Eleving GroupFRA:OT8 -1.54%15 ROA % is 3.23% as of Mar. 2026, which is 28% below its 10-year median of 4.47. GuruFocus rates FRA:OT8 with a GF Score™ of 15/100. The stock has 3 warning signs investors should review. Among 546 Credit Services companies, Eleving Group ranks better than 76.74% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Eleving Group's annualizedNet Income for the quarter that ended in Mar. 2026 was €19.2 Mil.
Eleving Group's average Total Assets over the quarter that ended in Mar. 2026 was €593.9 Mil. Therefore, Eleving Group's annualized ROA % for the quarter that ended in Mar. 2026 was 3.23%.
The historical rank and industry rank for Eleving Group's ROA % or its related term are showing as below:
FRA:OT8'
s ROA % Range Over the Past 10 Years
Min: 0.65 Med: 4.47 Max: 5.24
Current: 4.38
During the past 5 years, Eleving Group's highest ROA % was 5.24%. The lowest was 0.65%. And the median was 4.47%.
FRA:OT8's ROA % is ranked better than 76.74% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs FRA:OT8: 4.38
Eleving Group (FRA:OT8) 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 four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
Eleving Group ROA % Related Terms
Eleving Group ROA % Historical Data
* Premium members only.
The historical data trend for Eleving Group'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 Credit Services subindustry, Eleving 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.
Eleving Group ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eleving Group's ROA % distribution charts can be found below:
* The bar in red indicates where Eleving 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 four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Eleving Group (FRA:OT8) has a ROA % of 3.23% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Eleving Group and its competitors. This is 28% below median its historical median of 4.47. Over the past decade, Eleving Group's ROA % has ranged from 0.65 to 5.24. According to the industry distribution chart, Eleving Group ranks #127 out of 546 companies in the Credit Services industry, placing it in the top 23.3%.
Is Eleving Group's ROA % too high?
Eleving Group's current ROA % of 3.23% is 28% below median its 10-year median of 4.47. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 5.24. The Credit Services industry median ROA % is 1.92. Eleving Group's value of 3.23% is 68.7% above this industry median. Based on the distribution chart, Eleving Group ranks #127 out of 546 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Eleving Group has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Eleving Group's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Eleving Group ranks #127 out of 546 companies for ROA %. This places Eleving Group in the top 23% of its industry — outperforming the majority of peers. The industry median ROA % is 1.92. Eleving Group's value of 3.23% is 68.7% above this benchmark. Historically, Eleving Group's own ROA % has ranged from 0.65 to 5.24 over the past decade. While the company's 10-year median is 4.47 vs. the industry median of 1.92, Eleving Group 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 Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 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. Eleving Group's current ROA % of 3.23% is 68.7% 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 Eleving Group and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eleving Group's current ROA % is 3.23%, which is 28% below median its own 10-year median of 4.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eleving Group stock overvalued right now?
Eleving Group (FRA:OT8) has a current ROA % of 3.23%. The current ROA % is 3.23%, which is 28% below median its 10-year median of 4.47 and 68.7% above the Credit Services industry median of 1.92. Eleving Group's overall GF Score™ is 15/100 with 3 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 Eleving Group (FRA:OT8), the current ROA % is 3.23% as of Mar. 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.
Eleving Group SA is a fintech company providing vehicle, device, and consumer lending solutions across both emerging and developed markets. The Group operates two core business lines: vehicle & device finance, offering car and motorcycle loans, car rent-to-own solutions, and smartphone financing, and consumer finance, which includes single-payment, instalment, and long-term unsecured loans. It has presence in around 17 markets across three continents, the Group focuses on expanding access to financial services, supporting financial inclusion, and promoting upward social mobility in underserved communities world-wide.
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