Manx Financial GroupFRA:3IM +1.37%47 ROA % is 0.98% as of Dec. 2025, which is 20% below its 10-year median of 1.22. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.27 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, Manx Financial Group ranks better than 65.34% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Manx Financial Group's annualizedNet Income for the quarter that ended in Dec. 2025 was €6.09 Mil.
Manx Financial Group's average Total Assets over the quarter that ended in Dec. 2025 was €619.26 Mil. Therefore, Manx Financial Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.98%.
The historical rank and industry rank for Manx Financial Group's ROA % or its related term are showing as below:
FRA:3IM'
s ROA % Range Over the Past 10 Years
Min: 0.74 Med: 1.22 Max: 1.66
Current: 1.22
During the past 13 years, Manx Financial Group's highest ROA % was 1.66%. The lowest was 0.74%. And the median was 1.22%.
FRA:3IM's ROA % is ranked better than 65.34% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs FRA:3IM: 1.22
Manx Financial Group (FRA:3IM) 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 Banks - Regional subindustry, Manx Financial 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.
Manx Financial Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where Manx Financial 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.
Manx Financial Group (FRA:3IM) has a ROA % of 0.98% 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 Manx Financial Group and its competitors. This is 20% below median its historical median of 1.22. Over the past decade, Manx Financial Group's ROA % has ranged from 0.74 to 1.66. According to the industry distribution chart, Manx Financial Group ranks #531 out of 1532 companies in the Banks industry, placing it in the top 34.7%.
Is Manx Financial Group's ROA % too high?
Manx Financial Group's current ROA % of 0.98% is 20% below median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 1.66. The Banks industry median ROA % is 0.98. Manx Financial Group's value of 0.98% is 0% at this industry median. Based on the distribution chart, Manx Financial Group ranks #531 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #531 out of 1532 companies for ROA %. This puts Manx Financial Group in the upper half of its industry. The industry median ROA % is 0.98. Manx Financial Group's value of 0.98% is 0% at this benchmark. Historically, Manx Financial Group's own ROA % has ranged from 0.74 to 1.66 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 0.98, Manx Financial Group has consistently been at 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 1,532 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. Manx Financial Group's current ROA % of 0.98% is 0% at 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 Manx Financial 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. Manx Financial Group's current ROA % is 0.98%, which is 20% below median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.27, compared to a current price of €0.30 — trading 9.6% above its estimated fair value. The current ROA % is 0.98%, which is 20% below median its 10-year median of 1.22 and 0% at the Banks industry median of 0.98. Manx Financial Group's overall GF Score™ is 47/100 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 Manx Financial Group (FRA:3IM), the current ROA % is 0.98% 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 9.6% above its estimated GF Value™ of €0.27.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
ROA %: 0.98% (20% below median its 10-year median of 1.22)
GF Value™: €0.27 vs. price of €0.30 (9.6% above fair value)
Industry Position: 0% at the Banks median (#531 of 1532)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score
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