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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. JF SmartInvest Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was €14.1 Mil.
JF SmartInvest Holdings's average Total Assets over the quarter that ended in Dec. 2025 was €544.9 Mil. Therefore, JF SmartInvest Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 2.58%.
The historical rank and industry rank for JF SmartInvest Holdings's ROA % or its related term are showing as below:
FRA:D6U'
s ROA % Range Over the Past 10 Years
Min: -24.1 Med: 20.73 Max: 34.62
Current: 1.77
During the past 7 years, JF SmartInvest Holdings's highest ROA % was 34.62%. The lowest was -24.10%. And the median was 20.73%.
FRA:D6U's ROA % is ranked worse than 58.11% of 265
companies
in the Education industry
Industry Median: 3.97
vs FRA:D6U: 1.77
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 Education & Training Services subindustry, JF SmartInvest 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.
JF SmartInvest Holdings ROA % vs Education Industry
For the Education industry and Consumer Defensive sector, JF SmartInvest Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where JF SmartInvest 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.
JF SmartInvest Holdings (FRA:D6U) has a ROA % of 2.58% 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 JF SmartInvest Holdings and its competitors. This is 88% below median its historical median of 20.73. According to the industry distribution chart, JF SmartInvest Holdings ranks #154 out of 265 companies in the Education industry, placing it in the top 58.1%.
Is JF SmartInvest Holdings' ROA % too high?
JF SmartInvest Holdings' current ROA % of 2.58% is 88% below median its 10-year median of 20.73. The Education industry median ROA % is 3.97. JF SmartInvest Holdings' value of 2.58% is 35% below this industry median. Based on the distribution chart, JF SmartInvest Holdings ranks #154 out of 265 companies in the Education industry, which is below the industry midpoint. Overall, JF SmartInvest Holdings has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does JF SmartInvest Holdings' ROA % compare to EDU and TAL?
According to the Education industry distribution chart, JF SmartInvest Holdings ranks #154 out of 265 companies for ROA %. This places JF SmartInvest Holdings in the lower half of its industry. The industry median ROA % is 3.97. JF SmartInvest Holdings' value of 2.58% is 35% below this benchmark. While the company's 10-year median is 20.73 vs. the industry median of 3.97, JF SmartInvest 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 an Education company?
The median ROA % among Education companies is 3.97, based on 265 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. JF SmartInvest Holdings's current ROA % of 2.58% is 35% 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 JF SmartInvest Holdings and its competitors. For the Education industry, the median ROA % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JF SmartInvest Holdings's current ROA % is 2.58%, which is 88% below median its own 10-year median of 20.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JF SmartInvest Holdings stock overvalued right now?
JF SmartInvest Holdings (FRA:D6U) has a current ROA % of 2.58%. The stock's GF Value™ is €3.21, compared to a current price of €2.96 — trading 7.8% below its estimated fair value. The current ROA % is 2.58%, which is 88% below median its 10-year median of 20.73 and 35% below the Education industry median of 3.97. JF SmartInvest Holdings' overall GF Score™ is 94/100 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 JF SmartInvest Holdings (FRA:D6U), the current ROA % is 2.58% 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 JF SmartInvest Holdings (FRA:D6U) Overvalued in 2026?
Based on GuruFocus' analysis, JF SmartInvest Holdings stock appears to be undervalued.
The current stock price of €2.96 is trading 7.8% below its estimated GF Value™ of €3.21.
Key valuation signals for FRA:D6U:
ROA %: 2.58% (88% below median its 10-year median of 20.73)
GF Value™: €3.21 vs. price of €2.96 (7.8% below fair value)
Industry Position: 35% below the Education median (#154 of 265)
No single metric tells the full story. See the FRA:D6U stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JF SmartInvest Holdings Ltd is a next-generation stock investing assistant that provides equity investment tools, securities investment advisory, investor education, and other services for individual investors with product offerings such as stock quote software, Stock Learning Machine, Stock Navigator Series, Super Investor, and Jiuyao Stocks (small-amount series products). It has developed JF Robo-Advisor, FinSphere Agent, FinSphere Report, and other AI products based on its AI and big data technologies, enabling the company to achieve industry leadership in inventive practice and scenario application.
94GF Score
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