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China Huirong Financial HoldingsHKSE:01290 53 ROA % is 1.20% as of Dec. 2025, which is 21% below its 10-year median of 1.52. GuruFocus rates HKSE:01290 with a GF Score™ of 53/100 and a GF Value™ of HK$1.04 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 540 Diversified Financial Services companies, China Huirong Financial Holdings ranks better than 62.96% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. China Huirong Financial Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$43.8 Mil.
China Huirong Financial Holdings's average Total Assets over the quarter that ended in Dec. 2025 was HK$3,661.8 Mil. Therefore, China Huirong Financial Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 1.20%.
HKSE:01290'
s ROA % Range Over the Past 10 Years
Min: 0.08 Med: 1.52 Max: 3.3
Current: 1.56
During the past 13 years, China Huirong Financial Holdings's highest ROA % was 3.30%. The lowest was 0.08%. And the median was 1.52%.
HKSE:01290's ROA % is ranked better than 62.96% of 540
companies
in the Diversified Financial Services industry
Industry Median: 0.85
vs HKSE:01290: 1.56
China Huirong Financial Holdings (HKSE:01290) 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.
China Huirong Financial Holdings ROA % Related Terms
China Huirong Financial Holdings ROA % Historical 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.
For the Financial Conglomerates subindustry, China Huirong Financial 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.
China Huirong Financial Holdings ROA % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, China Huirong Financial Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where China Huirong Financial 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.
China Huirong Financial Holdings (HKSE:01290) has a ROA % of 1.20% 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 China Huirong Financial Holdings and its competitors. This is 21% below median its historical median of 1.52. Over the past decade, China Huirong Financial Holdings' ROA % has ranged from 0.08 to 3.30. According to the industry distribution chart, China Huirong Financial Holdings ranks #200 out of 540 companies in the Diversified Financial Services industry, placing it in the top 37%.
Is China Huirong Financial Holdings' ROA % too high?
China Huirong Financial Holdings' current ROA % of 1.20% is 21% below median its 10-year median of 1.52. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 3.30. The Diversified Financial Services industry median ROA % is 0.85. China Huirong Financial Holdings' value of 1.20% is 41.2% above this industry median. Based on the distribution chart, China Huirong Financial Holdings ranks #200 out of 540 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, China Huirong Financial Holdings has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Huirong Financial Holdings' ROA % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, China Huirong Financial Holdings ranks #200 out of 540 companies for ROA %. This puts China Huirong Financial Holdings in the upper half of its industry. The industry median ROA % is 0.85. China Huirong Financial Holdings' value of 1.20% is 41.2% above this benchmark. Historically, China Huirong Financial Holdings' own ROA % has ranged from 0.08 to 3.30 over the past decade. While the company's 10-year median is 1.52 vs. the industry median of 0.85, China Huirong Financial Holdings 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 Diversified Financial Services company?
The median ROA % among Diversified Financial Services companies is 0.85, based on 540 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. China Huirong Financial Holdings's current ROA % of 1.20% is 41.2% 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 China Huirong Financial Holdings and its competitors. For the Diversified Financial Services industry, the median ROA % is 0.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Huirong Financial Holdings's current ROA % is 1.20%, which is 21% below median its own 10-year median of 1.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Huirong Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, China Huirong Financial Holdings (HKSE:01290) is currently considered Significantly Undervalued. The stock's GF Value™ is HK$1.04, compared to a current price of HK$0.52 — trading 50% below its estimated fair value. The current ROA % is 1.20%, which is 21% below median its 10-year median of 1.52 and 41.2% above the Diversified Financial Services industry median of 0.85. China Huirong Financial Holdings' overall GF Score™ is 53/100 with 2 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 China Huirong Financial Holdings (HKSE:01290), the current ROA % is 1.20% 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 China Huirong Financial Holdings (HKSE:01290) Overvalued in 2026?
Based on GuruFocus' analysis, China Huirong Financial Holdings stock appears to be undervalued.
The current stock price of HK$0.52 is trading 50% below its estimated GF Value™ of HK$1.04.
GuruFocus considers China Huirong Financial Holdings to be Significantly Undervalued.
Key valuation signals for HKSE:01290:
ROA %: 1.20% (21% below median its 10-year median of 1.52)
GF Value™: HK$1.04 vs. price of HK$0.52 (50% below fair value)
Industry Position: 41.2% above the Diversified Financial Services median (#200 of 540)
No single metric tells the full story. See the HKSE:01290 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Huirong Financial Holdings Ltd is an investment holding company. Its business divisions are the Inclusive finance business and Ecology finance business division. The Inclusive finance business division refers to the provision of lending services in the PRC. From the product perspective, the inclusive finance business division is principally engaged in lending services through granting secured loans and unsecured loans to customers. The ecology finance business division which is the key revenue driver, mainly dedicates services to supply chain, loan facilitation technology, factoring, insurance agency, and equity investment business.
53GF Score
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