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United Bankers OyjFRA:DX0 73 ROA % is 11.15% as of Jun. 2026, which is 9% below its 10-year median of 12.32. GuruFocus rates FRA:DX0 with a GF Score™ of 73/100 and a GF Value™ of €16.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,631 Asset Management companies, United Bankers Oyj ranks better than 74.56% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. United Bankers Oyj's annualizedNet Income for the quarter that ended in Jun. 2026 was €11.76 Mil.
United Bankers Oyj's average Total Assets over the quarter that ended in Jun. 2026 was €105.55 Mil. Therefore, United Bankers Oyj's annualized ROA % for the quarter that ended in Jun. 2026 was 11.15%.
The historical rank and industry rank for United Bankers Oyj's ROA % or its related term are showing as below:
FRA:DX0'
s ROA % Range Over the Past 10 Years
Min: 1.1 Med: 12.32 Max: 21.92
Current: 11.75
During the past 13 years, United Bankers Oyj's highest ROA % was 21.92%. The lowest was 1.10%. And the median was 12.32%.
FRA:DX0's ROA % is ranked better than 74.56% of 1631
companies
in the Asset Management industry
Industry Median: 4.5
vs FRA:DX0: 11.75
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 (Jun. 2026) net income data. The Revenue data used here is two times the semi-annual (Jun. 2026) 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.
United Bankers Oyj ROA % Related Terms
United Bankers Oyj ROA % Historical Data
* Premium members only.
The historical data trend for United Bankers Oyj'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 Asset Management subindustry, United Bankers Oyj'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.
United Bankers Oyj ROA % vs Asset Management Industry
For the Asset Management industry and Financial Services sector, United Bankers Oyj's ROA % distribution charts can be found below:
* The bar in red indicates where United Bankers Oyj'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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
United Bankers Oyj (FRA:DX0) has a ROA % of 11.15% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on United Bankers Oyj and its competitors. This is near median its historical median of 12.32. Over the past decade, United Bankers Oyj's ROA % has ranged from 1.10 to 21.92. According to the industry distribution chart, United Bankers Oyj ranks #415 out of 1631 companies in the Asset Management industry, placing it in the top 25.4%.
Is United Bankers Oyj's ROA % too high?
United Bankers Oyj's current ROA % of 11.15% is near median its 10-year median of 12.32. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 21.92. The Asset Management industry median ROA % is 4.50. United Bankers Oyj's value of 11.15% is 147.8% above this industry median. Based on the distribution chart, United Bankers Oyj ranks #415 out of 1631 companies in the Asset Management industry, which is above the industry midpoint. Overall, United Bankers Oyj has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bankers Oyj's ROA % compare to BLK and BX?
According to the Asset Management industry distribution chart, United Bankers Oyj ranks #415 out of 1631 companies for ROA %. This puts United Bankers Oyj in the upper half of its industry. The industry median ROA % is 4.50. United Bankers Oyj's value of 11.15% is 147.8% above this benchmark. Historically, United Bankers Oyj's own ROA % has ranged from 1.10 to 21.92 over the past decade. While the company's 10-year median is 12.32 vs. the industry median of 4.50, United Bankers Oyj 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 an Asset Management company?
The median ROA % among Asset Management companies is 4.50, based on 1,631 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. United Bankers Oyj's current ROA % of 11.15% is 147.8% 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 United Bankers Oyj and its competitors. For the Asset Management industry, the median ROA % is 4.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankers Oyj's current ROA % is 11.15%, which is near median its own 10-year median of 12.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankers Oyj stock overvalued right now?
Based on GuruFocus' analysis, United Bankers Oyj (FRA:DX0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.94, compared to a current price of €22.60 — trading 33.4% above its estimated fair value. The current ROA % is 11.15%, which is near median its 10-year median of 12.32 and 147.8% above the Asset Management industry median of 4.50. United Bankers Oyj's overall GF Score™ is 73/100 with 7 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 United Bankers Oyj (FRA:DX0), the current ROA % is 11.15% as of Jun. 2026. 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 United Bankers Oyj (FRA:DX0) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankers Oyj stock appears to be overvalued.
The current stock price of €22.60 is trading 33.4% above its estimated GF Value™ of €16.94.
GuruFocus considers United Bankers Oyj to be Modestly Overvalued.
Key valuation signals for FRA:DX0:
ROA %: 11.15% (near median its 10-year median of 12.32)
GF Value™: €16.94 vs. price of €22.60 (33.4% above fair value)
Industry Position: 147.8% above the Asset Management median (#415 of 1631)
No single metric tells the full story. See the FRA:DX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankers Oyj provides investment products and services. The company has two business areas, wealth management and capital markets services. In wealth management, the Group specializes in real asset investments including forest real estate, and infrastructure funds. The majority of the income from operations is generated by the wealth management segment, whose customers include individuals, companies, and institutions.
73GF Score
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