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Quanzhou Huixin Micro-credit CoHKSE:01577 45 ROA % is 8.30% as of Dec. 2025, which is 39% above its 10-year median of 5.96. GuruFocus rates HKSE:01577 with a GF Score™ of 45/100 and a GF Value™ of HK$0.90 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 548 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks better than 89.96% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Quanzhou Huixin Micro-credit Co's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$125.7 Mil.
Quanzhou Huixin Micro-credit Co's average Total Assets over the quarter that ended in Dec. 2025 was HK$1,514.7 Mil. Therefore, Quanzhou Huixin Micro-credit Co's annualized ROA % for the quarter that ended in Dec. 2025 was 8.30%.
Quanzhou Huixin Micro-credit Co (HKSE:01577) 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.
Quanzhou Huixin Micro-credit Co ROA % Related Terms
Quanzhou Huixin Micro-credit Co 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 Credit Services subindustry, Quanzhou Huixin Micro-credit Co'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.
Quanzhou Huixin Micro-credit Co ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's ROA % distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit Co'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.
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a ROA % of 8.30% 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 Quanzhou Huixin Micro-credit Co and its competitors. This is 39% above median its historical median of 5.96. Over the past decade, Quanzhou Huixin Micro-credit Co's ROA % has ranged from 3.19 to 9.71. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #55 out of 548 companies in the Credit Services industry, placing it in the top 10%.
Is Quanzhou Huixin Micro-credit Co's ROA % too high?
Quanzhou Huixin Micro-credit Co's current ROA % of 8.30% is 39% above median its 10-year median of 5.96. Over the past 10 years, this metric has ranged from a low of 3.19 to a high of 9.71. The Credit Services industry median ROA % is 1.94. Quanzhou Huixin Micro-credit Co's value of 8.30% is 327.8% above this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #55 out of 548 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Quanzhou Huixin Micro-credit Co has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quanzhou Huixin Micro-credit Co's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #55 out of 548 companies for ROA %. This places Quanzhou Huixin Micro-credit Co in the top 10% of its industry — outperforming the majority of peers. The industry median ROA % is 1.94. Quanzhou Huixin Micro-credit Co's value of 8.30% is 327.8% above this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own ROA % has ranged from 3.19 to 9.71 over the past decade. While the company's 10-year median is 5.96 vs. the industry median of 1.94, Quanzhou Huixin Micro-credit Co 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 1.94, based on 548 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. Quanzhou Huixin Micro-credit Co's current ROA % of 8.30% is 327.8% 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 Quanzhou Huixin Micro-credit Co and its competitors. For the Credit Services industry, the median ROA % is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quanzhou Huixin Micro-credit Co's current ROA % is 8.30%, which is 39% above median its own 10-year median of 5.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quanzhou Huixin Micro-credit Co stock overvalued right now?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co (HKSE:01577) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.90, compared to a current price of HK$1.03 — trading 14.4% above its estimated fair value. The current ROA % is 8.30%, which is 39% above median its 10-year median of 5.96 and 327.8% above the Credit Services industry median of 1.94. Quanzhou Huixin Micro-credit Co's overall GF Score™ is 45/100 with 1 warning sign 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 Quanzhou Huixin Micro-credit Co (HKSE:01577), the current ROA % is 8.30% 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 Quanzhou Huixin Micro-credit Co (HKSE:01577) Overvalued in 2026?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co stock appears to be overvalued.
The current stock price of HK$1.03 is trading 14.4% above its estimated GF Value™ of HK$0.90.
GuruFocus considers Quanzhou Huixin Micro-credit Co to be Modestly Overvalued.
Key valuation signals for HKSE:01577:
ROA %: 8.30% (39% above median its 10-year median of 5.96)
GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
Industry Position: 327.8% above the Credit Services median (#55 of 548)
No single metric tells the full story. See the HKSE:01577 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quanzhou Huixin Micro-credit Co Ltd provides local entrepreneurs, SMEs and microenterprises with practical and flexible short-term financing solutions to support their continued development and address their ongoing liquidity needs. All of the group's revenue was generated from the micro-credit business in Quanzhou, Fujian Province in the PRC.
45GF Score
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