HPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hightech Payment Systems SA is the group that provides solutions and services involving electronic payment. The company provides its clients with technology solutions that transcend the entire payments value chain, enabling them to innovate rapidly and bring new products to market with ease and efficiency using HPS' PowerCARD software. The PowerCARD suite is fully integrated with all international payment networks, and supports all back-office payments functions. The company's software and services are sold covering many geographical areas such as Europe, Americas, Africa and the Middle East and Asia. The group's majority revenue is generated from Africa.
100GF Score
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