ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Dah Sing Financial Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was $167 Mil.
Dah Sing Financial Holdings's average Total Assets over the quarter that ended in Dec. 2025 was $34,691 Mil. Therefore, Dah Sing Financial Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 0.48%.
The historical rank and industry rank for Dah Sing Financial Holdings's ROA % or its related term are showing as below:
DAHSF'
s ROA % Range Over the Past 10 Years
Min: 0.46 Med: 0.66 Max: 2.41
Current: 0.76
During the past 13 years, Dah Sing Financial Holdings's highest ROA % was 2.41%. The lowest was 0.46%. And the median was 0.66%.
DAHSF's ROA % is ranked worse than 64.33% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs DAHSF: 0.76
Dah Sing Financial Holdings (OTCPK:DAHSF) 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.
Dah Sing Financial Holdings ROA % Competitor Comparison
For the Banks - Regional subindustry, Dah Sing Financial 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.
Dah Sing Financial Holdings ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Dah Sing Financial Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Dah Sing Financial 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.
Dah Sing Financial Holdings (DAHSF) has a ROA % of 0.48% 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 Dah Sing Financial Holdings and its competitors. This is 27% below median its historical median of 0.66. Over the past decade, Dah Sing Financial Holdings' ROA % has ranged from 0.46 to 2.41. According to the industry distribution chart, Dah Sing Financial Holdings ranks #983 out of 1528 companies in the Banks industry, placing it in the top 64.3%.
Is Dah Sing Financial Holdings' ROA % too high?
Dah Sing Financial Holdings' current ROA % of 0.48% is 27% below median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 2.41. The Banks industry median ROA % is 0.98. Dah Sing Financial Holdings' value of 0.48% is 51% below this industry median. Based on the distribution chart, Dah Sing Financial Holdings ranks #983 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Dah Sing Financial Holdings has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Dah Sing Financial Holdings' ROA % compare to competitors?
According to the Banks industry distribution chart, Dah Sing Financial Holdings ranks #983 out of 1528 companies for ROA %. This places Dah Sing Financial Holdings in the lower half of its industry. The industry median ROA % is 0.98. Dah Sing Financial Holdings' value of 0.48% is 51% below this benchmark. Historically, Dah Sing Financial Holdings' own ROA % has ranged from 0.46 to 2.41 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 0.98, Dah Sing Financial Holdings 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 1,528 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. Dah Sing Financial Holdings's current ROA % of 0.48% is 51% 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 Dah Sing Financial 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. Dah Sing Financial Holdings's current ROA % is 0.48%, which is 27% below median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dah Sing Financial Holdings stock overvalued right now?
Dah Sing Financial Holdings (DAHSF) has a current ROA % of 0.48%. The stock's GF Value™ is $2.56, compared to a current price of $3.34 — trading 30.5% above its estimated fair value. The current ROA % is 0.48%, which is 27% below median its 10-year median of 0.66 and 51% below the Banks industry median of 0.98. Dah Sing Financial Holdings' overall GF Score™ is 80/100 with 1 warning sign 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 Dah Sing Financial Holdings (DAHSF), the current ROA % is 0.48% 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 Dah Sing Financial Holdings (DAHSF) Overvalued in 2026?
Based on GuruFocus' analysis, Dah Sing Financial Holdings stock appears to be overvalued.
The current stock price of $3.34 is trading 30.5% above its estimated GF Value™ of $2.56.
Key valuation signals for DAHSF:
ROA %: 0.48% (27% below median its 10-year median of 0.66)
GF Value™: $2.56 vs. price of $3.34 (30.5% above fair value)
Industry Position: 51% below the Banks median (#983 of 1528)
No single metric tells the full story. See the DAHSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dah Sing Financial Holdings Ltd is an investment holding company. The group provides banking, insurance, financial and other related services in Hong Kong, Macau, and the People's Republic of China. It operates in six segments: Personal Banking, Corporate Banking, Treasury and Global Markets activities, Chinese Mainland and Macau Banking, Insurance and Investment Operations, and Others. The Personal Banking segment, which derives the maximum profit, deals in deposits from individual customers, the extension of residential mortgage lending, personal loans, insurance, and investment services.
80GF Score
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