Edenred SEHAM:QSV -0.94%93 ROA % is 4.25% as of Dec. 2025, which is 14% above its 10-year median of 3.73. GuruFocus rates HAM:QSV with a GF Score™ of 93/100 and a GF Value™ of €43.22 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 545 Credit Services companies, Edenred SE ranks better than 73.94% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Edenred SE's annualizedNet Income for the quarter that ended in Dec. 2025 was €572 Mil.
Edenred SE's average Total Assets over the quarter that ended in Dec. 2025 was €13,447 Mil. Therefore, Edenred SE's annualized ROA % for the quarter that ended in Dec. 2025 was 4.25%.
The historical rank and industry rank for Edenred SE's ROA % or its related term are showing as below:
HAM:QSV'
s ROA % Range Over the Past 10 Years
Min: 2.18 Med: 3.73 Max: 4.07
Current: 3.89
During the past 13 years, Edenred SE's highest ROA % was 4.07%. The lowest was 2.18%. And the median was 3.73%.
HAM:QSV's ROA % is ranked better than 73.94% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs HAM:QSV: 3.89
Edenred SE (HAM:QSV) 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.
Edenred SE ROA % Related Terms
Edenred SE ROA % Historical Data
* Premium members only.
The historical data trend for Edenred SE'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, Edenred SE'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.
Edenred SE ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Edenred SE's ROA % distribution charts can be found below:
* The bar in red indicates where Edenred SE'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.
Edenred SE (HAM:QSV) has a ROA % of 4.25% 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 Edenred SE and its competitors. This is 14% above median its historical median of 3.73. Over the past decade, Edenred SE's ROA % has ranged from 2.18 to 4.07. According to the industry distribution chart, Edenred SE ranks #142 out of 545 companies in the Credit Services industry, placing it in the top 26.1%.
Is Edenred SE's ROA % too high?
Edenred SE's current ROA % of 4.25% is 14% above median its 10-year median of 3.73. Over the past 10 years, this metric has ranged from a low of 2.18 to a high of 4.07. The Credit Services industry median ROA % is 1.92. Edenred SE's value of 4.25% is 121.4% above this industry median. Based on the distribution chart, Edenred SE ranks #142 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, Edenred SE has a GF Score™ of 93/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Edenred SE's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Edenred SE ranks #142 out of 545 companies for ROA %. This puts Edenred SE in the upper half of its industry. The industry median ROA % is 1.92. Edenred SE's value of 4.25% is 121.4% above this benchmark. Historically, Edenred SE's own ROA % has ranged from 2.18 to 4.07 over the past decade. While the company's 10-year median is 3.73 vs. the industry median of 1.92, Edenred SE 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 545 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. Edenred SE's current ROA % of 4.25% is 121.4% 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 Edenred SE 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. Edenred SE's current ROA % is 4.25%, which is 14% above median its own 10-year median of 3.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Edenred SE stock overvalued right now?
Based on GuruFocus' analysis, Edenred SE (HAM:QSV) is currently considered Possible Value Trap. The stock's GF Value™ is €43.22, compared to a current price of €22.02 — trading 49.1% below its estimated fair value. The current ROA % is 4.25%, which is 14% above median its 10-year median of 3.73 and 121.4% above the Credit Services industry median of 1.92. Edenred SE's overall GF Score™ is 93/100 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 Edenred SE (HAM:QSV), the current ROA % is 4.25% 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 Edenred SE (HAM:QSV) Overvalued in 2026?
Based on GuruFocus' analysis, Edenred SE stock appears to be undervalued.
The current stock price of €22.02 is trading 49.1% below its estimated GF Value™ of €43.22.
GuruFocus considers Edenred SE to be Possible Value Trap.
Key valuation signals for HAM:QSV:
ROA %: 4.25% (14% above median its 10-year median of 3.73)
GF Value™: €43.22 vs. price of €22.02 (49.1% below fair value)
Industry Position: 121.4% above the Credit Services median (#142 of 545)
No single metric tells the full story. See the HAM:QSV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Edenred is a France-listed prepaid corporate services provider operating in 45 countries. The company was listed in 2010 following a spinoff from hotel group Accor. Edenred's main business, Ticket Restaurant, offers prepaid meal vouchers that employers provide their employees as an additional benefit. The company is also involved in other areas, such as prepaid fuel cards and payment and expense management systems. Edenred is also moving beyond its historical services, adding well-being, gift, EV, toll, and business-to-business accounts payable automation services.
93GF Score
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